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Customer experience is everything – in fact, 61% of people are unlikely to return to a brand that does not provide, at minimum, a satisfactory one[1]. And when it comes to experience, personalisatio...
Knowing Elon Musk's large-scale approach, his intention to turn X into a bank could have disruptive consequences for the banking industry. However, the conflict between the existing UX patterns of a s...
As the usage of physical cash diminishes and digital consumption skyrockets, traditional banks are undergoing a seismic shift to adapt to changing customer preferences. Digital transformation is resha...
In a time characterised by changing customer and regulatory expectations, the banking industry faces increasing challenges living up to higher standards – a potent example being the introduction later...
When it comes to investment mistakes and significant events, I am often amazed to see how short people's memories are. One would think that where billions have been wiped off private equity, we as hum...
2023 predictions Happy new year! What a year 2022 has been. It was nice to meet family and see friends last year after the restrictions of the years before. However, 2022 went for you time for a new ...
Many people wish they had a better sense of their financial future. Worried they'll find out too late they're less financially comfortable than they had hoped. What if, instead, they had access to a...
Banks are experiencing a sea change in the competitive landscape from an increasingly fragmented set of nascent fintech competitors and the platoon of “Buy Now, Pay Later” startups and in addition to ...
The massive changes that take place in the banking sector are often portrayed as the intense competition within the industry, namely between progressive institutions and those considered traditional o...
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 come...
"It is a mistake to look too far ahead. Only one link in the chain of destiny can be handled at a time." Winston Churchill. So much time is used for describing the splendid future with Artif...
In the first half of 2020, $2 trillion in cash landed in deposit accounts of U.S. banks and credit unions, according to FDIC data. From corporate borrowing to cash-hoarding and stimulus checks, the un...