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As is widely known, there was a severe cash crunch in India on the back of the demonetization of high value currency notes a year ago. To ease the pain, the government of India made a big push to prom...
The use of application programming interfaces (APIs) is presenting a world of possibilities to financial institutions. They enable the flow of information between applications and gives institutions t...
The PSD2 countdown clock is well and truly ticking and is now only a couple of months away. It’s not exactly Y2K levels of excitement, but at least no one expects planes to fall from the sky. Natural...
On 23 June 2016, UK has expressed the democratic will of leaving European Union. The outcome of Brexit referendum initiated the process that terminates the deep and special relationship between UK and...
Years ago, at a banking conference in New Orleans, I attended a presentation by Michael Porter, the legendary Harvard Business School professor of strategy. Porter was presenting his theory of competi...
There has been a tremendous amount of debate as to whether innovation labs, hackathons or accelerators are indeed a success or just another way to garner public attention. The FinTech world has been a...
A study by Gartner in 2014 found that 89% of companies compete mainly on the customer experience they provide. Three years later, this trend is increasingly playing out across the banking industry, as...
The Diebold Nixdorf International Management Seminar 2017 in Amsterdam provided insights on the digital strategies that banks are implementing today and what the future holds for retail banking. Shapi...
It’s all about data ecosystems… There’s a long tradition of using time in the bathroom to think and reflect. For the ancient Greek mathematician Archimedes, his understanding of how to measure volume ...
With the evolution of digital banking, there are fewer opportunities for face-to-face interactions with customers. Is it therefore becoming harder to drive customer devotion, attracting and retaining ...
In my last piece, I argued that there were three major factors driving a transformation to a digital office in financial services; the physical rearchitecture of the workspace to accommodate more coll...
It is commonly acknowledged that data are a fundamental engine for growth in the 21st Century economy. It is particularly true in Fintech and Insurtech, where most of the innovative products and servi...