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As per a recent CNBC report (1), In US, fintech companies accounted for 38 percent of all US personal loans in 2018. That's a revolutionary growth from just 5 percent in 2013. On the other hand, tradi...
I had, in my last blog, said “The objective of Industrialization is to drive innovation and efficiency by reengineering the value chain to add measurable value”. In this blog, I take a deeper dive int...
The world has become more comfortable with the faster pace of financial innovation, with institutions using data analytics more extensively, digitising processes and customers prioritising these advan...
$100 Ben, You Did It Again! One of my favorite American historical personalities is Ben Franklin, born 1706 and died 1790. Yes, Ben is known as a leader for liberty, a politician, an inventor, scienti...
Algorithmic trading has picked up steam in the corporate bond market as fixed income trading desks appear to follow the playbook of equities. But skeptics contend this is unlikely, arguing that bonds...
The cryptocurrency industry is on the rise, and it is no longer just an industry dedicated to currency. Many thought that 2017/2018 was the peak year for the crypto industry when hundreds of currencie...
In September last year – the ECB produced its first report on Card Fraud since 2015. It is unusual to see a public report that covers all of Europe and there are some interesting viewpoints to be take...
This is the eighth and final blog in our series on the Contingent Reimbursement Model code (“CReM”) that purports to offer customers strong protection against certain types of Authorised Push Payment ...
Introduction User journey and customer journey are the buzzwords in the IT industry, given the need for redesigning applications for a better user/customer experience. When it comes to selecting or pr...
Banking – The conventional way In traditional banking, bank accounts are opened by the end customers/consumers to conduct critical and common banking transactions – payments and transfers, loan disbu...
Banks these days are increasingly testing how to grow their value in consumers’ daily life. A few articles in the Belgian press in the last few days showed this once again. It is a process that is ong...
Imitation is the best form of flattery, but what Spotify did to Agile and what industry doing to it by trying to replicate is atrocious. If something works for a company and it is different from the