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Rik Coeckelbergs

A bit earlier than expected: Revolut got banking licenced!

Two weeks ago I explained why we should not neglect the fact that Revolut will be made physically available in Belgium: they announced a country manager offices in both Antwerp and Brussels. Until la...

24 Dec 2018
Banking Strategy, Digital and Transformation
Christian Ball

Open banking: an opportunity to develop an entirely new market for financial products

Open banking represents the biggest banking transformation in a generation. Regulatory initiatives, such as ‘PSD2 and Open Banking’ from the UK’s Competition and Markets Authority (CMA) empower custom...

19 Dec 2018
Retired Member

What does 2019 look like for the retail banking sector?

It’s been an exciting year in the banking sector. Last week’s announcement that challenger bank Revolut has been granted a European Banking License proves that digital-first banks are no longer just t...

19 Dec 2018
Souvik Das

Using 'nudge' to boost bank acquisition campaign

Can simple but effective “nudge” theory based behavioral targeting drive higher acquisition for banks? Banks regularly struggle to achieve higher marketing efficiency in a complex and volatile busines...

19 Dec 2018
Matthew Key

What to expect from retail banking in 2019

As the new year approaches, the time has come to reflect on the developments that shaped the retail banking landscape in 2018 and look ahead to the next twelve months. A year ago, I predicted that in ...

17 Dec 2018
Digital Banking Trends
Dharmesh Mistry

Three Christmas Wishes for Digital Banking

Whilst most writers will turn their attention to reviewing the past year or more likely their predictions for the coming year, Christmas is a time to think not only of our loved ones but of others les...

17 Dec 2018
Digital Banking Trends
Arunachalam N

Know Your Transactions - KYT

Many of us have heard about KYC (Know Your Customers) while opening bank account, Insurance Policy, Investments and Pension Schemes. Bank insist on process to know about the customer before onboa

17 Dec 2018
Business Knowledge for IT
Erik Brieva

Invisible PFM Will Transform Banking As You Know It

Personal Financial Management (PFM) has evolved greatly since its birth in the early eighties. Originally developed to bring money management into what was then a widespread technological shift to the...

14 Dec 2018
Trends in Financial Services
James Eardley

What banks can do to engage with customers when they are neither selling nor solving a problem?

According to a research paper by Finextra and SAP Customer Experience, Engaging the Unengaged Customer, less than half (49%) of consumers agree that their banks work hard to engage them, and that they...

13 Dec 2018
Banking Strategy, Digital and Transformation
Andrew Beatty

Conversational Banking: How to Start the Conversation

"How satisfied are you with your bank?" is a staple question in Voice of Customer (VOC) surveys. However, one question that is almost never asked is "How proactive is your bank in reach...

12 Dec 2018
Digital Banking Trends
Matthew Phillips

2019: Time to stop being a 'jack of all trades'

When it comes to technology, financial institutions are up to their knees in regulations, security measures and legacy infrastructure, which make them slow to adapt to new trends. The last few years h...

12 Dec 2018
Bob Lyddon

Phase 2 of Project Carlton on UK payments landscape: submerged by paper mountain

The last update we gave was that the sponsor of Project Carlton had signed off on the initial research and endorsed its sharing for validation with five or six interested parties. We did that, got ver...

12 Dec 2018
Transaction Banking