Profile
Location
Norway
Member since
2016

Christoffer's blog archive

2021 (2) 2017 (1) 2016 (2)
Christoffer Hernæs

Christoffer Hernæs

Advisor and investor at Hernæs Consulting
Message Message me Posts: 6 Comments: 0
Career History Banker and management consultant

Blogs

 

Is bank account portability a viable route for increased competition in the banking industry?

13 Sep 2021

One of the recurring topics for increased competition in the banking sector is account number portability. Just like number portability evened the playing field between consumers and service providers in the telco industry, is it possible to achieve the same in the banking industry? Even though the number of consumers that have reportedly switche

Payments strategies 2015-2020-2030

Seven trends shaping the future of payments

06 Sep 2021

It has been a decade since I first embarked on my journey down the payments rabbit hole. Since then, the predicted disruption of payments as we know it has proven to be more of an evolution than a revolution. With that in mind, even though there have been massive shifts in the payments space, the most exciting times are yet to come. Here are seve

 

If developers are the new rock stars, APIs are their instruments

24 May 2017

Last week we announced that Skandiabanken will be supporting digital currencies by integrating to Coinbase and exposing the account balance held at Coinbase. The real innovation really has little to do with bitcoin and digital currencies, but rather a representation of the way open banking will shape new products development and customer experienc...

 

Banks must become open platforms

12 Oct 2016

It is close to impossible to predict how the future of financial services will look like in ten years. However, some scenarios are starting to stand out as inevitable. One of those is the concept of the bank as an open platform. Gartner predicted this outcome three years ago and stated that by 2016, 75 percent of the top 50 banks in the world will ...