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Banking Strategy, Digital and Transformation

Latest thinking in respect to Banking Strategy, Digital and Transformation. Harnessing our collective wisdom to make banking better. Ambrish Parmar

John Bertrand

John Bertrand MD at Tec 8 Limited

Future of Payment Review UK – six months on

Joe Garner’s Future of Payment review published in 2023 on behalf of the UK Government reflected the complexity of the current instant payment UK environment. The situation has allowed the UK’s early leadership in global instant payments to decline. The UK is starting to fall behind in terms of person-to-person payments made by bank account transf...

/payments /regulation

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

How FedNow is Shaping Payments Since its Groundbreaking Launch

In the six months following its groundbreaking launch in July 2023, FedNow has emerged as a transformative force in real-time payments, marking a significant departure from the traditional Automated Clearing House (ACH) system. This shift signifies a pivotal moment in banking innovation, offering instantaneous transaction processing that aligns wi...

/payments /retail

Eric Bierry

Eric Bierry CEO at Sopra Banking Software

Three European Banking Trends Poised to Transform the U.S.

Europe’s banking landscape today looks significantly different than it did just a few years ago, largely defined by new regulations that have emerged in response to consumers’ shifting financial behaviors. Payment Services Directive 2 (PSD2) and its successor, Payment Services Directive 3 (PSD3), for example, have transformed open banking from a n...

/retail

Irina Latushkina

Irina Latushkina Chief Business Development Officer at AIROME Technologies

Modern banking: technological or human?

12 years ago I was a client of a super safe bank with an absolutely disgusting client service. For example, when I came once to the brunch to get some cash without a plastic card, they gave me 90% and froze the card after all – in accordance with their security policies. It was the last drop, so I moved to a fully digital bank after all. At that

/payments /retail

Gary Singh

Gary Singh President at Zeta Services Inc

Building The Cards of Tomorrow: 10 Must-Have Capabilities

Recent data on US credit card holders tells us that they value flexibility and control more than rewards and fee-based offers. In light of rising interest rates and debt, consumers view credit cards as ‘liquidity management’ tools and expect them to serve various purposes. And with 51% of American credit card holders now revolving their debt, hig...

/payments

Retired Member

Retired Member 

Revolutionizing On-Device AI: World-English Language Models and FinTech Impact

Prelude In the rapidly evolving world of artificial intelligence (AI), there is a constant drive to push the boundaries of what is possible. One area where this is particularly evident is in the development of Virtual Assistants (VAs). These intelligent agents have become ubiquitous in our daily lives, helping us navigate complex tasks and prov

/payments /inclusion

Alex Ford

Alex Ford President, North America at Encompass | RegTech Association | Women in RegTech

The rise of Corporate Digital Identity in banking

The rise of Corporate Digital Identity in banking Corporate Digital Identity (CDI) is revolutionizing the Client Experience in Institutional and Commercial banking. Enabling fast, accurate identity validation and verification of corporate customers, it has been set out to foster a truly customer-centric approach to client onboarding and reviews w...

/wholesale /identity

Mike Wolfel

Mike Wolfel CEO at Savana

Beyond the Core: Rethinking the Path to Modernization for Banks

Why banks today must think outside the core and adopt a new approach to transformation initiatives For much of the last decade, banking technology modernization has been viewed through a single prism that continues to fall short of progress in keeping pace with evolving consumer expectations. Today, the industry has reached point where it can no lo...

/retail /predictions

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Key Challenges Digital Banks are Facing in 2024

With the neobanking market projected to swell to $6.37 billion in 2024, and a user base expected to hit 386.3 million by 2028, the industry's potential is undeniable. Yet, alongside opportunity come substantial challenges, from profitability to cybersecurity. Clash of Titans: Traditional vs. Digital Banks The consumer demand for comprehensive fin...

/payments /retail

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

Navigating the terrain of composable banking with pragmatism and purpose

Few industries rely on technology as much as the financial services industry does. In fact, Gartner estimates that banks spend more than $650 billion on technology each year. Some question whether banks are spending enough, especially when customer expectations are rising, competition is increasing, and the regulatory burden shows no signs of slow...

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