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Joris Lochy

Is a new bank consolidation wave inevitable?

Before the financial crisis (especially in the 90s) it seemed that the banking landscape was strongly consolidating, resulting in a handful of Tier-1 (often international) banks in every country. Afte...

10 Mar 2021
Trends in Financial Services
Joris Lochy

Calculation engines in Financial Services - A key differentiator in the business strategy

All business processes in the banking industry contain quite some specific business logic. Rather than coding this aggregated in one business application, it is wise to setup separate components for t...

22 Feb 2021
Banking Strategy, Digital and Transformation
Joris Lochy

Gamification - A good idea for a serious topic like financial services?

In today’s world, companies need to fight hard for consumer’s time and attention. For financial service companies this is no different. As financial services are often perceived as boring and complex,...

17 Feb 2021
Innovation in Financial Services
Joris Lochy

Universal trends - Common over all industries?

The last few years I have done quite some market studies for potential new business ideas, mainly in the Fintech, banking and insurance industry, but also in the IT, FoodTech, horeca and mobility sect...

27 Jan 2021
Trends in Financial Services
Joris Lochy

Can the digitalization of money provide more innovative monetary tools to governments?

Due to the Covid crisis, we have arrived in a major global recession. Not only were there the enormous impacts on the economy of the (semi) lock-downs, but consumption dropped also enormously as consu...

18 Jan 2021
Payments strategies 2015-2020-2030

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