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Marcus's blog archive

2020 (1) 2019 (6)
Marcus Martinez

Marcus Martinez

Director Consulting Expert at CGI
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Bio Open Banking and Payments SME Career History Marcus is a business advisor with over seventeen years experience in multiple sectors as both as a management consultant and industry professional, advising global corporations on operational and technology transformation.


Behavioral Economics in Banking

The Half-Life of Current Accounts

07 Jan 2020

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...

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The age of data abundance...and time poverty

17 Dec 2019

“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...

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Predicting an avalanche

29 Nov 2019

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...

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Is mobile banking contributing to app fatigue?

21 Nov 2019

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,...