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Paul Fermor

Foundations for continuously improving customer experience

Like many industries pursuing innovation, banking and financial services often gravitate to hot topics such as decentralised and sustainable finance, super apps, or some aspect of the metaverse. While...

11 Aug 2022
Analytics in Banking
Paul Fermor

To exploit hyperautomation, banks must lay the right foundations

With a predicted global addressable market of nearly $600 billion in 2022, hyperautomation (HA) is a key focus for many industry transformation initiatives. In this article, I’ll lay out in layman’s...

06 Jul 2022
Artificial Intelligence and Financial Services
Paul Fermor

Opportunities to manage technical debt within financial services firms

In a previous blog article, I discussed how the judicious adoption and management of technical debt was a potential competitive differentiator and a key strategic business imperative for financial se...

29 Jun 2022
Banking Strategy, Digital and Transformation
Paul Fermor

Financial firms must approach digital transformation with technical debt in mind

Technical debt is a “ball & chain” for many financial firms - a natural consequence of getting things done quickly instead getting things done well. However, regarding technical debt simply as a “...

21 Mar 2022
Banking Strategy, Digital and Transformation
Paul Fermor

Banking on context to unlock opportunity in financial services

The potential emergence from the Covid pandemic will require significant adjustment to challenging macro-economic conditions. In 2022, growth is unlikely to return to levels forecasted pre-pandemic. ...

04 Feb 2022
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