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Jayanth Jagadeesh

Banking Avengers - have you met them?

At a family gathering, I asked my 14-year-old niece, who her favorite Avenger was? She paused, and replied, “I like Shuri for the smarts and Natasha for the fighting skills”. I smiled, and told mysel

09 Oct 2019
Banking Strategy, Digital and Transformation
Andrew Stevens

Which? reports branch closures, but banks must maintain a physical element to customer experience

Which? has released a research report showing more than a third of bank branches have closed in the last five years. The consumer group found that 3,303 branches closed between January 2015 and Augus...

08 Oct 2019
Disruption in Retail Banking
Ron Delnevo

UK Post Office Access To Cash - Setting Back Service Standards By Half A Century?

More stories this week in Britain about the potential for Post Offices to replace ATMs as far as the supply of cash to the public is concerned. There is a heavy irony in Post Offices now being touted ...

03 Oct 2019
Financial Inclusion
Sarah Jackson

Will real rates loan searches ever be available to the sub-prime market?

Let’s talk about representative APRs. Those enticing little percentages that influence a consumer’s decision to apply for one loan product over another. Far too often excitement turns to disappointmen...

26 Sep 2019
Nadja Van Der Veer

Taking a chance on TPPs: a road banks cannot afford to follow

Despite all the new and varying financial players in today’s market, banks still hold a vital position in society. Firstly, they play a huge part in ensuring the stability and the integrity of the fin...

20 Sep 2019
Banking Regulations
Paul Shumsky

How to Personalize Digital Experiences in Finance

Customers have come to expect a level of personal service from companies that is the digital version of a 24/7 concierge. Think Netflix, Amazon, and Spotify, all companies that have set the bar for pe...

17 Sep 2019
Fintech innovation and startups
Hamza Khan

Elevating trust with lessons from the past

In 1852, Elisha Otis invented the safety elevator. If the hoisting rope broke, its safety mechanism automatically brought it to a halt – as he demonstrated to dramatic effect at the 1854 world fair. A...

16 Sep 2019
Fintech innovation and startups
Sray Agarwal

Fair AI: How to Detect and Remove Bias from Financial Services AI Models

Artificial intelligence (AI) and machine learning (ML) promise a smarter, more automated future for everyone. But the algorithms that underpin these technologies are at risk of bias, a substantial thr...

11 Sep 2019
Artificial Intelligence and Financial Services
Bo Harald

e-id - central part of banking services - huge growth in Finland

The banking sector is doing in practical terms all the strong e-ID transactions needed in Finland. There are some 3 600 organizations and all of the public sector using this services (dating back to t...

11 Sep 2019
Digital Banking Trends
Bo Harald

Demise of cash speeding up in Finland

A population of 5,5m (and some tourists) produced the following ATM volumes: Million times/billion €s: 2014: 145,1 million times/14,4billion € 2015: 137,1m/13,9bn 2016: 124,3m/13,0bn 2017: 12,1bn€ 201...

11 Sep 2019
Digital Banking Trends
Freddy Kelly

Open Banking Transaction Categorisation Mythbusting

This is the first part of a two-part series covering all things categorisation. Part one will cover the what, why and some of the how with part two going deeper on the technical nitty-gritty of how w

29 Aug 2019
Open Banking
Joris Lochy

Will the cumbersome administrative tasks for your financials finally be a thing of the past?

PFM, BFM, Financial Butler, Financial Cockpit, Account Aggregator…​ - Will the cumbersome administrative tasks on your financials finally be taken over by your financial institution? 1. Introducti

28 Aug 2019
Personal Finance