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A Finextra Member

Is Open Banking forcing fintech banks to evolve again?

Fintech banks are tapping into the huge cultural shifts created by the internet and creating new desires and expectations in the financial services industry. They’re putting huge pressure on the high ...

20 Sep 2018
Open Banking
A Finextra Member

The biggest UK challenger bank yet: what does the Virgin-CYBG merger say about industry’s future?

Last Monday, 96% of CYBG shareholders voted to accept Virgin’s all-share offer to merge. It looks like the happy couple is set to create the biggest challenger bank ever in the UK. But behind the hea...

20 Sep 2018
Disruption in Retail Banking
A Finextra Member

How AI Helps UK Banks Turn the Overdraft Crisis Into An Opportunity

Overdraft fees have long been a source of contention between banks, consumers, and regulators. The $3 billion (£2.4 billion) in annual overdraft fees collected by UK banks represent money taken away f...

20 Sep 2018
Digital Banking Trends
A Finextra Member

Precise and Prudent Credit Score, will it really reduce Retail Non-Performing Assets?

Introduction Non-Performing Asset (NPA) is a trending topic today across the banking industry. It is estimated that Global non-performing assets are around 3.5% - 4.2% of the gross loans and it stood ...

19 Sep 2018
Innovation in Financial Services
Mohan Raj

Back office Optimization using Network Graphs

The travelling salesman problem was mathematically formulated in 1800s by Mathematicians W.R. Hamilton and Thomas Kirkman. Considered as a classic algorithmic problem in the field of operations resear...

19 Sep 2018
Banking Strategy, Digital and Transformation
Olivier Berthier

Digital banking engagement: where are the metrics?

As banks are busy digitalizing every corner of their firms to prepare for the "Fourth Industrial Revolution", many seem to be missing a key complement to their digital adoption strategy whic...

17 Sep 2018
Online Banking
A Finextra Member

The disintegration of customer experience and the promise of omnichannel

Retail banks pride themselves on offering their customers more ways than ever before of transacting with them. With words like 'seamless', they set expectations that where hand offs between teams and ...

12 Sep 2018
A Finextra Member

Regtech enhanced version of Fintech !!!

Regtech” is defined as addressing regulatory requirement through technology to ensure regulatory compliance are met by Bank, Financial Institutions, Insurance companies, Central Banks and other market...

06 Sep 2018
Banking Strategy, Digital and Transformation
A Finextra Member

Banking roadmap to 2030

Within just a few years, banks will be using AI to ensure that you get the most value from your money – and your data – from the cradle to the grave. Banks are already embedding AI and data analytic

14 Aug 2018
A Finextra Member

Why banks should build on their heritage in the Open Banking era

Since PSD2 became effective on 13 January 2018, banks are legally required to open up their customers’ data to third parties – such as challenger banks and digital offerings. The intention is to devel...

13 Aug 2018
Open Banking
A Finextra Member

How do you build a Robust Customer Onboarding and Origination Strategy?

Modern technology and digital behaviors have conspired to create a new generation of banking customers where easy has become the new loyal. Customers get that first impression about your bank during t...

09 Aug 2018
Banking Strategy, Digital and Transformation
A Finextra Member

Remember why we do this?

One of the things I've noticed since working in the payments space are the tribes and the tension/conflict/cooperation/outright hostility …… The first of these, and longest running is the tension betw...

02 Aug 2018
Innovation in Financial Services

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