21 August 2018

Disruption in Retail Banking

A Finextra Community Group

52Posts 365,072Views 27Comments

Latest blog posts

Sushama DivekarNot Applicable - Mumbai

Why Banks cannot leverage on self-service options to bring out the intended business impact?

16 April 2018  |  6236 views  |  0 comments | recommendations Recommends 0

All Banks today, irrespective of size or geography have joined the Digitization and self-service bandwagon. Investments and budgets are being carved out, and Digitization seems to be the top priority of every Bank, irrespective of size or geography Pick any annual report, or investor presentation, and in 8 out of 10 such instances, Digitization is ...

TagsRetail bankingInnovation
Jeremy LightA Payments Fintech - London

The Battleground for the Consumer Experience - Opened up by Open Banking

26 March 2018  |  6291 views  |  0 comments | recommendations Recommends 7

On 25 March 2018, a Quantas 787-9 Dreamliner touched down at Heathrow airport to inaugurate a new non-stop service between Australia and London. It cut a full three hours off the normal 20 hour journey. In the commoditised world of air travel, that is a game-changer. Differentiating from the competition has been a challenge for the airline industry...

TagsPaymentsOpen APIs
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Vaibhav Grover
Vaibhav GroverGenpact - Gurgaon

Are Banks only in 'Banking' business?

10 March 2018  |  9938 views  |  0 comments | recommendations Recommends 0

According to US law, any institution offering deposits, subject's withdrawal on demand and marketing loans of a commercial or business nature is Bank. The Oxford dictionary defines a bank as – "a...

TagsRetail bankingInnovation
Karen Wheeler
Karen WheelerAffinion - London

PSD2: A turning point for banks’ business models

24 January 2018  |  11022 views  |  0 comments | recommendations Recommends 0

January 13th was the final deadline for financial services companies to comply to the FCA’s newest European legislation, the Payment Services Directive (PSD2). The run up has been a time of huge intro...

TagsRetail bankingInnovation
Alex Kreger
Alex KregerUX Design Agency - Riga

Banking Disruption by PSD2 Takes User Experience Design to the Forefront

03 January 2018  |  14871 views  |  0 comments | recommendations Recommends 1

Throughout history, banking has remained a closed industry, monopolizing the majority of other financial services. Total digitalization has brought changes to the industry. FinTech gives users the rig...

TagsInnovationOpen APIs
Bob Lyddon
Bob LyddonLyddon Consulting Services - Thames Ditton

Predictions for the Payments industry in 2018 - Open Banking

27 December 2017  |  8731 views  |  0 comments | recommendations Recommends 0

This is the first of our predictions for the Payments industry in 2018, and it is about the UK's Open Banking. This is a very high-profile and government-endorsed project to open up Retail and SME ban...

TagsStart upsOpen APIs
Anne Leslie-Bini
Anne Leslie-BiniBearingPoint - Paris

Betting on 'banking with backbone'

20 December 2017  |  10871 views  |  1 comments | recommendations Recommends 1

In a recent blog post, I floated the idea that it might be time to renew the ‘purpose’ of banking by incentivizing ethical behavior, and I asked whether challenger banks – such as Monzo, Metro, Tande...

TagsRetail bankingStart ups
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program, - Helsinki Region

Finland 100 years

09 December 2017  |  6365 views  |  0 comments | recommendations Recommends 0

Finland celebrates its 100 years of independence this year. Being attacked in 1939 by the Soviet Union was a particularly painful part of the journey. The progress after the war - from an agrarian cou...

TagsRetail bankingInnovation
Andrew Marshman
Andrew MarshmanACI Worldwide (EMEA) Ltd - Watford

The Terrible, Horrible, No Good, Very Bad Omni-Channel Day

07 December 2017  |  11918 views  |  0 comments | recommendations Recommends 0

I have been proclaiming for some time that ‘omni-payment’ is the missing element in many retailers’ full omni-channel customer service offering. What I mean is that many retailers offer their goods an...

TagsCardsPayments
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program, - Helsinki Region

Human-centred approach to data leads the way to a smarter digital age

15 November 2017  |  4243 views  |  0 comments | recommendations Recommends 0

Borrowed most of this into my post (nbr 350 btw) from a paper by Markus Hautala and Antti Kettunen at Tieto. "... Trust in the digital age is broken. Can you remember the last time you got insura...

TagsInnovationOpen APIs
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Founded by An ex-member
Date 03 Oct 2012
Group profile
Growth in internet and mobile technologies has transformed many industries and economies. The market forces and competitive landscape has completely changed in many sectors. iTunes has fundamentally changed music industry, Amazon has driven most big brick and mortar book sellers out of business, Expedia is one of the worlds' biggest travel company….. the list goes on. Internet and mobile technologies are big disrupters for most industries. What started (and tapered a bit!) with the dot com boom of 2000 has become a lethal threat to most...
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