17 November 2018

Disruption in Retail Banking

A Finextra Community Group

61Posts 408,862Views 38Comments

Latest blog posts

Arunachalam NMindtree - Bangalore

What is the Future of Bank Branches?

15 November 2018  |  2709 views  |  0 comments | recommendations Recommends 0

There are many Bank branches (Retail Banks) operating across India. Do we really need so many branches of the bank to tap customer base? I personally feel going forward there will be following activities happening in the retail-banking arena • Consolidation of Banks will lead to better Service, reduction of operation cost by closing down branches...

TagsRetail bankingInnovation
Mohan RajGenpact Ltd - Bangalore

AI in Customer Experience Transformation

12 November 2018  |  3185 views  |  1 comments | recommendations Recommends 0

Customer experience transformation has been around for more than a decade. It was widely popular in retail industry which was quick to recognize Customer experience as a competitive differentiator. The concept gained traction across consumer facing domains notably consumer banking, E-commerce, Hi-Tech. Companies have spent millions of dollars in t...

TagsArtificial Intelligence
More blog posts
Arunachalam N
Arunachalam NMindtree - Bangalore

Understanding Bank Account Number Portability - PSD2

08 November 2018  |  5513 views  |  5 comments | recommendations Recommends 0

Account Number portability (ANP) is set to be a game-changing year for retail banking in EU. As the PSD2 (Revised Directive on Payment Services Directive) becomes implemented, Customer are provided wi...

TagsRetail bankingInnovation
Bharadwaj S
Bharadwaj SInfosys Finacle - Bangalore

The day I stopped carrying my cards

29 October 2018  |  1165 views  |  2 comments | recommendations Recommends 0

Digital overdrive is driving the ubiquitous plastic money out of users’ wallets. The change is not only rampant in developed economies but also in fast growing digital economies such as India and Chin...

TagsPaymentsOpen APIs
Olivier Thirion De Briel
Olivier Thirion De BrielHID Global - Suresnes

How AI and Machine Learning are Changing MFA?

22 October 2018  |  1645 views  |  0 comments | recommendations Recommends 0

The multi-factor authentication market is experiencing new dynamics. For the last 15 years, strong authentication was not a top of mind concern for organizations and was mainly based on hardware token...

TagsArtificial IntelligenceSecurity
Anuj Kumar
Anuj KumarSAP UK - London

A data gateway to insights: Current accounts and the case for ML

03 October 2018  |  4238 views  |  0 comments | recommendations Recommends 0

Once a mainstay of the banking industry, current accounts are increasingly perceived as a utility product. Despite their maturity, they remain the second most complained about banking products in the...

TagsRetail bankingInnovation
Ian Matthews
Ian MatthewsNGDATA - London

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

20 September 2018  |  5131 views  |  0 comments | recommendations Recommends 0

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...

TagsRetail bankingInnovation
Jeremy Thomson-Cook
Jeremy Thomson-CookWorldFirst - London

How PSD2 and Open Banking will shape the future of payments

19 September 2018  |  7765 views  |  0 comments | recommendations Recommends 0

I have spent a lot of time at FinTech conferences over the last few years contemplating the impact of PayTech, RegTech, LendTech – and everything in between – on the future of the financial services i...

TagsRegulation & ComplianceOpen APIs
Bo Harald
Bo HaraldZEF, Transmeri, Demos, Real Time Economy Program, - Helsinki Region

It is only a question of time

15 September 2018  |  4707 views  |  0 comments | recommendations Recommends 0

It is only a question of time before all e-invoices, e-receipts, and payments are effected in Real Time - in standardised structured form. Why does it not happen faster? EU has been driving e-invoicin...

TagsPaymentsInnovation
Sushama Divekar
Sushama DivekarNot Applicable - Mumbai

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

16 April 2018  |  6736 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 ...

TagsRetail bankingInnovation
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Founded by An ex-member
Date 03 Oct 2012
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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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