Latest opinions that Thomas Pintelon has shared on Finextra

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Thomas Pintelon

Head of Strategy

Capilever

Member since

13 Jan 2017

Location

Brussels

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Thomas's opinions

More flexibility in business loans, now more than ever

In a previous blog on whether "credits are not too commoditized" we shared some thoughts on how banks can differentiate more based on offered credit services rather than just interest rate. The blog mainly focused on private purpose loans, but similar trends and needs exist for businesses/SMEs. In this blog we won’t focus on large corpor...

01 December 2020 /retail Trends in Financial Services

Investing - A spectrum of choices

In our last blog we introduced a number of ways how banks can activate the ever increasing amounts of saving deposits, by turning them into investments. However once customers have taken the decision to activate their money, they still have a variety of investment services and products to choose from. Investment services With regards to investment ...

02 November 2020 /wealth Innovation in Financial Services

Some novel ways to activate savings and fight economic recessions

With skyrocketing savings all over the world, an economic crisis is difficult to avoid as consumption drops and investments are generally postponed. While at first sight these unused savings seem to be a jackpot for banks in terms of increasing net interest income (= difference between credit interest payable, and debit interests receivable & l...

14 October 2020 /wealth /retail Personal Finance

Credit scoring - Art or science?

Financial services companies offering credits need to assess the risk they are taking when accepting a credit. This mainly consists of determining the probability that the borrower will not repay the credit, and the amount of money that will be lost in that case. Usually this risk is expressed by respectively the Probability of Default (PD) and the...

16 September 2020 /retail /inclusion Financial Risk Management

Credit servicing - Much more than just a back-end process

While credit origination is considered as a very customer-centric process, the credit servicing part that comes afterwards is usually considered as a purely operational, back-end process. However, substantial added value and competitive advantage can be reached by a more customer-centric approach during this credit servicing lifecycle. In an earli...

14 August 2020 /retail Banking Strategy, Digital and Transformation

Credit origination - A lot of innovation on the horizon

While consumer credits are becoming more automated and user-friendly to request, all other credits are often still very manual and labor intensive to originate. In this (relatively long) blog I will try to give a description of the (potentially many) different steps in a credit origination process and how they can be innovated. I will describe the ...

30 June 2020 /retail /wholesale Innovation in Financial Services

Social distancing and Financial distancing - New counterparty risk models

The impact of the current crisis on counterparty risk models One could argue, that in a similar way that social distancing can limit the epidemic spread in the current health crisis, applying correct counterparty risk measures can prevent the contagion and propagation of financial defaults. Not by excluding companies from doing business, but by he...

27 May 2020 Financial Risk Management

Living a debt-free life - Utopia or realistic aspiration?

Recent surveys indicate that the biggest aspiration of millennials today is not to buy a house or to get married, but to become debt-free (e.g. Business Insider, New York Life, ...). In the US and UK, many young adults are struggling with enormous student loans, but even in countries where studying is cheaper similar echoes are heard. Millennials ...

29 April 2020 /retail Innovation in Financial Services

Are banks ready for the Corona emergency measures imposed by governments?

Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people and businesses overcome a period of low to zero income, which completely breaks their predicted liquidity forecasts. Such a shock in liquidity can ev...

26 March 2020 /covid-19 Digital Banking, Mortgages and Savings

Are credits not too commoditized?

Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. Incumbent providers are still trying to convince customers with product-differentiation slogans that they offer the best reliability or the greenest electricity. ...

25 February 2020 /retail Financial Risk Management