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Joris Lochy

Product Manager at Intix | Co-founder
Capilever
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Joris's opinions

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Joris Lochy

Digital Investment Advice - Should Financial Advisors start looking for another job?

1. Introduction Digital Investment Advice Tools (also called IATs, Robo-Advisors, Automated Investment Advisors, Digital Investment Managers or Digital Wealth Management Tools) play an increasingly important role in the world of investment advice and wealth management. These tools are already in use for decades in wealth management firms (often in...

30 July 2019 /retail Innovation in Financial Services

Joris Lochy

Multi-Factor Authentication and Identity Fraud Detection in the Financial Services Industry

1. Introduction The financial services sector is evolving rapidly: increasing and changing customer expectations, a radical shift towards digital channels (mobile), a tsunami of new regulations (PSD2, GDPR, MiFID2, Dodd-Frank act…​), new technological evolutions (e.g. IoT), increased competition of FinTech players…​ These rapid evolutions force ba...

17 July 2019 /security Digital Identity Management

Joris Lochy

Securing your doors is not enough. Go for a multi-layered security strategy.

Cyber-attacks are all over the news! From ransomware to phishing, farmware, malware and cryptojacking up to DoS attacks. It seems as if the internet has been transformed to the Wild West. Combine this with our ever stronger dependency on the internet for our day-to-day life and it’s clear that cyber-security should be on the top of the agenda of ev...

05 July 2019 /security /regulation Trends in Financial Services

Joris Lochy

Micro Payments - A revolution in the payments landscape

In all industries, there is a trend towards personalization. Clients want a product or service that is personalized to their needs and don’t accept anymore to pay for all kinds of whistles and bells, which they never use. The current pricing model of many digital companies is a (monthly) license/subscription model, where you get a pre-defined packa...

18 June 2019 /payments Payments strategies 2015-2020-2030

Joris Lochy

Are banking systems inherently more complex than 10 years ago?

Banks struggle to evolve to the changing customer needs and expectations and to introduce latest technologies. In a world where cost, time to market and flexibility are key business drivers, it is painful to see that the time and price for implementing changes in banking applications has increased compared to 10 years ago. This lack (and drop) of ...

23 May 2019 Banking Strategy, Digital and Transformation

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Thomas Pintelon
Head of Strategy at Capilever

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