Join the Community

23,130
Expert opinions
43,854
Total members
350
New members (last 30 days)
169
New opinions (last 30 days)
29,028
Total comments

Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Unlock 41 % Faster Revenue Growth: Digital CX as Profit Engine in Banking

Only 3 % of U.S. companies are truly customer-obsessed. They’re racing ahead with 41 % faster revenue growth, 49 % higher profits and 51% better customer retention according to Forrester’s 2024 US Customer Experience Index. And 2024 Bank Customer Experience Survey by FICO shows that 62% of respondents believe customer experience is as important as...

/retail /markets

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The Neuromarketing Playbook to Elevate Digital Products in Banking and Fintech

After years of digital innovation, many financial apps still drown users in data—and miss what really matters: how people feel about their money. At UXDA, we see a radically different path: by applying neuroscience and neuromarketing, we’ve found that tapping into users’ emotional motivations can transform their entire financial journey. It’s not ...

/retail /devops

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The Future of Banking: Digital Revolution Demands a Whole New Model

For years, traditional banks built their reputations on physical branches and face-to-face customer relationships. But today, they face an existential challenge: nimble Fintech startups are emerging on a global scale, offering convenience, efficiency and mobile reach that simply can’t be matched by local branches alone. Like the shift from local n...

/retail /predictions

Aymeric Monod-Gayraud

Aymeric Monod-Gayraud Co-Founder at LoanTube (#Sifted100)

How Digital Credit Marketplaces Became More than a Middleman

There’s a persistent myth in UK financial services that credit brokers are simply comparison engines, digital middlemen shuffling applications from one side of the internet to another with little added value. This outdated perception ignores how technology has fundamentally transformed the role of digital credit marketplaces, delivering additional...

/retail /inclusion

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Stop These 10 Toxic Behaviors to Unlock Innovations in Your Digital Banking

In the high-stakes world of digital products, many banks and financial organizations face a fundamental yet often overlooked challenge: a dysfunctional team dynamic that hinders both innovation and progress. The most common solutions—team-building exercises, new management frameworks or injecting more resources—may seem logical. However, these app...

/people /retail

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Slow Digital Transformation and UX Inaction Are Costing Banks Their Customers

In a world where trust is everything, stability has been banking’s ultimate badge of honor—but is it enough to stay ahead? In today’s fast-moving digital world, clinging to the “tried and true”—outdated white-label frontends and legacy core systems—can be a costly illusion. While these systems may have served well five or ten years ago, maintainin...

/retail /devops

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

ID-wallets and AI-agents together. No-brainer by now?

My posts listed below probably describe the sun rising (a lot of repetition of course). The point being that ID-wallets are needed for security, trust, speedy adoption and getting legally binding deals - that only legal and natural persons can do. Newest on top. https://www.finextra.com/blogposting/28398/it-is-better-to-build-from-the-ground-up-act...

/ai /identity

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

ID-wallets integrating AI-agents - or the other way around?

Both directions are being explored right now, but they lead to slightly different futures. 🧠 1. ID Wallets Integrating AI Agents This means the wallet is the core product, and AI agents are embedded within it to assist the user. 📌 Examples: An AI assistant inside your digital ID wallet helps you decide which credentials to share

/ai /identity

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

ChatGPT beats me - hands down

Certainly improved my "Why AI Agents Should Have Identity Wallets" As AI agents become more integrated into workflows, services, and digital infrastructures, their trustworthiness and interoperability become critical. Identity wallets are the key to ensuring both. AI agents are of limited utility unless they can: Be trusted through veri...

/ai /identity

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Paradigm shifts with mobile devices

Mobey Forum was founded 25 years ago. We had a planning meeting today for the founders' panel discussion at the meeting hosted by UBS in Zurich in June. My input: In year 2000 we were working for a paradigm shift in banking – a joint effort between leading banks, VISA, Nokia, Ericsson, Motorola and many others to take payments and other e-bankin...

/ai /identity

Now Hiring