Join the Community

22,731
Expert opinions
43,879
Total members
369
New members (last 30 days)
193
New opinions (last 30 days)
28,928
Total comments

Innovation in Financial Services

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

Bo Harald

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

The ice-hockey effect now with organisation wallets

Most of use here have seen how nothing much happens - even if it should - then nothing much happens, then nothing much happens, then nothing much.. and then all of a sudden the burst of adoption. For my part in e-banking starting in the early 80s, e-mail, mobile phones, SMS-messaging, mobile banking, e-id-services, e-invoicing, e-salary, mobile ...

/ai /identity

Aymeric Monod-Gayraud

Aymeric Monod-Gayraud Co-Founder at LoanTube

FinTech is Empowering the Subprime Borrower

When it comes to consumer loans, a significant portion of the population finds itself cast adrift by traditional banks and lenders. Underserved by institutions that prefer to deal in tidy risk assessments rather than inconvenient complexities of unique spending habits, these individuals are slapped with the “subprime borrower” label due to past fi...

/retail /inclusion

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Avoid the Generic Digital Banking UX: How to Stand Out in a White-Label World

What if every car brand sold the exact same vehicle produced in the same factory, just with different logos slapped on the hood? You’d go to different car dealerships and ask yourself: Why pick one over the other they are all the same? While the badge might be different, the car itself would look and drive the same, and consumers would struggle to ...

/retail /identity

Bo Harald

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

A lively mixed search on the dance floor is about to begin

The shiny new parquet of the data dance floor – the EU's trust infrastructure – is now extensively exciting. A large group of enthusiastic, well-groomed women and men have pedaled to the dance hall on tandem bikes. Many of them work in the public sector and many in the traditionally trust building banking sector. They have all seen that the front...

/ai /identity

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Why One-Time Digital Banking App Redesigns Fail

A frequent scenario I encounter as a UX expert in the financial sector is this: a financial executive overwhelmed by the digital transformation wave, asks, "How much does it cost to design a mobile banking app?" Underneath this question lies a critical misunderstanding. It’s not just about cost—it’s about creating a continuously evolving...

/retail /devops

Bo Harald

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

How often should you doubt?

If the person or organization, you encounter on the net is the one she/he/it claims to be? If the person – once recognized - has the right to act on behalf of an organization or another person? If a certificate, statement, permission, power of attorney the person or a robot present is real and still valid? If your own data can be sent to a service ...

/retail /identity

Jack Land

Jack Land Head of Marketing & UK Growth at MetaWealth

What’s In Store for Real-World Assets in 2025

The tokenisation of real-world assets (RWAs) is gaining serious momentum in 2025, with industry experts predicting that $50 billion in total RWA on-chain value will be reached this year. Converting ownership of real-world assets such as bonds, real estate or commodities into digital tokens on a blockchain enhances liquidity and transparency. Finan...

/wealth /crypto

Bo Harald

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

Reposting e-invoicing letter to Santa.. should write him about wallets next..

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first wish is a book - more precisely a handbook. We namely wrote a letter to the EU Commission in July and asked for Equal Treatment of paper and e-invo...

/payments /retail

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The Underestimated Role of Digital Brand Identity in Financial Services

Customer-centered product design plays a crucial role in building trust for modern financial companies and banks. Research from Frontiers in Psychology shows that attractive product designs positively impact consumer behavior, making users feel more favorable toward the product and the brand. However, customer trust goes beyond just aesthetics or ...

/retail /identity

Venkatesh P

Venkatesh P Co-Founder and Director at Maveric Systems

Quick-Win AI Strategies for Banks

Over the last two years, there has been significant buzz around the potential of GenAI and the various platforms and tools that have emerged in the market. However, we have not seen the same level of buzz around successful implementations, barring some examples of incremental progress. Only 2% of organizations in financial services are considered ...

/ai /retail

Now Hiring