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Content Hub


I’m just saying…

  • Written by FinTech Futures
  • 19th November 2019

Fintech industry influencer Dharmesh Mistry has been in banking for 30 years and has been at the forefront of banking technology and innovation.

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.

Connect with Dharmesh on LinkedIn and Twitter @DharmeshMistry

Winners and losers for 2023

Let's kick the year off with a look at where the winners and losers will come from over 2023.

Banking’s Christmas gift…

A fictitious story about the birth of a new neobank at Christmas.

Do banks really need a new core?

What are the main reasons or drivers for changing your core? I can think of a few.

Federated banking

Federated technology could offer banks a number of benefits and play a huge role in their internal transformation.

Is core banking easy?

It's now much more possible for banks to create innovative new products.

Sibos 2022: Are banks progressive about product?

I believe it's been almost 30 years since banks truly innovated on products for retail customers.

Does a composable banking future spell the end for programmers?

As industries merge, the need to mix and match software continues to grow.

Making composable banking work

Firms need to adopt a new way of working to enjoy the full benefits of composable banking.

Composing the future of banks

Flexibility, agility and innovation are core competencies that will keep banks competitive through the next decade.

Composable banking beyond the core

Composable banking allows FIs to simplify a perennial tech challenge: systems integration.

Can you compose your bank?

Composable banking – one of the most exciting and promising developments for core banking.

What is core banking?

The market for core banking software is not “a winner takes all” opportunity.

Programmable banking

We are fast approaching the time finally being right for programmable banking.

The case for building core banking

Should larger banks be looking to write their own core? I'm not so sure.

The evolution of core banking: build or buy?

There's recently been a big rise in the number of players vying to be the core banking provider of choice for banks.

Banking for net-zero homes

Banks can make a significant difference to the planet, to their customers, and ultimately to their bottom line.

Banking for the good times and the bad

Banks should be proactive in helping us manage our money better in the good times and the bad.

Banking on spreadsheets

Banks and fintechs need to step up their game to serve customers better when it comes to money management.

Banking’s digital transformation journey

It's easy to forget that banks have been through some huge transformations in relatively short windows of time.

Banking on the metaverse

Having a presence in the metaverse seems inevitable, and the best time to understand the possibilities is now.

Six reasons why landlords should re-evaluate their choice of bank

Banks should be in a strong position to support landlords, but unfortunately, this is rarely the case.

The heat is on for banks to cool the planet

Banking has a bigger role to play in climate change than many of us realise.

Open banking’s failure

The impact of open banking is on the scale of the industrial revolution. It just needs time to fully play out.

Banking for mental health

For traditional banks, there is clearly more that can be done to help those suffering from mental health issues.

Sibos 2021: Banking beyond Covid-19

Covid has changed the world, and now we have to pick up the pieces and deal with the aftermath.

What’s the meta with banking?

With the concept of metaverses gaining traction this year, what opportunities are there for banks?

Back to the future for banks

Now is the best time for banks to plan and explore the future before the wave of change hits.

Your financial digital twin

What if you had a digital twin that could manage your money faster and better than you?

The birth of personal banking assistants

Banks should aim to utilise more data to become a personal banking assistant for your money/wealth.

Is data the new currency for banks?

Banks have huge amounts of customer data, but do they have enough?

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.

Uber-izing banks

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

Beyond personalisation

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.


US Bank direct deposit

US Bank launches automated payroll deposit feature for new accounts

The automated process is available on the bank’s mobile app and online banking platforms.

  • 3rd February 2023
Lyfeguard

Financial planning platform Lyfeguard launches in the UK

The start-up aims to tackle the problem of poor personal information storage and management.

  • 3rd February 2023
JP Morgan Chase

JP Morgan reportedly planning German digital bank offering

The launch is set for late 2024 or early 2025, Bloomberg reports.

  • 2nd February 2023
Zopa logo

UK challenger Zopa lands £75m funding to fuel growth

Zopa says the deal “cements and markedly enhances” its unicorn valuation.

  • 2nd February 2023

UK government to strengthen rules around crypto

The government will strengthen rules for crypto trading platforms and crypto lending in line with traditional finance.

  • 2nd February 2023
Finley logo

US start-up Finley secures $17m in Series A fundraise

The round was led by CRV with participation from both new and existing investors.

  • 2nd February 2023

Treasury Prime bags $40m in Series C funding

With the funding, Treasury Prime plans to build out its solution and develop new products and services.

  • 1st February 2023
Tech Nation logo

UK’s Tech Nation to close, sell assets after losing government grant funding

Tech Nation says it is “actively seeking” interested parties to acquire a portfolio of its assets.

  • 1st February 2023
Moov

US payments platform Moov lands $45m Series B

The funding will be used to refine and scale the platform, and address new payments use cases.

  • 1st February 2023
FNZ logo

Swiss private bank Bergos goes live with FNZ’s core banking tech

Bergos customers will now be able to manage their finances through a mobile app.

  • 1st February 2023

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