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Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

The absurdity of innovation: Reimagining banking today

In business we are encouraged to challenge the status quo, think outside the box, and disrupt or be disrupted. We are exhorted to fail fast while we think big, start small and scale fast. And while there might be some dispute about whether Peter Drucker actually said, “innovate or die”, there is no argument that he had a profound belief in the c

/retail Banking

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

Transforming lending through a digital-native mindset

Banks today face technological changes, rising costs, system fragility, and competition from more agile players. Decades of investment in technology have resulted in a complex set of systems of different vintages and capabilities. For many established banks, technology has shifted from an enabler to an anchor, particularly in their lending operati...

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

Is core banking transformation key to sustainable success?

Given the transformative role that finance plays in peoples’ lives, advanced banking products and services should be accessible to all. Financial services should be delivered when and where customers need it, at a price point that is attractive to customers and profitable to financial institutions of all types, including banks, credit unions and b...

Digital Bank Transformation

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

Navigating the terrain of composable banking with pragmatism and purpose

Few industries rely on technology as much as the financial services industry does. In fact, Gartner estimates that banks spend more than $650 billion on technology each year. Some question whether banks are spending enough, especially when customer expectations are rising, competition is increasing, and the regulatory burden shows no signs of slow...

/cloud Banking Strategy, Digital and Transformation

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

How Symbiosis unlocks the true potential of banking technology

Technology transforms. This is clear. Consider the device you are reading this article on. The chances are high that you are reading it on a mobile device. In fact, as of January 2024, 59% of all website traffic comes from mobile, up from 6% in 2011. And while the first mobile phone call was made way back in 1973, by 2007 access to good quality 3G...

/retail Banking Strategy, Digital and Transformation

Siobhan Byron

Siobhan Byron EVP, Universal Banking at Finastra

Unlocking inorganic growth in the U.S. community banking landscape

In the ever-evolving landscape of community banking and credit unions in the United States, the theme of inorganic growth has become more than a trend; it is a pivotal force that can shape the future of financial institutions. Inorganic growth, in the form of acquisitions and strategic partnerships, presents a golden opportunity for community banks...

Banking

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