I’m just saying…
As chief digital officer (CDO) and product director at Temenos for seven years and IT consultant at Lloyds bank in the mid-1980s, Mistry has also held posts such as the head of technology strategy and architecture at NatWest Bank Card Services, and a CTO in both entranet and edge IPK.
From the very first internet and mobile banking apps to artificial intelligence (AI) and virtual reality (VR) – Mistry has been on both sides of the fence and he’s not afraid to share his opinions.
He is CEO of AskHomey, which focuses on the experience for households, and an investor and mentor in proptech and fintech.
Open banking myths
We are still at the start of the journey with open banking and have yet to see its full potential.
Who’s banking on APIs?
How proactive have UK banks been with their API strategy?
Data’s open road…
Has open banking delivered on its promise of driving innovation and competition?
Experience-driven banking: experience owners
Experience owners seek to fulfil end-to-end customer journeys for their niche segment.
Experience-driven banking: experience enablers
A strategic choice whether you become a platform to enable experiences or you own experiences.
Meet Jake: Gen Z crypto enthusiast
Gen Z is already forming an opinion about banks that is not favourable. Have the banks lost the battle for Gen Z?
Meet Leo: Gen Alpha
Leo is ahead of many banks when it comes to cloud technology.
Breaking my addiction
I used my phone for so many things. How would I survive without it?
Banking’s long road to BaaS
The opportunity for BaaS is huge and compelling, but the journey to get there is long and complex.
The big fight: banking vs technology companies
In over 30-years of banking, I have never seen a more complex and competitive landscape as there is now.
The core wars
This battle is for core banking software, challenging the likes of SAP, Finastra and Temenos.
The five p’s of banking
Banks have relied on the “five p’s” – people, physical cash, premises, processes and paper.
Banking’s Christmas ghosts
Charles Dickens' popular novel, "A Christmas Carol", gets a banking spin.
Banking for good
As the new kids on the fintech block start to mature, I do hope they support the broader community.
Digital banking platforms – the new core
Banks that want to own their distribution should also have a strategy for DBP in place.
Breaking down banks
Any one of these layers may have its own technical architecture or even be a separate business.
The end of apps
Is it time that we jumped from the app bandwagon?
Getting ahead of the game in banking
The plethora of digital engagement platforms out there are really just very basic gamification platforms.
Kids are banking’s future NOW
I’m just saying there is an opportunity to learn how to “gamify” banking today.
Banks need a single brain
Every bank needs a single brain to anticipate the needs, wants and quirks of every customer.
After divorce comes engagement for banks
For a bank to engage with a customer, they need to go beyond the initial request.
Is your bank rotten to the core?
In banking, a legacy product core based on old technology can’t simply be modified.
Banking is moving to a dual core
I’m not saying that digital transformation is just a case of implementing a DBP.
Banking’s long divorce process
The separation of customer management from product management has very strong advantages.
Tech for good
Highlighting how tech companies have come to the rescue during the COVID-19 crisis.
The return of humanity in the digital era
He highlights the positive impact of the current situation and how our past was not necessarily better.
Disrupting small business banking
I think what we (business owners) really want is an experience driven bank.
Is the future of banking not open but closed?
Europe and USA have to create their own ecosystems to compete with the East.
The end of technology…
It's time to drop the words "digital" and "tech".
The problem with better banking
Surely banking customers want and deserve better banking?
The Amazon-ification of 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.
Tesla-fy your bank
Will banks ever truly reinvent banking?
Carlsberg Bank – probably the best digital bank in the world
Banks need to identify new segments and go beyond banking
Recognising who customers are, what they believe, how they respond and act.
The birth of life stage banking
Finally customers will get help in managing their lifestyle or life stages.
The driverless bank
A truly digital organisation can live without one of the five P's that typically creates friction.
Being digital vs doing digital
It's best to be clear whether it's truly digital or whether it is in fact digitisation.
Tesco Bank set to close all personal current accounts by November
Bank to close all 213,000 existing accounts as many show “limited activity”.
Starling makes Fleet Mortgages its first acquisition with £50m deal
UK challenger looks to expand into mortgages as an asset class.
UK government plans further sale of state-owned NatWest shares
NatWest plans to be fully private by 2026.
Russian central bank asks exchanges to avoid cryptocurrency firms
Bank of Russia asks stock exchanges not to list crypto-adjacent companies.
Bank of Ireland to acquire Davy in €440m deal
Davy is also selling Davy Global Fund Management and its shareholding in Rize ETF to other third parties.
FTX Trading hits $18bn valuation with $900m Series B round
The Series B is one of the largest ever funding rounds for a crypto exchange.
Santander UK launches cash management platform with Infosys Finacle
Santander Global Connect will roll out in phases through the year.
Revolut picks Equifax as UK data and analytics provider
Revolut’s app is now powered by Equifax cloud-based data in both the UK and US.
Soldo secures $180m Series C funding round
Soldo says the round is a European record for the spend management category.
Visa to acquire Currencycloud in deal valued at £700m
Payments giant seeks to strengthen its foreign exchange business.