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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
What if your digital bank wasn’t just a service, but a living companion? Over six months, we designed a groundbreaking AI-powered financial product that aimed to reshape how customers engage with their money. Here are some key insights and takeaways from that journey. This was not another static banking app. It was envisioned as an AI-powered prod...
21 August 2025 /ai /retail
Fintechs won’t kill incumbent banks. Neither will AI. Banks will kill themselves. Not through disruption. Through self-deception. They’ll collapse because they believe things that aren’t true. The lies sound so familiar we’ve stopped questioning them: We’ve finished our digital transformation; If users struggle, it’s their fault; Digital is just ...
18 August 2025 /retail /markets
Ankita Bhattacharya Product Manager - Commercial Finance at LoanTube
Embedded finance was meant to transform how small businesses access credit, bringing lending to the point of need, whether that’s within an accounting platform, a business management tool, or a digital marketplace. In theory, it should create seamless, contextual experiences where funding is just a click away. In practice, it often falls flat. For...
14 August 2025 /startups /inclusion
In the heart of one of the world’s most fast-paced financial markets, a digital reckoning was brewing. A leading retail bank—serving tens of millions, managing hundreds of billions, and deeply embedded in the region’s economic fabric—found itself at a tipping point. Its once-pioneering market presence was now fragmented, inconsistent and frustratin...
12 August 2025 /retail /devops
In the high-stakes world of finance, one belief has been drilled into boardrooms for decades: the early bird catches the worm. In banking, that’s translated into a dangerous mantra — first to market wins. It’s a seductive idea. Banks' CEOs love the headlines. Product teams love the adrenaline rush. Shareholders love the illusion of being ahead of t...
11 August 2025 /retail /devops
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
AI-impact: 20-30% GDP growth a year or no more than 1-2% over 10 years? Quite a difference between the Silicon Valley evangelists and the pessimistic Daron Acemoglu as descibed in the Economist’s “Eureka all day long”. A very useful article indeed – that naturally has more questions than answers. To try to clear my thoughts I worked through my ow...
07 August 2025 /ai /identity
In a world where people wear their brands like badges of identity—from the phone in their hand to the sneakers on their feet—banking remains curiously invisible. Its digital products are often indistinguishable, stripped of soul, wrapped in sameness. But this week, something rare happened. Because here’s the paradox: while consumer brands chase em...
04 August 2025 /retail /identity
Retired Member
DATA - A KEY DIFFERENTIATOR IN BUSINESS VALUE GENERATION In today’s fiercely competitive market conditions, investment managers are looking at various ways to differentiate themselves from the competition. Having effective Data Strategy is critical to unlock the power of data that the organisation can harness to its competitive advantage, be it to...
30 July 2025 /markets
Darren Carvalho Co-Founder and Co-CEO at MetaWealth
Recent institutional interest in stablecoins has been something of a watershed moment for the crypto industry. Not only has the mainstream adoption of stablecoins signalled a renewed interest in and a broader acceptance of blockchain, but it is the first sign of the convergence of decentralised finance (DeFi) and traditional finance (TradFi). Majo...
30 July 2025 /regulation /retail
Have you ever seen a live black swan? I hadn't until recently. During my recent vacation, every morning and evening on the way to breakfast and dinner, I passed a flock of black swans housed on the hotel grounds. By the second day, they became just part of the scenery — beautiful, yes, but familiar. It made me think. In his book, Nassim Taleb des...
29 July 2025 /ai /predictions
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