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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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Alex Kreger Founder and CEO at UXDA Financial UX Design
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...
06 May 2025 /retail /predictions
Aymeric Monod-Gayraud Co-Founder at LoanTube (#Sifted100)
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 This outdated perception ignores how technology has fundamentally transformed the role of digital credit marketplaces, delivering additional...
02 May 2025 /retail /inclusion
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...
28 April 2025 /people /retail
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 In today’s fast-moving digital world, clinging to the “tried and true”—outdated white-label frontends and legacy core systems—can be a costly illusion.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...
22 April 2025 /retail /devops
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
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...
22 April 2025 /ai /identity
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
17 April 2025 /ai /identity
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...
15 April 2025 /ai /identity
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...
Imagine the effortless satisfaction of a single-click purchase on Amazon, one tap Uber hail or the perfectly timed recommendations from Netflix—these aren’t happy accidents from generic experience. They have carefully enriched the digital experience, contributing to multi-billion dollar success. Thousands of banks and Fintechs try to tap into the ...
14 April 2025 /retail /devops
Why? Because they are of limited use unless they can be trusted and be interoperable with your own organisational and personal ID-wallet and other AI-agents. Your customers, suppliers, the public sectors and your staff will have ID-wallets and thus be able to interact with them as instructed. It should also be underlined that even if AI agents...
14 April 2025 /ai /identity
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