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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Digital Transformation in Banking: Get Rid of Illusory Expectations to Avoid Failure

The term "digital transformation" has become a buzzword in the banking sector, its popularity doubling over the past year, according to Google Trends. There are 114 million results in Google Search, and financial institutions boast about their revolutionary approaches, their seamless integration of cutting-edge technology and their forw

/retail /devops

Dirk Emminger

Dirk Emminger Managing Director at knowing finance

Utilization / Ownership of Channels and Changes Driven by AI (A01)

The Transformation of Banking: From Exclusivity to Open Systems In the 1990s, it was a given: the services we used from banks belonged exclusively to the banks. Every transaction, every account inquiry, every loan was processed through the designated channels of the banks. However, over time, this picture began to change. Initially, commission-b

/ai /retail

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Ready for Takeoff? What Boeing Struggles Reveal About Digital Banking

What do bank customers have in common with two NASA astronauts who were recently stuck in space for 8 months instead of 8 days? At first glance, not much. But if we dig deeper, the issue goes beyond a malfunction in Boeing’s Starliner capsule. NASA made a tough call on August 24, 2024: it was too risky to bring two astronauts, Butch Wilmore and S

/ai /predictions

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Interconnecting organisations and citizens on the path to EUDI2

The European Union has now almost completed a massive legislation effort to promote the data driven economy. There should be no doubt that this common Trust Infrastructure is much needed in all countries and a new opportunity to take a decisive step towards a much more on a daily level concrete Single Market. It is no secret that Europe needs t...

/retail /identity

Dirk Emminger

Dirk Emminger Managing Director at knowing finance

We Think of AI Only as Optimization – But What If AI Fundamentally Changes Banking?

Introduction to an AI Series with 8 Articles A different view on AI is needed In the banking sector, as of summer 2024, artificial intelligence remains largely in the background, or, when in use, mainly within operations and occasionally in innovation labs. When AI does play a role in the front-end, it is typically in presentation rather than i...

/ai /retail

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

The UX Playbook for Financial Services: 15 Design Strategies Every Bank or FI Can Use

Financial product owners face unique challenges that require staying ahead of the curve with innovative design strategies. Financial services must not only be efficient and user-friendly but also align with business goals and regulatory requirements. The key to success lies in mastering design concepts that enhance user experience, streamline cont...

/retail /devops

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

Stop Overloading Banking Apps and Try Thinking Like Apple

Many financial companies believe that packing their apps with countless features and the latest technology will attract and retain users. However, this approach could result in the opposite effect, driving users away due to overwhelming complexity. The true key to user retention is not more copycat features, but a more simplified, user-friendly ex...

/retail /devops

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Dear member states. Action is all

The European Union has - as most of us know - made a massiv effort for the Trust infrastructure needed for the data driven economy. Small wonder when it has been understood how enormous the benefits will be for productivity, security, services to citizens and enterprises, privacy, ethical AI and the Single Market. But - now as we should realise ...

/retail /identity

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

How Much Does Best UX in Banking Cost and Why

The design of financial services is a labyrinth of complexity, regulations and high stakes. Despite the allure of high-profile projects and substantial budgets, even the most skilled designers often hesitate to delve into this demanding sector. The primary reason? The consequences of design flaws in financial services can be catastrophic, ranging ...

/retail /devops

Alex Kreger

Alex Kreger Founder and CEO at UXDA Financial UX Design

AI in Banking: Are Banks Ready for the User Experience Revolution?

The integration of AI into banking is poised to dramatically transform the industry within the next five years, driven by the breakthrough success of technologies like ChatGPT. This change is necessitated by the limitations inherent in human capabilities. As we gaze into the future, the disruptive potential of AI becomes evident, promising to revo...

/ai /retail

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