bankingtech.com

We are still at the start of the journey with open banking and have yet to see its full potential.

How proactive have UK banks been with their API strategy?

Has open banking delivered on its promise of driving innovation and competition?

Experience owners seek to fulfil end-to-end customer journeys for their niche segment.

A strategic choice whether you become a platform to enable experiences or you own experiences.

Gen Z is already forming an opinion about banks that is not favourable. Have the banks lost the battle for Gen Z?

Leo is ahead of many banks when it comes to cloud technology.

I used my phone for so many things. How would I survive without it?

The opportunity for BaaS is huge and compelling, but the journey to get there is long and complex.

In over 30-years of banking, I have never seen a more complex and competitive landscape as there is now.

This battle is for core banking software, challenging the likes of SAP, Finastra and Temenos.

Banks have relied on the “five p’s” – people, physical cash, premises, processes and paper.

Charles Dickens' popular novel, "A Christmas Carol", gets a banking spin.

As the new kids on the fintech block start to mature, I do hope they support the broader community.

Banks that want to own their distribution should also have a strategy for DBP in place.

Any one of these layers may have its own technical architecture or even be a separate business.

Is it time that we jumped from the app bandwagon?

The plethora of digital engagement platforms out there are really just very basic gamification platforms.

I’m just saying there is an opportunity to learn how to “gamify” banking today.

Every bank needs a single brain to anticipate the needs, wants and quirks of every customer.

For a bank to engage with a customer, they need to go beyond the initial request.

In banking, a legacy product core based on old technology can’t simply be modified.

I’m not saying that digital transformation is just a case of implementing a DBP.

The separation of customer management from product management has very strong advantages.

Highlighting how tech companies have come to the rescue during the COVID-19 crisis.

He highlights the positive impact of the current situation and how our past was not necessarily better.

I think what we (business owners) really want is an experience driven bank.

Europe and USA have to create their own ecosystems to compete with the East.

It's time to drop the words "digital" and "tech".

Surely banking customers want and deserve better banking?

So, what can banks learn from Amazon? In a nutshell it should have these key features.

The secret is not just about being frictionless and digital.

Will banks ever truly reinvent banking?

Banks need to identify new segments and go beyond banking

Recognising who customers are, what they believe, how they respond and act.

Finally customers will get help in managing their lifestyle or life stages.

A truly digital organisation can live without one of the five P's that typically creates friction.

It's best to be clear whether it's truly digital or whether it is in fact digitisation.