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

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

SMEs: Too small to serve, too big to ignore

The first wave of Open Banking was characterised by a steep learning curve for the nine largest UK banks. The new technology standard created challenges in all organisational aspects. Banks will have to operate differently, increase their focus on collaboration and up-skill their employees to navigate this change. Another key characteristic of thi...

14 November 2019 /inclusion Open Banking

Customers Don’t Care About Open Banking

So you are not (yet) part of the select group called CMA9 and you are asking yourself: “Should I wait to be invited or just joint the movement? Is this Open Banking standard really a game changer?” Even though Open Banking was introduced by the CMA order in the UK, in reality, Open Banking is an industry necessity and it is inevitable. The alterna...

07 November 2019 Open Banking

The misplaced fear of digital

Every year there is a new buzzword that dominates the conversations in the financial services industry. A few years ago it was Big Data, then omnichannel. After that, it was Blockchain and now Open Banking. Interestingly enough, most of the attention is usually on the threats of new technologies, how they may disintermediate banks, how groundbreak...

28 October 2019 Open Banking