Matthew Key

Matthew Key

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Digital Banking Trends

2020 predictions for retail banking

16 Jan 2020

The retail banking industry has undergone significant changes over the past few years, driven by technology advances and regulatory evolution, including the UK Open Banking rules as well as its European sibling, PSD2. These forces will continue to be significant in 2020 as retail banks ponder their future. Here are my predictions of what will matt...


AI and the future of banking

30 Jul 2019

With high-profile advances in the adoption of artificial intelligence (AI), from Amazon’s Alexa to Google’s self-driving cars, there is a growing view that machines will start to perform more and more day-to-day jobs, potentially threatening the livelihoods of millions. While we can’t predict with any certainty what will happen in the future, in o...

Digital Banking Trends

What to expect from retail banking in 2019

17 Dec 2018

As the new year approaches, the time has come to reflect on the developments that shaped the retail banking landscape in 2018 and look ahead to the next twelve months. A year ago, I predicted that in 2018 migration to the cloud would rapidly accelerate, DLT applications would come to fruition, open banking would improve the relationship between ba...

Fintech innovation and startups

Learning from start-ups: the good and the not so good

17 Jul 2018

Innovation has become the new buzzword in the world of financial services. Today, the quest for innovation has become increasingly important as adopting a culture of innovation is often identified with a trajectory of business growth, while failure to do so could lead to an organisation lagging behind. But how do long established companies ensure ...