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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

Fraudsters Go Global: Combatting Fraud in 2025

Fraud is no longer confined by borders. It has evolved into an international issue, with perpetrators often operating from different countries than their victims. Developed nations such as the US, UK and the rest of Western-Europe remain prime targets. Particularly in the UK, the combination of a large population and English-speaking residents ma

13 October 2025 /payments /regulation Exposing Financial Crime

UPI’s Free Ride: A Masterstroke - But Can It Last?

Already 2 years ago, I explored in my blog "The UPI Phenomenon: From Zero to 10 Billion" (https://bankloch.blogspot.com/2023/09/the-upi-phenomenon-from-zero-to-10.html) how India’s Unified Payments Interface (UPI) reshaped the digital payments landscape. UPI has grown into one of the world’s largest digital payment systems, processing o

06 October 2025 /payments /retail Payments strategies 2015-2020-2030

The Rise of Stablecoins: Reinventing Cross-Border Transactions

Stablecoins are everywhere in the news and not just in crypto circles. Around the world, governments, financial institutions, and fintech innovators are actively exploring their use in payments. Just in the past few weeks, we’ve seen multiple announcements: Stripe & Paradigm launching a new blockchain project for stablecoin payments. Ripple &

22 September 2025 /payments /crypto Cryptocurrency Insights

The First Line of Defense: Tackling Scams Before Transactions

In my blog "The Missing Link in Fraud Prevention: Real-Time Customer Dialogue" (https://bankloch.blogspot.com/2025/06/the-missing-link-in-fraud-prevention.html) I argued for moving fraud checks earlier in the payment flow. Rather than waiting until a customer has signed and submitted a payment, banks should interact during the initiatio

15 September 2025 /retail /crime Exposing Financial Crime

Innovation or Illusion? Belgian’s first Savings Account with daily interest payouts.

At the end of August, Revolut launched a new savings product in Belgium — a non-regulated account with daily interest payouts. As the first of its kind in Belgium, the news made headlines, and LinkedIn buzzed with speculation: Is this the future of banking in Belgium, or just clever packaging? At first glance, it feels fresh and exciting. A sav

08 September 2025 /retail /predictions Fintech World

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