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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

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

Behind the Scenes: How Banks Handle Payment Claims and Disputes

Payment claim handling is a crucial process within the financial sector, ensuring that all monetary transactions are accurate, legitimate, and properly accounted for. Despite its significance, this activity remains largely invisible and underappreciated. Very few articles are written on LinkedIn or other specialized content platforms about this t

07 October 2024 /ai /payments Payments strategies 2015-2020-2030

From Data to Decisions: The Journey of Data in Analytics

"Data is the new gold" is a quote often heard, especially in the financial services industry. This sector deals with enormous amounts of extremely valuable data about their customers and handles purely virtual products or services. Thus, data is an essential part of the financial services business. While the value of data is undeniable,

23 September 2024 /ai /startups Analytics in Banking

AI's Journey in Banking: Beyond the Initial Wow Effect

Since the launch of ChatGPT in late 2022, there has been a global surge in interest in AI, particularly in generative AI. Millions of dollars in venture capital are pouring into AI startups, and any tech company not incorporating AI is seen as outdated. AI has become essential not only for obtaining funding but also for securing customer interest

09 September 2024 /ai /predictions Artificial Intelligence and Financial Services

Belgium’s Capital Gains Tax Proposal: The Complexities Beneath the Surface for the Financial Service

Belgium is currently in the midst of forming a new government, a process known for its length and complexity. As we face yet another challenging government formation, a significant debate has emerged around the introduction of a capital gains tax on profits from the sale of equities that are currently untaxed in Belgium. The proposal suggests a t

02 September 2024 /regulation /retail Financial Services Regulation

The Next Big Shakeup in European Banking: From Local Giants to Pan-European Titans

At the turn of the millennium, the European banking industry underwent significant consolidation - a process where financial institutions merge or are acquired, resulting in fewer but larger banks with greater market share. Notable examples from that period include: Belgium: CERA, Kredietbank, and ABB Insurances merged into KBC in 1998. In

26 August 2024 /retail /predictions Banking Strategy, Digital and Transformation

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