Join the Community

21,899
Expert opinions
43,919
Total members
442
New members (last 30 days)
184
New opinions (last 30 days)
28,650
Total comments

Latest expert opinions

clear
clear

1376 Results from 2022

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

My e-Journey - over 40 years. Part 4. Going Nordic

Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed into commercial lending without the needed experience. This might still have been manageable - but the unrealistic attempts to keep the Finnish Markka ...

/payments /retail Innovation in Financial Services

Andrei Karpushonak

Andrei Karpushonak CEO at Aprimerose

Happy New Year, 2023

2022 was the third year in Aprimerose history. First-year was the difficult one, yet we survived the lockdowns. Great tools helped us stay in sync. We embrace async communication and goal-oriented, which reduced the need to have online meetings to 3 per week (total of two hours). Transparency and a direct approach inside the company help us to a

/startups

Kim Engman

Kim Engman Senior Director at Tietoevry Banking

Vikings don't use cash

The Nordic countries and past vikings, are virtually cashless societies in 2023. There's no need to bring cash to come visit. The Nordics (i.e., Denmark, Norway, Sweden, the Faroe Islands, Iceland and Finland) aside for being the happiest group of countries, have intensified their journey towards digital payments. Status and how they got here Even...

/payments /inclusion The future of Payments in Europe

Prasenjit Das

Prasenjit Das Senior Director at Virtusa

Electronic Trade Documents Reform - A Successful Model and Lessons Learnt

Lessons for Banks The Unified Payment Interface (UPI) which effects money transfers across Banks in India and developed by the NPCI has been duopoly of two FinTech- Google Pay & PhonePe. Ironically NPCI was set up by India’s’ central Banks & a consortium of Banks including Citi Bank & HSBC. Inter Bank payments which otherwise is someth...

/wholesale Electronic invoicing

Rachele Carraro

Rachele Carraro Founding Marketer at Mintago

How Financial Technology Helps Tackle The Cost Of Living Crisis

Much like the pandemic, inflation and the rising cost of living are having a vast impact on the wellbeing of many UK employees. With inflation threatening to reach 18.6% (a level not seen in almost half a century), employees are looking for ways to cope with their financial uncertainty and continue to make ends meet. In light of the current econo...

/startups Fintech

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

My e-Journey - over 40 years. Part 3. Interconnecting customers

Especially in the Nordea Bank stage we started to think that the then 4 million strong e-Banking user habit and trust should be reused for other interaction purposes than traditional payments and other banking services. With 10 million private and 1 million corporate customers there must be an enormous customer and societal value in interacting al...

/retail /identity Banking Strategy, Digital and Transformation

John Bertrand

John Bertrand MD at Tec 8 Limited

Understanding why we have non-bank payment providers

Historically banks provided both banking and payment services. In the early days banks held the money in a vault and pay out the money at the branch or use the telegraph network to “wire money” to the client’s payee. Since 2015, eight years ago, the UK has seen half its bank branches (7,000) closed. COVID accelerated the use of online banking and ...

/payments /regulation Fintech

Carlo R.W. De Meijer

Carlo R.W. De Meijer Owner and Economist at MIFSA

Main trends in blockchain and crypto in 2023

Turning back from our almost one month stay during November in South Africa, our beloved travel country, I was heavily chocked by the events on the crypto markets. During our stay I had promised my wife not to follow the news in these areas. But looking at internet I read the various articles and blogs on the FTX crypto exchange collapse and the ne...

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Reposting Open Letter to the EU-Commission - as not sure that the organisation ID is understood

In these dark days of brutal military aggression, it is important to find time to also look forward and discover new ways to make Europe more competitive and secure. The next phase of digitalization – the trusted data infrastructure based on Self-Sovereign Identity and MyData principles - is now an opportunity on an unprecedented scale. The impa...

/regulation /identity Banking Strategy, Digital and Transformation

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

The Crazy Year of Scams

It was seven years ago in the weekly update with the Data Science team. As Chief Cyber Officer and co-founder of behavioral biometrics company BioCatch, which specializes in online fraud detection, this was my favorite internal meeting: there were always some new tricks the fraudsters did which the team picked up on, and it was pure fun to learn

/regulation /crime Digital Banking Trends

Now Hiring