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Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

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Joris's opinions

Central banks dominate headlines worldwide as they exercise immense influence over the global econom

Central banks dominate headlines worldwide as they exercise immense influence over the global economy. Using various monetary tools — such as adjusting interest rates, conducting open market operations or employing quantitative easing — central banks aim to steer their economies toward stability and growth. Despite their critical role, many remai

13 January 2025 /payments /regulation Innovation in Financial Services

Redefining Money: Trust, Technology and the Future of Currency

As our world becomes increasingly digital, the concept of "currency" or "money" continues to evolve and grow more complex. Historically, currency was introduced to streamline trade. Rather than exchanging goods directly — a process with many practical challenges — currency served as a widely accepted intermediary. In its early

06 January 2025 /payments /predictions Payments strategies 2015-2020-2030

The Path to Exit of a Fintech - Maximizing Value for Founders and Investors

As a founder launching a Fintech startup, it’s unlikely you’ll build it into a multi-generational family business. Most tech startups rely heavily on external investor funding, where investors, without emotional ties to the company, typically plan for an eventual exit aligned with their investment timeline. This reliance on external capital often

31 December 2024 /startups Fintech innovation and startups

Valuation Essentials: Framework for Fintech Pricing

For a fintech start-up or scale-up, valuation is crucial. It plays a significant role in major financial events such as sales, mergers, funding rounds, or employee stock option plans. Essentially, valuation determines the price assigned to a business at a specific point in time. For instance, during a funding round, it dictates how many shares an

23 December 2024 /startups /predictions Fintech

Fintech on the Move: Payments, AI, and Regulation at DFS 2024

Last Friday, I had the opportunity to attend the Digital Finance Summit in Brussels, an annual fintech conference organized by Fintech Belgium. It was a packed day of networking, reconnecting with old acquaintances, and attending insightful keynotes and thought-provoking debates. Clearly, the Belgian fintech scene remains vibrant, delivering exci

09 December 2024 /regulation /people Banking Strategy, Digital and Transformation

Designing User-Friendly Overview Screens: Best Practices and Key Features

In software development, we often find ourselves reinventing the wheel—particularly when dealing with higher-level abstractions. As I mentioned in my blog "Unlocking Business Value: Moving Beyond Low-Level Programming", while open source has reduced redundancy at the technical level, user interfaces continue to see many foundational pat

02 December 2024 /payments /retail Business Knowledge for IT

From Days to Seconds: The Push for Instant Cross-Border Payments

Domestic payments have become increasingly instant in recent years, with countries like India (UPI) and Brazil (PIX) leading the way. Today, instant payments—24/7 transactions completed within seconds, often at little to no cost—are available in over 70 countries, with rapid adoption expected to continue. ACI Worldwide reported that real-time pay

25 November 2024 /payments /regulation Payments strategies 2015-2020-2030

Streamlining Task Management: Can One Tool Fit All?

Throughout my career, working in both financial institutions and fintech companies, one consistent theme has been the use of "Task Managers" (or "Case Managers"). At their core, these systems function as task inboxes, assigned to one or more employees and often following a structured workflow. Despite their importance, you mig

19 November 2024 /regulation Banking Strategy, Digital and Transformation

Financial Institutions as Partners for Life-Altering Events Like Buying a Home

Life is full of significant milestones that often occur just once or twice in a lifetime. These milestones—while life-changing—are also highly complex to manage from both an administrative and financial perspective. The challenge stems from their unfamiliarity, as most people only experience them a handful of times. As a result, the process is n

29 October 2024 /retail /startups Banking Strategy, Digital and Transformation

Building Wealth for Everyone: How Banks Can Democratize Recurring, Low-Cost, Long-Term Investing

Active investing is challenging, often yielding less-than-desired results for the average investor. While professional investors with access to advanced tools, up-to-the-minute market information, and complex models might occasionally beat the market, for most of us, that’s a near-impossible feat. The efficiency of markets today means that any pu

21 October 2024 /wealth /retail Fintech

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