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1148 Results from 2018

Retired Member

Retired Member 

Apitalism: Banks' API Monetization and Open Banking Ecosystems

We have been living in a very busy banking landscape especially for the past couple of years, new technologies and trends come and go in speed light. However, the core principle of banking has been always the same: make a good profit! How can this happen, actually pretty simple: either increase the revenue or reduce the cost. APIs can help, that's...

Banking Strategy, Digital and Transformation

Benny Boye Johansen

Benny Boye Johansen Head of OpenAPI at Saxo Bank

Is PSD2 just an MVP towards true Open Banking?

On January 13, a piece of EU legislation known as the Payment Services Directive (PSD2) came into effect, mandating that banks must make it possible for a third party company to write software through which bank customers can access their accounts and initiate payments. In other words, banks are now required to open up their data to third parties....

/retail Open Banking

Freddie McMahon

Freddie McMahon Director Strategy and Innovation at DF2020 Ltd

The Normalisation of Procedural Subjectivity

We all know that a Standard Operating Procedure (SOP) is a step-by-step set of instructions written by an organization to help workers carry out complex routine operations. Each SOP is aimed to achieve efficiency, quality outcomes and uniformity of performance, whilst reducing miscommunication and failure to comply with policy, regulatory and stat...

/ai /regulation Finextra site news

Retired Member

Retired Member 

Cryptos, Pokemon:Catch'em all

The parallel is simple to understand, yet counter intuitive to draw. Up to a certain point, video games were clearly distinct from our reality. With the latest and greatest technological innovations, finding yourself immersed into a virtual world takes the experience to the next level: crowds running all over the place, parking their cars in the m...

Blockchain Observations

Priya Lakshmi

Priya Lakshmi Digital Leader at Own

Towards an endogenous regulation - with AI and Blockchain

When I concluded my final project report for the Warwick Business School Executive MBA last year, one of the summary points was that financial services regulators would soon need to start looking at ‘technology as law’ and would need to write laws and policies to govern this change. Regulations would become endogenous rather than reactive as the...

/ai Innovation in Financial Services

Retired Member

Retired Member 

Treating fraudsters to a taste of AI medicine

Fraud is an issue that remains constant in the financial services sector. It creates trust problems between consumers and FIs, it can discourage consumer uptake of new services and it’s expensive for everyone involved. Over £1bn has been stolen from bank customers through credit and debit card fraud in the past 12 months and one in 10 people in the...

/ai /security

Retired Member

Retired Member 

Smart Future of Commuting - Mobile Payment

Technology is changing the transport sector when it comes to high-speed trains and electric buses. But, we’ve still to see the same digital transformation when it comes to improving daily commuting for millions of passengers. Especially for those in London, there’s no escape from the headlines when it comes to transport, particularly trains and bu...

Steve Cook

Steve Cook Digital Identity & Biometrics Consultant

Biometrics: Are they becoming the nirvana of personal security?

By 2020, nearly all smart devices including mobile phones, tablets and wearables will have some form of biometric security enablement. By the same time, personal banking through mobile apps will also overtake online banking in the UK. According to a recent report from Good Intelligence, by 2020 1.9 billion bank customers will adopt biometrics for a...

/inclusion

Adrian Black

Adrian Black Founder at NorthRow

Remote Reality?: Demand for secure, remote customer onboarding

The financial services industry is facing an unprecedented changing landscape of customer expectations and technology. There has been a significant rise of branchless challenger banks (such as Starling), as well as an increasing need for large incumbents to offer remote onboarding as they prune their branch networks. These changes are driving a ra...

/retail Digital Banking Trends

Retired Member

Retired Member 

How The Banking Would Be In The Future?

There are a lot of things happening in the banking sector and it is hard to predict what the future of banking would be. There's no one who can predict what the future of online banking, lending, fees and charges, and the robo-advising could be. There is a feeling that 99% of all the banks in the United States would be doing business online in the ...

/inclusion Banking Strategy, Digital and Transformation

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