Chris Holmes

Chris Holmes

Senior Vice President at KAE Consulting
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Bio Chris is a Senior Vice President and KAE's FinTech Practice Lead. Chris has managed multiple high profile global projects across the payments, banking, FinTech, AltFi and Telecoms industries. Career History My specialist skills are geared to NPD, market sizing and opportunity assessments, benchmarking, best practice identification and go-to-market initiatives. I sit across the Commercial Payments International advisory boards (Global, U.S., Europe & Asia).


Banking Strategy, Digital and Transformation

The perks and dangers of the democratisation of finance

03 Mar 2021

The GameStop / Robinhood saga has dominated the news over recent weeks and provoked some strong reactions across the industry. For FinTech as a whole, the scandal raised some intriguing questions the industry might have to address in the future. In this post, we explore some of the perks and dangers of the democratisation of finance. The “democr...

Banking Strategy, Digital and Transformation

The state of FinTech: a recap of 2020 and a glimpse into 2021

08 Feb 2021

2020 was a very challenging year for most industries, and FinTech was no exception. However, the FinTech industry seems to have weathered the storm that continues to ravage the globe. Below we discuss three of the main trends KAE identified as defining for the industry. Maintained growth & consolidation Following the outbreak of the pandemic...


Credit scoring: Going alternative

04 May 2020

When assessing applicants’ financial reliability, lenders globally have traditionally relied on a limited range of data sources. In the U.S., Canada, the U.K. and Germany, creditworthiness is determined primarily based on credit scores provided by large credit reporting agencies (e.g. Experian, Equifax, SCHUFA). These scores are typically based on...


FinTech responds to the pandemic: Supporting small businesses

27 Apr 2020

The current COVID-19 outbreak is starting to take its toll on the global economy, with small businesses and self-employed individuals being heavily impacted. Whilst many governments around the world have been reactive in developing and implementing initiatives to help small businesses and the self-employed, these can sadly take some time to come i...