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Christian Voigt

Where will the liquidity shift within Europe?

Recently, Phil from the FT highlighted the risk for about 90 dual-listed companies under a no-deal Brexit. But I think the problem is much bigger. In our own analysis, we took it further and found ab...

07 Feb 2019
Chris Holmes

Digital Banks - Business Models

Amongst the multitude of digital-only banks that emerged recently in Europe, the big five (Monzo, N26, TransferWise, Revolut and Starling) have developed a remarkable customer base, with their popular...

07 Feb 2019
Digital Banking Trends
Bob Lyddon

UK’s New Payments Architecture fully live by 2030, indicatively

Pay.uk have issued their February 2019 NPA Programme Industry Newsletter, entitled “Enabling a vibrant UK economy”, NPA standing for New Payments Architecture. The title should have had “…in the 2030s...

07 Feb 2019
Transaction Banking
Roger Vincent

Lending-as-a-Service - Next generation Marketplace Loans

Providing business loans at the real point of need – not just at your bank! What is LaaS? LaaS, sometimes referred to as the “Marketplace Lending” is an emerging trend in the banking and financial ser...

06 Feb 2019
Banking Strategy, Digital and Transformation
Romal Almazo

OTC Crypto Market - at a glance

Over the Counter (OTC) cryptocurrency trading is becoming increasingly popular across the globe. Here’s how it works, who the major players are, and its general pros and cons. OTC market size In April...

06 Feb 2019
Digital Asset Class (DAC)
Andrew Marshman

eCommerce is coming to a store near you

Despite payment vendors continuing to develop strategies for omnichannel, it is still a moving target. But it is essential to get it right. The best vendors offer solutions that allow for a single clo...

05 Feb 2019
Digital Banking Trends
Jesse Champagne

Cheques Cost Money. Prepaid Saves Money. It's Time To Make The Switch.

With an annual decline in cheque use of 7 percent across the nation, Payments Canada predicts that, by 2020, virtually every business and government office in Canada will have switched from cheques to...

04 Feb 2019
Dharmesh Mistry

Conversational Banking Innovators and Challengers

Following on from my post on a conversational interface framework and the road to conversational interfaces, here's a quick overview of some of the innovators that have taken early advantage of conv...

04 Feb 2019
Urvish Macwan

How Technology Is Changing The Real Estate Sector

Industry 4.0 or digital transformation is a cultural change that our society is experiencing through the use of technology. This concept implies a new organization of the means of production that is c...

04 Feb 2019
Dharmesh Mistry

The road to conversational banking

Banking Channels History Customer interaction and channels preferences have experienced significant changes over time and are constantly evolving and expanding across all industries, including banking...

04 Feb 2019
Bob Lyddon

Cheques to be excluded from UK's New Payments Architecture

Once again cheques in the UK are facing their demise, this time as a consequence of their being excluded from the New Payments Architecture project, or "NPA". This time it will be a slow and...

04 Feb 2019
Transaction Banking
Ambrish Parmar

Addressing unmet banking needs

Time to read: 5 minutes to gain a different perspective On a wet Sunday afternoon, I finally got around to ‘sorting out’ the loft. In our home, the loft is a sanctuary for old memories, captured in th...

03 Feb 2019
Banking Strategy, Digital and Transformation