Latest opinions that Heather Lough has shared on Finextra

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Heather Lough

associate

Waracle

Member since

01 Jul 2019

Location

Dundee

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Heather's opinions

Why banks need an API strategy to innovate

It’s open season in banking! Open API season. In today’s blog, we’re talking about all things ‘Application Programming Interfaces’ (more commonly known as APIs) and why they should be on your radar when it comes to your innovation strategy. Let’s start with a quick refresher on what APIs are, for the uninitiated. What are APIs? In its simplest form...

05 May 2021

Payments – Why Visa’s foray into crypto matters

Visa announced on the 29th March 2021, that they had completed their first settlement transaction in USDC (a stable coin linked to the US dollar) on the Ethereum blockchain. Visa’s Chief Product Officer Jack Forestell said “The announcement today marks a major milestone in our ability to address the needs of fintechs managing their businesses in ...

05 May 2021

How crypto held up a mirror to traditional investing

The headline sounds like another fevered diatribe about why decentralised cryptocurrencies are going to the moon on a hype train, but we aren’t going down that rabbit hole. Instead, we are going to explore customer experience, consumer empowerment and flexibility of products & services. Not what you expected, huh? Well, good. Let’s jump into w...

30 March 2021 /crypto

The benefits of hyper-automation for banking

We know, we know. How many words can technologists add hyper too? But don’t roll your eyes just yet. Trust us, if you work in banking, hyper-automation will likely be the latest buzz word you hear in boardrooms (whether physical or remote) in 2021 and beyond. Let’s find out more! The changing face of banking Deloitte suggests that the post-pandemic...

30 March 2021 /people /inclusion

The rise of no code and low code platforms

During the last 12 months change has occurred at a pace unthinkable in the years previous. The ability to react to change in society, the economy and in your sector requires operational flexibility and this has driven growth in the area of software development known as no code and low code. No code does exactly what it says on the tin. A no code p...

05 March 2021

DEFI - Is the future of finance decentralised?

Unless you have been living on a remote sheep farm in the Yorkshire dales with no broadband for the last ten years, the chances are you have heard of Bitcoin. Regardless of your opinion on Bitcoin’s chances of becoming digital gold (or a dutch tulip bubble), it’s underlying technology blockchain (or distributed ledger technology) has given rise to...

22 February 2021

Why digital checkout lending needs regulation

It’s payday. You’ve been eyeing up a new pair of trainers you couldn’t justify after Christmas. However, today it’s time to treat yourself after braving January in lockdown. You head to ASOS and just before shelling out £70 for some new Nikes, you see a much more enticing offer hovering ominously next to the checkout button. ‘Just 4 payments of £1...

15 February 2021

Agile in Financial Services - Can hybrid models work?

In the financial services industry, Agile teams knowingly admit to not actually being able to work within the boundaries and to the principles of the agile manifesto, sometimes describing it as “agile light” or “agile-fall”. These tongue in cheek comments are an observation on the fact that in heavily regulated, risk-managed and bureaucratic envir...

26 January 2021 /devops /predictions