I’m just saying…
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
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.
Acorns bags second acquisition of 2021 with AI start-up Pillar
Pillar helps students manage loan debt.
Swiss neobank Alpian lands $18m Series B ahead of 2021 launch
The raise comes less than a year after its Series A.
Octobank acquires Earlybase to boost sales and marketing in Europe
Czeczia-based neobank makes strategic buy.
Nomura hires former Barclays exec Jain as new CIO
Jain spent 13 years at Barclays, leaving as CTO in 2019.
UK fintech TrueLayer lands $70m Series D led by NY investor Addition
TrueLayer claims payment volumes have grown by 600 times in the last 12 months.
Plaid announces $425m Series D with three new investors
“Mobile banking is no longer the realm of start-ups”.
Harlem Capital raises $134 million for its second fund
Harlem Capital Partners Venture Fund II was oversubscribed from its target of $100m.
La Banque Postale picks Ebury for international SME transfers
French postal bank aims to expand abroad for SME customers.
Two UK towns to open all-in-one Banking Hubs pilot stores
The towns are two of nine across the UK to get one.
Santander International to deploy cloud-based Temenos system
Isle of Man and Jersey users switching over to Temenos platform.
