Latest opinions that Teo Blidarus has shared on Finextra

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Teo Blidarus

CEO and Co-Founder

FintechOS

Member since

01 Nov 2024

Location

London

View Teo Blidarus's full profile

Teo's opinions

How Building Societies Can Digitise Without Losing Their Community Bonds

Building societies occupy an essential place in UK financial services. Member-owned, locally trusted and community-first, they are built on relationships as much as products. Members expect to sit down, talk through decisions and get advice they can believe in. That trust is a strength. The challenge is delivering it alongside the speed and simpli...

13 October 2025 /ai /retail Fintech

Why Prompt-Based App Builders Won’t Disrupt Fintech, But AI-Ready Platforms Will

Tools like Lovable empower anyone with a browser to spin up a working fintech app in a weekend. These prompt-based app generation platforms have dramatically accelerated prototyping and made experimentation cheaper. For startups and product teams, this is excellent news; they can now quickly visualise ideas and avoid expensive software engagements...

14 August 2025 /ai /predictions Fintech

Insurance is the missing link in the UK’s open banking success

The UK’s open banking landscape has built a global reputation for its technical innovation and regulatory prowess. However, despite this leadership, the industry has struggled to maintain the level of innovation that kick-started the global rise of open banking infrastructure. The core challenge lies not in technology but in the commercial and lia...

26 June 2025 /regulation /cloud Fintech

How embedded insurance is shaping the future of risk mitigation

Insurance is shifting from a purely B2C model to integrated, accessible protection. Instead of standalone coverage, insurers need to provide solutions that fit naturally into everyday transactions and customer journeys. Traditional insurance models often fail to reach those who need protection most. As customers seek coverage that adapts to their f...

28 May 2025 /cloud /markets Innovation in Financial Services

The evolution of life-centricity in banking

The banking industry is shifting from a customer-first approach to a life-centric model. This will align financial services with modern life. Financial institutions usually focus on products and risk management over complete customer engagement. Banks have focused on pushing loans, mortgages and credit cards. This is different from addressing broad...

23 April 2025 /ai /retail Fintech

Improving insurance with a shift to life-centricity

Insurance is no longer just about policies and claims. The industry is beginning to focus on customer protection and support. Instead of fixed coverage, insurers are designing solutions that fit into everyday life. Traditional models often fail to meet modern expectations. Customers now want coverage that adapts to their financial, health and lifes...

13 March 2025 /ai /predictions Innovation in Financial Services