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Helene's blog archive

2021 (3)
Helene Panzarino

Helene Panzarino

Banking-innovation consultant & evangelist at
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How community banks can thrive in a post-pandemic world

21 Jun 2021

After a year of unprecedented disruption, many US community and regional banks have survived the pandemic and found themselves with more customers and fuller deposit accounts, courtesy of stimulus programs and agility in getting those funds distributed. In 2020 San Antonio’s Cullen/Frost, for example, saw a 28% year-on-year increase in new relati...


Banking Strategy, Digital and Transformation

Hyper-personalisation: the key to banking’s past – and its future

28 Apr 2021

One of the most interesting aspects of the digital banking revolution is that in some ways it is actually taking banking back to its origins. The concept that links the original bancos in 13th-century Italian piazzas to the cutting-edge developments in today’s Fintech hubs is hyper-personalisation. Using permissioned real-time data to generate insi...

Disruption in Retail Banking

Small business needs taxis not tankers

02 Mar 2021

Large incumbent banks don’t serve small and medium-sized businesses well. Dress it up in euphemisms like ‘It’s an underserved market’ all you want; the reality is they get the short straw when it comes to banking. This fact will come as no surprise to anyone watching the US cope with Covid in the past year. Getting emergency loan funds out to SMBs...