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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.

Shailendra Malik

Shailendra Malik SVP - Tech Delivery (Enterprise Search) at DBS Bank

Internal Audit: In the age of AI

Innovation and tech advancements are hitting the market at a breakneck speed. All companies are either trying to leverage the AI, Chat-Bots, ML or any form of new models available in the market or even they're trying to make their own. With this comes additional challenges. Security is a big concern. No ML / AI model will work without empirical da...

/ai /regulation

Rune Sørensen

Rune Sørensen Product Manager at Nets A/S

Why the Nordic Banks Outsource Card Processing

The Nordic countries constitute the most advanced and digitally ready payment market in Europe, and one of the most advanced in the world[1]. The penetration of card, contactless card and mobile payments is high, and the race to be the world’s first cashless country is essentially a competition between Norway, Sweden, Finland and Denmark. One of t...

/retail

Priya Lakshmi

Priya Lakshmi Digital Leader at Own

Towards an endogenous regulation - with AI and Blockchain

When I concluded my final project report for the Warwick Business School Executive MBA last year, one of the summary points was that financial services regulators would soon need to start looking at ‘technology as law’ and would need to write laws and policies to govern this change. Regulations would become endogenous rather than reactive as the...

/ai

Retired Member

Retired Member 

IOT-fueled Connected Commerce - thru the lens of the Payments Industry

Digital commerce has crossed its chasm of adoption and it is now part of the strategy for all major financial institutions to create an omni-channel environment for their end-customers. As the entry-barrier stands at its lowest ever level, nimble technology players are increasingly becoming the partner of choice for merchants and consumers for the...

/payments

Ron Delnevo

Ron Delnevo Chair at UK Cash Supply Alliance

A Vision of a Smart Future for UK ATMs

Which? has issued a report that claims the Big 5 Banks in the UK are closing their branches at the rate of 60 a month. If this is true, it will not be the run-rate of closures for long. Barclays,HSBC, Lloyds Banking Group, RBS Group and Santander have only around 5000 branches left between them. A 60 per month closure rate implies they will all be ...

/payments

Kannan Amaresh

Kannan Amaresh Senior VP & Global Head - Insurance at Infosys

Innovation Imperatives for Insurers in the Digital Age

Even a casual look into the history of insurance reveals its rapid evolution over the last decade - from a slow-paced and highly regulated industry, to one consumed with technology transformation. Till recently, insurers have grappled with challenges of engaging millennials, managing investments, simplifying systems, improving combined ratios, and ...

/ai

Bo Harald

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

Seamless access to data in digital Europe

Eminent article by Markus Hautala - head of Blockchain Solutions at Tieto "Any thriving economy depends on the availability and free movement of skilled labour, products and services. Data has for centuries been an integral element in facilitating the movement of these assets. For the casual observer, it might seem that – thanks to the inter...

Anthony Walton

Anthony Walton CEO at Iliad Solutions

TSB And How the Industry Needs to Rethink Testing and Migrations

Nobody should rejoice in the problems faced by TSB in its migration to the Sabadell system. TSB’s customer base has suffered, the bank’s reputation has been hammered and, inevitably, fraudsters have taken advantage of the situation. Alongside the problems faced by TSB and its owners, the industry as a whole has suffered. Every time this sort of ...

/retail

Kunal Patel

Kunal Patel Product Manager at 1E

Creating the perfect chatbot

The world has gone chatbot crazy, certainly there is still a lot of focus on ‘virtual assistants’, as some people like to refer to them as. They are essentially used to mimic human speech where a human would be required via a messaging interface. As someone who closely works within the financial services industry, automation is certainly one of th...

/ai

Retired Member

Retired Member 

Flexing to keep-up: Building the client strategy around a consistent and smart CRM ecosystem

Any organisation future is at risk – the average life expectancy of a company collapsed from 75 years in the mid-1950s to 15 years today. More than 200 years ago, Charles Darwin concluded that is not the strongest nor the smartest species that survive but those that best adapt to change. It is even more valid in today’s world: disruptive transform...

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