The heart of the matter: a customer-centric look at fintech

Many big brands are now looking at embedded banking as a way to boost customer loyalty.

According to McKinsey, 70% of digital transformation projects fail. So what is going wrong?

There are a lot of parallels among the big banks in terms of why digital transformation is so complicated.

For me, the big lesson was we might not be correct or justified in our thinking as much as we think.

The start of 2023 has been interesting for the climate change agenda.

As we hurtle towards the end of the year, let's take a look at how my forecasts for 2022 have turned out.

The FTX debacle will see the Wild West of crypto's emergent years replaced by control and discipline.

Generative AI may soon be able to build platforms or design new products in the financial services industry.

FinTech Futures columnist Dave Wallace shares three key take-aways from his recent chat with Antony Jenkins.

A number of associations are being spun up to support FIs to address the complexity around decarbonisation.

Brands with large customer bases can use BaaS platform providers to create deeper relationships with customers.

We are entering interesting times in the ESG and climate change debate.

Based on recent experiences, here are some thoughts on what finance can learn from the auto industry.

The potential for Web3 to enable financial inclusion in populations is tremendous.

Rewiring the economic system will be a challenge, but I think it's supercritical.

The challenge for the industry is how to go beyond what they have and deliver platforms beyond the transactional.

Many FIs are looking to utilise external data centres to reduce greenhouse gas emissions.

Out of this crash will come stable businesses that genuinely add value to people.

NatWest, the Scottish Tech Army and GoCodeGreen recently collaborated on a new project.

Expectations about what is acceptable from a CO2 emissions perspective have to mature.

Many digital financial services lack a "human heart". And that should be something that worries the industry.

Nobody seems quite sure what the metaverse actually is, but to dismiss it as just hype is to miss the point.

Climate change is a complex problem, and its solutions are manifold and multifaceted.

I recently attended a hackathon at Finovate Europe focusing on ESG in the financial services industry.

The outlook for apps is a happy one, and brands are finally starting to lean into their potential.

Connecting government accreditation and crypto can provide a viable alternative to carbon offsetting.

Banks and fintechs should understand how much energy they consume to make better informed decisions.

Unpicking bias in AI is a whole new fintech opportunity and one that appears to be very needed.

As we rush headlong into virtual worlds in the metaverse, the concept of digital twins will become more conspicuous.

It's that time of year when crystal ball gazing is de rigueur.

Linking currency to carbon could open the door to a better and more sustainable economy.

Looking to the future, increasing climate change could see the emergence of carbon-centric super apps.

Every bank, fintech, and financial institution should now be looking to prioritise ESG and net-zero initiatives.

Let's dive deeper into what the finance industry can do to help tackle climate change.

How can the BNPL industry do more to protect consumers and help the world we live in?

How could climate change impact the finance industry and what more can companies do to tackle the issue?

People are turning to influencers on social media for guidance on everything, including finance.

The path to personalisation in banking is apparent. But like every journey, it needs those first steps to be taken.

The emergence of blockchain and digital currencies is sparking a new tech battle across the world.

All too often, the voices of young people seem to be ignored. Now is a critical time to talk and listen.

With half the world on social media, why are so many FIs still shying away from it in fear?

Most companies talk about the importance of mobile technology, but I'm not convinced there is a proper understanding.

Banks could do more to provide financial education, guidance and advice to customers.

Women and men seem to differ in their attitudes to banks and banking products and services.

There's a disparity between how banks think and what customers do.

So much of what we conceive, discuss and celebrate is about tech. How often do we talk about actual customers?