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David Ritter

Repercussions of a recession: financial sector predictions for 2023

As we enter a new year, we often look forward to a period of respite, in which we can think positively and prepare for a healthier, happier future. However, today’s imminently tougher economic conditi...

21 Dec 2022
David Ritter

What will the recession mean for BNPL?

Thanks to its popularity among Gen Z's go-to retailers, the buzz around Buy Now, Pay Later (BNPL) may seem new, but the concept is as old as credit itself. What makes BNPL different is the seamless di...

30 Nov 2022
David Ritter

How regulation can put an end to crypto’s Wild West

There’s an anonymous quote that circulates social media, often used to lament today’s ‘Age of Undiscovery’ and the drab lack of exploration, and excitement, within: “Born too late to explore the Earth...

14 Nov 2022
Cryptocurrency Insights
David Ritter

Why digitisation is a game-changer for financial inclusion

One customer segment that has been historically neglected by the financial services sector is the so-called “unbanked” and “underbanked”. The unbanked are people who don’t use any banking services, in...

10 Jun 2022
Financial Inclusion
David Ritter

Can crypto ever take off as a mainstream currency?

In just over a decade, cryptocurrencies have enjoyed remarkable growth. We’ve all heard the story of the crypto miner trading 10,000 bitcoins for two pizzas back in May 2010. Today, those same bitcoin...

06 Apr 2022
Cryptocurrency Insights
David Ritter

2022: the rise of the consumer-friendly bank

Recent financial news headlines of record bank profits and banker bonuses often paint banks as villains. However, they miss out that many have lost consumers to upstart rivals recently. Much of the r...

28 Feb 2022
Banking Strategy, Digital and Transformation
David Ritter

Delivering on the potential of open finance

Not long ago, “open banking” seemed like something unimaginable. As new digital technologies increased, the level of cyber risk also evolved. So financial data, always considered highly sensitive, bec...

13 Jan 2022
Open Banking
David Ritter

The digital-first world: financial services predictions for 2022

As investment booms, unemployment falls, and Europe’s economy soars, financial institutions are set to enjoy a strong year in 2022. But with consumer behaviour changing post-pandemic, banks will need ...

23 Dec 2021
Banking Strategy, Digital and Transformation

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