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Digital Banking trends and Industry Intelligence for Bankers, Fintechs, and Solutions Providers
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Barrie Wilkinson
. . . that is the question for digital challenger banks. If you look at the revenue breakdown of a traditional retail or commercial bank, 80%+ of the revenue comes from the net interest margin (NIM) on loans and deposits. And in Europe with the NIM on deposits being close to zero, this means that the vast majority of revenue comes from lendi
24 June 2019
Purely digital expertise is too easy to clone and almost impossible to maintain as a source of competitive advantage. Today’s post argues that banks will need to combine their physical and digital capabilities to create a sustainable advantage and a re-invention of the bank branch is the right place to start. My basic idea is to have banks make al...
12 June 2019
Retired Member
The Customer Communications Management (CCM) industry has been around for some time especially in Financial Services. Born out of a need for companies to be able to produce compliant, yet highly personalized communications, enterprises invested in platforms that allowed them to produce mission-critical business and customer communications at MASSI...
17 May 2019
Pankaj Upadhyaya Vice President - Data Science, BI & Analytics at Maveric Systems
Globally, banking M&A market is showing signs of improvement with 41 percent of companies intending to pursue acquisitions. The value of M&A deals in the Middle East region jumped to $33.7 billion last year, the highest level since 2007 as per Bloomberg research. While in the European market, M&As have stagnated with changing regulator...
14 May 2019 /regulation
Andrew Beatty Head of Wealth, Retirement & International at FIS
Commercial Banking is a highly profitable customer segment for global and large regional banks, and a key growth strategy for community and smaller regional banks. New challenger banks are also turning up the heat on traditional brick and mortar banks, as they are starting to attract business customers to their digital only banks. As a financial p...
09 May 2019
Corporate Treasurers face the same opportunities and challenges as other executives. They're in a position to make a direct impact to their company's profitability, especially with their role gaining prominence after the financial crisis. Along with increased responsibilities, Corporate Treasurers struggle with the challenges of scarce human resou...
07 May 2019 /payments
Harnessing the power and potential of AI in regulatory compliance for financial services can give banks a competitive advantage in today's data-centric world. Let's see some practical examples. Here are three primary and practical ways that Artificial Intelligence use cases can be applied to best capitalize on the value, power, and potential of nex...
30 April 2019 /ai /regulation
Continuing our recent theme of helping big complex companies to increase their agility, today I’m going to talk about some practical steps banks can take to simplify their technology architecture to make future change easier to manage. To be clear, I’m not talking about building a new bank in this post, I’m talking about simplifying the technology...
30 April 2019
These top 4 trends of AI in regulatory compliance for financial services can give banks a competitive advantage in today's data-centric world. Innovative technologies leveraging Artificial Intelligence (AI) empower the automation of regulatory compliance and business processes; analysts view this type of automation as a top trend for financial inst...
25 April 2019 /ai /regulation
Banks’ attempts to “digitize what they have” isn’t going to work. They need to massively reduce the scope and complexity of what they are involved in first. Then digitize. Then grow. Banks are like Cruise Ships Traditional banks have a lot in common with large cruise ships. They have lots of passengers who have to date been largely happy to stay on...
17 April 2019
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