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Thomas Pintelon

Head of Strategy

Capilever

Member since

13 Jan 2017

Location

Brussels

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Thomas's opinions

Tips and tricks for making investment tools more transparent in these high inflation times

In these times of high inflation - significantly higher than interests on savings - investing your excess money (wisely) is crucial to avoid losing purchasing power. Hundreds of books and courses try to introduce the basic concepts of investing and almost all of them mention a few key guidelines that everyone should follow, i.e. Invest according t...

25 May 2023 /wealth /retail Innovation in Financial Services

Market observations for tackling financial stress

What do Wise, Curve, Qover, Monese and Capilever have in common? Besides being Fintechs active in the financial services sector you will probably say not that much, but when you look at their recent product announcements you can see a common line, i.e. they are all working on features to remove financial stress. And with financial stress we don’t ...

09 January 2023 /retail Fintech innovation and startups

Examples how to better guide customers in home loan decisions

The decision to buy or renovate a home, is for most people the most important financial decision in their life. Not only are the involved amounts 10 to 100 times higher than most other financial decisions, there are also many decision factors to consider. Nowadays most banking clients only make a conscious decision about the tip of the iceberg. Wh...

09 November 2022 /retail /startups Banking and Lending Solutions

A Roadmap for Hyper-Personalized Lending

In a previous blog "Are credits not too commoditized?" in February 2020, we already raised the concern that loans in general and mortgages in particular have become too much of a commodity product, for which price is nearly the only differentiator. Many customers are however unaware that the loan with the best price or interest rate may ...

22 June 2022 /retail /startups Trends in Financial Services

Some new techniques to unlock asset-based lending for company financing

Most SMEs have significant cash tied up in assets, for example inventory, machines, equipment, real estate or financial assets. Using these assets in an easy and flexible way for lending could unlock huge liquidity amounts and alternative sources of company funding. In this blog, we discuss some new techniques to make the qualification of the unde...

22 November 2021 Small Business Lending Innovation

Credit trends - 2021 update

While many financial players are investing heavily in transforming the credits domain, the financing products themselves have not changed significantly in the last few decades. Instead, innovation is mainly focused around digitizing and automating existing credit products and processes using modern techniques to better assess the credit risk. In o...

15 September 2021 /retail /predictions Trends in Financial Services

4-step roadmap towards more customer centricity in the Credits domain

"It’s about me, here and now" can be considered as the catch phrase for customer centricity. In the banking industry this means providing financial services 24/7 via any channel (including third party apps via embedded banking) and as personalized as possible. However, in reality many banks are still organized in a product-centric way. T...

06 July 2021 /retail Trends in Financial Services

Radically rethinking financial products from their core – 5 examples

Under increasing pressure from disruptive Fintechs and changing customer expectations, the banking landscape has drastically changed. Over the past 5 years, banking has been transformed from a risk-averse, very conservative sector to one of the fastest moving and innovating sectors in the world. Such innovation can be found anywhere in banking, ma...

01 June 2021 /wealth /retail Innovation in Financial Services

Identifying the customer needs before traditional credit origination

In a world of hyper-personalization and customer-centricity, customers are expecting their banks to provide solutions to their needs, rather than having to find, buy and compose different products and services themselves. This results in embedded user journeys, where different products and services (often of different companies partnering together ...

27 April 2021 /retail Personal Finance

4 ways to improve financial fitness

Despite significant efforts by schools and media to give more attention to financial skills, the level of financial literacy in the general population remains low. Basic financial budget management appears very difficult for many people, let alone understanding more complex concepts like the correlation between risk and return, the need for divers...

17 March 2021 /wealth /inclusion Financial Risk Management

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