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Trends in Financial Services

A community to discuss the future of financial services and any other interesting trends, strategies, ideas, views.

Gavin Scruby

Gavin Scruby CIO at SmartDebit

Does Open Banking mean the end of card payments?

The first generally useful application of Open Banking is here in the UK. While it will be some time yet before it gets much use, new organisations soon will be able to initiate payments between bank accounts on a consumer’s behalf. This creates a new layer between consumers and banks, hopefully spawning novel ideas and services. Moving the centre...

/payments

Jeremy Light

Jeremy Light Co-founder at Fourdotzero

Network Effects - the Forces Driving Ongoing Payment Trends

My concluding blog on trends focuses on the ongoing payment trends, those that are already strongly established and which will continue in 2018. The momentum towards a “less-cash” society increases in developed economies, including the US, Australia and Europe, primarily driven by adoption of contactless bank cards, causing reduced cash usage and ...

/payments /retail

Dennis Gada

Dennis Gada Vice President, Financial Services at Infosys

Five ways fintech is disrupting the financial services industry

Fintech is the buzzword within the banking industry. It refers to the use of technology across all financial services functions. For instance, the simple task of replacing paper-based processes with software and applications is an example of fintech at work. Previously, fintech was mainly used for back-office functions by leveraging software to hel...

/ai

Tristan Blampied

Tristan Blampied Executive Director, Payments Product at JP Morgan Chase & co

Are you ready for Pan-European Real-Time Payments?

The digitalisation of the economy has transformed how consumers and businesses purchase and pay for goods and services. With a thumbprint, a tap of the wrist, or simply a glance of the face to our phones, we pay for lunch or coffee. We are rapidly moving towards a cashless society, and purchases from our smart devices can be made anytime, anywhere...

/payments

Jeremy Light

Jeremy Light Co-founder at Fourdotzero

Payment Trends for 2018 Part 2 - Growing Trends

My blog last week covered New Payment Trends that I expect to become established this year. This week I focus on Growing Payment trends, those that are already evident and likely to strengthen in 2018. Growing Trends Propositions using PSD2-compliant APIs will appear gradually. Expect bank and Fintech applications such as account aggregation and p...

/payments

Retired Member

Retired Member 

Impact Of Artificial Intelligence And Machine Learning on Trading And Investing

Investing and trading are activities that can benefit quite a lot from automation. In fact, using artificial intelligence and machine learning can be very handy here, to the point where you can easily replace many human tasks with automated, repeated tasks that can be performed by machines. Can artificial intelligence and machine learning impact ...

/ai

Retired Member

Retired Member 

Basic Bookkeeping and Working With an Accountant

If you are looking to keep your business organized and profitable, bookkeeping plays a huge role. To flourish in business, you must have a substantial knowledge of financial management, no matter how skilled you are at creating products, providing a service or marketing wears. Otherwise, you would lose money faster than you made them if you do not...

/inclusion

Retired Member

Retired Member 

PSD2: An innovation springboard for banks

Whilst we’re only a few days into the PSD2 era, which aims to accelerate digital disruption and reshape the financial services industry across Europe, incumbent European banks already have a clear choice to make. They can either settle for what’s to come and risk being outmanoeuvred by direct and new competitors, or actively look for opportunities...

/regulation

Retired Member

Retired Member 

The year ahead for insurtech: transformation gathers speed

As 2018 gets underway, it is time to reflect on the developments that have shaped the insurance sector over the past year and shed some light on predictions for the next twelve months. The technological innovation that has transformed insurance processes will gather speed in the coming year, leading increasing resources to be directed into the exp...

/ai

Retired Member

Retired Member 

Technology outlook for financial markets in 2018

2018 is around the corner, offering an opportunity to reflect on the previous year and look at the trends that are likely to shape the financial services sector in the coming year. Just like last year, in this article I offer five technology predictions for financial markets in 2018. 1) Cloud adoption. Cloud has been a prominent talking poi...

/regulation

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