Latest opinions that Marcus Martinez has shared on Finextra

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Marcus Martinez

Industry Advisor, Worldwide FSI

Microsoft

Member since

17 Oct 2018

Location

London

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Marcus's opinions

Unlocking New Value Streams: The Intersection of PSD3 and Generative AI in Financial Services

The financial landscape is on the cusp of significant transformation, driven by regulatory advancements and technological innovation. The forthcoming Payment Services Directive 3 (PSD3) promises to reshape the payments industry, fostering greater competition and enhancing consumer protections. Simultaneously, Generative AI is making inroads into B...

16 September 2024 /ai /payments

Harnessing Wisdom: How GenAI is Transforming Age Dynamics in Business

Generative Artificial Intelligence (GenAI) has ushered in a new era of technological advancement, bringing with it a paradigm shift in how we perceive and interact with technology. Interestingly, this wave of innovation is not just being embraced by the younger generation but is significantly being adopted by older individuals, a reversal of the t...

23 June 2024 /ai /people Artificial Intelligence

AI at the Crossroads: Navigating the New Era of Technological and Societal Transformation

In the rapidly evolving landscape of technology, Artificial Intelligence stands as a beacon of transformative change, reshaping the fabric of how we live and work. The advent of groundbreaking technologies like ChatGPT and other advanced language models marks just the beginning of an era where AI is not just an innovation but a fundamental shift i...

03 February 2024 /cloud /predictions Artificial Intelligence

The AI-Powered Future: Is the 5th industrial revolution already here?

The answer isn’t clear, but it will certainly be evident when we look back half a century from now. Technological breakthroughs, such as increasingly and surprisingly sophisticated artificial intelligence algorithms, make us question whether we’re living through a fundamental transition point in history. It’s worth noting that a common aspect acr...

09 March 2023 /cloud /predictions Artificial Intelligence and Financial Services

Is your brand hurting your customer's feelings?

2020 will be a remarkable year. A new decade has begun, giving us the feeling of a fresh start, of possibility, and the opportunity to reflect on the changes and progress we have made so far. The challenge is to find a relevant point in time, an anchor if you like, that we can use in order to establish a meaningful comparison. When I think about ...

10 March 2020 /retail Open Banking

Hyper-Casual Banking

If you own a smartphone, the chances are you have at least one gaming app installed. You know, for those rare moments when you have a few minutes to spare and just need to switch your mental focus. However, with the ever-increasing power of smartphones’ processing capabilities, mobile games have become much more sophisticated, with so many feature...

04 March 2020 Open Banking

The Half-Life of Current Accounts

It’s a generally accepted concept that all physical materials decay over time. Rocks, food, metal, bones, etc… all of these things become weaker or decompose gradually, at different speeds. Scientists call this natural process “half-life”; a concept that can be applied to any area where the quantity or strength of something decreases over time. Th...

07 January 2020 Behavioral Economics in Banking

The age of data abundance...and time poverty

“Data is the new oil” – you’ve probably heard this quote all too frequently by now. I can’t deny this is an interesting parallel, given data (just like oil) can be mined, stored and transformed in order to power other technologies and create value. However, I think this parallel is not only misleading, but dangerous when you consider the broader c...

17 December 2019 Open Banking

Predicting an avalanche

Avalanches are an interesting phenomenon. All looks peaceful and quiet, until that exact moment when an invisible trigger is activated and that humongous mass of snow comes down destroying anything standing in its way, temporarily changing the landscape beyond recognition and covering the ground with new layers of debris. So how do we know when a...

29 November 2019 Open Banking

Is mobile banking contributing to app fatigue?

Since the advent of the internet in the late 90’s, despite some initial scepticism, Banks are increasingly present in cyber space offering new products and services. The maturity of the internet-banking channel evolved (extremely slowly) from providing access to basic account information to allowing customers to manage more complex products. This,...

21 November 2019 Open Banking