Retail Banking Systems Insights


How Millennials may shape the future of asset management

16th November 2017

Company: bobsguide
The PIMFA Millennial Report 2017 was published today, with the aim of learning how the youngest working generation views personal investment management. Bobsguide's very own Millennial, David Beach, takes a look. Foresight is not often associated as the strongest suit of the young. Gratification tends to be instantaneous; remember #YOLO... read more

Can fintech deliver the personal touch in banking?

15th November 2017

Humans are social creatures. We crave interaction and attention. We like to be treated as individuals and not as “a number”. For example, you feel better when you are recognised at your favorite restaurant or when you are addressed by your name when flying on a plane or when a hotel receptionist says “welcome back”. We all... read more

Does PSD2 lack the infrastructure to be enforced until 2019?

13th November 2017

Company: bobsguide
Market uncertainty, a lack of necessary infrastructure and enforced regulatory standards means that the revised European Payment Services Directive (PSD2) may not be actively enforced until mid-2019. “There is a misconception that PSD2 will hit hard in January 2018 but it doesn’t really,” Lu Zurawski, solutions... read more

Digital transformation: ING Chief Innovation Officer on the need to future-proof

9th November 2017

Company: bobsguide
Ignacio Juliá Vilar, Chief Innovation Officer, speaks to bobsguide about ING’s historic fintech roots, the bank’s strategy to stay competitive, and the plan for a PSD2 future. How do you approach innovation? We look at the three Cs - customer, culture and connection. Customer: we’re changing the shape of products... read more

Cloud native fintech or merely a hosted software solution? Five keys questions to determine the difference

9th November 2017

Company: StatPro Group
Cloud computing is changing the way we all consume and interact with technology. Whether this is at home with Netflix, or with devices such as Amazon Alexa, or at work, with cloud-based services like Office365, Salesforce or other specialist enterprise applications. In business, cloud computing is an enabler; it creates strategic change in the way... read more

Analysis of the deal: SEB's investment in Tink

8th November 2017

Company: bobsguide
Late last month Swedish fintech Tink announced that secured an additional €14m in funding to scale up its financial aggregator operation and move into new markets. The major investor in the tech company, and one its early adopters, is Nordic bank SEB. bobsguide sat down with Rasmus Järborg, Chief Strategy Officer, SEB, and Daniel... read more

Countdown to PSD2: What you should know ten weeks from implementation

8th November 2017

Company: bobsguide
#PSD2FinishLine recently started trending on Twitter. As the country slowly grows in excitement throughout the month of November, with the C-word on the tip of their tongues and supermarkets vying for the best TV advert, banks look to the new year nervously. Even if they’re prepared. Even if they’ve got the architecture in place or have... read more

What US and European financial services can learn from Alipay

1st November 2017

Company: bobsguide
Alipay, China’s leading third-party payment platform, aims to simplify the way consumers pay. Operated by Ant Financial Services Group, the fintech has already amassed incredible popularity; the platform boasts over 520 million active users in China, is accepted in more than 30 countries worldwide and has over 200 domestic financial... read more

Why financial institutions need more women to build banking services for women

31st October 2017

Company: Monitise
In the 1960s and 1970s - just a generation ago - the consensus among banks was that women were riskier customers than men. In fact, when Barclays introduced the first British credit card in 1966, the majority of successful applicants were men. This was because in those days, women had to get their father or husband to sign for most loans, even if... read more