Latest opinions that Joris Lochy has shared on Finextra

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Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

View Joris Lochy's full profile

Joris's opinions

Resilience in Your Wallet: Don't kill Cash

A quiet revolution is unfolding in our wallets. Cash - once king of payments - is steadily being pushed aside. In the UK, it now accounts for just 12% of all transactions. In the Netherlands, only one in five in-store payments are made with physical money. And in Sweden, just 10% of purchases involve cash. The message is clear: digital is dominan

01 September 2025 /payments /inclusion Payments strategies 2015-2020-2030

Old Giants, New Rules: How Incumbents Still Shape Financial Services

For decades, experts have predicted a seismic disruption in the financial services industry. At the start of the Fintech revolution, the consensus was clear: Fintechs would render traditional banks and financial institutions obsolete. Nearly 20 years later, most incumbent players are not only still standing - many are stronger than ever. Instead o

18 August 2025 /regulation /predictions Banking Strategy, Digital and Transformation

The Future of Banking: From Transactions to Trusted Guidance

For decades, banks have fulfilled two core functions: Financial Intermediation: collecting deposits and channeling them into loans and investments. Payment Facilitation: enabling the smooth transfer of money between individuals and institutions. However, these traditional roles are becoming increasingly commoditized. The digitalization of money

04 August 2025 /retail /startups Fintech innovation and startups

Proof Over Policy: The New Era of Data-Driven Compliance

Regulatory pressure remains one of the most critical challenges facing financial institutions today. Regulations differ by country, are often vague or even contradictory, and continue to evolve - whether through the introduction of new rules or updates to existing ones. At the same time, regulators are becoming significantly more demanding, both

28 July 2025 /payments /regulation RegTech

The AI Agent Economy: Redesigning Financial Interactions

AI has already begun transforming financial services - from chatbots and robo-advisors to KYC automation, compliance, AML and credit risk scoring. These innovations are delivering efficiency gains and unlocking millions in cost savings, while driving hyper-personalized, proactive customer engagement. But we’re only just beginning to absorb the im

07 July 2025 /ai /predictions Artificial Intelligence and Financial Services

Shared Dreams, Shared Assets: The Evolution of Co-Ownership

Over the past decade, the financial landscape has been reshaped by a wave of alternative financing models. Leading the charge was crowdfunding— the practice of raising small contributions from many individuals to fund a project or venture. Whether donation-based, debt-based, rewards-based, or equity-based, crowdfunding laid the foundation for oth

16 June 2025 /wealth /inclusion Alternative Investments

Inclusive Banking Begins Now: The Impact of the European Accessibility Act

On June 28, 2025, the European Accessibility Act (EAA) will come into effect across all EU member states. As part of the EU’s broader commitment to the United Nations Convention on the Rights of Persons with Disabilities (CRPD), which it ratified in 2011, the EAA aims to harmonize accessibility requirements across the EU. Its goal is to ensure eq

09 June 2025 /regulation /inclusion Financial Inclusion

The Missing Link in Fraud Prevention: Real-Time Customer Dialogue

Payment fraud remains a hot topic in the financial services industry (cfr. my blog "Payment Fraud Exposed: Top Techniques and How Financial Institutions Respond" - https://bankloch.blogspot.com/2025/01/payment-fraud-exposed-top-techniques.html for more info). Despite significant investments in fraud detection and prevention, fraud cont

02 June 2025 /regulation /crime Exposing Financial Crime

Experimentation Meets Regulation: A/B Testing in the Financial Sector

In today’s tech-driven world, where “move fast and break things” remains a guiding mantra for many startups, financial services operate under very different rules. Banks and financial institutions function in a tightly regulated environment where stability, trust, and compliance are non-negotiable. Here, even minor changes can have significant co

26 May 2025 /devops IT Metrics

The Next Frontier for Financial Services: Life-Cycle Event Platforms

Worldwide, there is a clear trend towards embedding various services into a single digital customer journey. This has led to the emergence of embedded platforms, product and service marketplaces, and even super-apps that combine multiple offerings into one cohesive app experience. While these embedded journeys are increasingly comprehensive, they

19 May 2025 /retail /predictions Digital Bank Transformation