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I have read quite a lot on Open Banking over the last couple of years, what it means to the industry, the players and more importantly the consumer. The revised Payment Services Directive (PSD2) is re...
There has been a lot of hand wringing over the CME Group’s amendments to Rule 553 (“Average Price System”), and for good reason. It’s no easy task for clearing firms, or their clients, to systematica...
Personal Finance Managers and Mobile Money Management Apps (herewith “PFM”) have been around for over a decade. So far, PFM has focused on budgeting by offering tips to save money on everyday expenses...
I am a member of the Finnish Council of Regulatory Impact. We are an independent body - but in the Prime Minister’s office. Similar organisations have been established also for example in Germany, the...
The Chatbot market has reached an unbelievable state. It is both over-hyped and under-hyped at the same time. There is no doubt that conversation-as-a-service will become the primary means for human...
As our company grows, so does our number of strategic stakeholders. Managing this growing group of executives is a difficult and delicate task because conflicting interests and a lot of big egos are h...
With a new head of trading and markets at the SEC, there is optimism that some of the complex market structure issues – such as make-taker incentives and sky-high market data costs — will be looked at...
In the last few years I have been mentoring multiple early stage fintech companies through accelerator programs as well as directly. Although I should not be I am continually surprised to learn that f...
A New Game Awaits Digital fluency and a thirst for convenience are making the UK’s borrowers more capricious and cost-sensitive than ever. Interest rate rises, and new regulations will add fuel to
Yesterday November 27, the European Commission published the final version of the long awaited PSD2 Regulatory Technical Standards on Secure Communications and Secure Customer Authentication. The SCA...
Independent asset managers shall maintain relationships not only to custodians. Due to disintermediation and distributed ledger technology they will be able to profit from a much broader range of fina...
Following my previous blog – looking at the ubiquity of the multichannel approach to customer service – we now turn our focus to the industry’s next steps: omnichannel and multimodality. If multichann...