Latest opinions that Chris Holmes has shared on Finextra

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Chris Holmes

Senior Vice President

KAE Consulting

Member since

06 Dec 2018

Location

London

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Chris's opinions

Will tech giants ever fully penetrate the financial services space?

While FinTech start-ups have been showcasing their rapid dynamism and proving themselves to represent a real threat to traditional financial institutions, in recent years, and even months, it has become increasingly difficult not to address the elephant in the room. Big tech companies such as Amazon and Google, have been dipping their toes into th...

09 December 2019 Trends in Financial Services

Using AI in the fight against fraud

Financial services providers have been using Artificial Intelligence (AI) and machine learning for a range of operations, including credit underwriting and conversational banking. However, one use case that has emerged as a priority for the industry is linked to the better management and prevention of fraud. Reports of fraudulent activity in 2019 ...

23 October 2019 /ai /security Artificial Intelligence and Financial Services

Will stablecoins be able to sail into the mainstream?

The main barrier for cryptocurrencies earning mainstream use has been the volatility of their value; frequent news stories of Bitcoin’s value falling significantly over a short space of time no longer cause any kind of surprise. A key driver for the volatility in cryptocurrency markets is the fact that many cryptocurrencies derive their value from ...

11 October 2019 /payments Banking Strategy, Digital and Transformation

Status Check: Real-Time Payments in the US

During the past months, the Federal Reserve’s Faster Payments Task Force has made huge steps towards the implementation of a faster payments / real-time payments system in the US. As a result, the Fed’s RTGS (Real Time Gross Settlement) system is said to be ready to launch in 2020. Immediate loan availability, mobile payments, real-time invoicing ...

30 May 2019 /payments /regulation Financial Services Regulation

LatAm: The New Kid at the FinTech Table

LatAm is not traditionally considered a popular region for FinTech developments. With major headlines being hogged by China’s FinTech giants, America’s booming VC investment and the growth of open banking in Europe, it’s not hard to see why LatAm struggles to get a look in. But is the lack of attention justified, or is this region flying under the...

20 May 2019 /payments Fintech

The rise and fall of P2P lending in China

When contemplating FinTech in China, Alibaba and Tencent – among the world’s largest FinTech disruptors – will most likely be at the forefront of discussions. With market capitalizations of around half a trillion US$, the two tech giants account for over 90% of mobile transactions in China (through Alipay and WeChat Pay). However, mobile payments ...

10 April 2019 /regulation Asia Financial Services

South Korea, a FinTech Hub-To-Be?

The neutral status quo The current situation in South Korea is what you might call “meh” for FinTech start-ups. It is not the worst place to set up when looking to offer financial services to a more tech-aware audience; but neither is it on par with the region’s high-performers Singapore and Hong Kong. This is something the South Korean government...

05 April 2019 Asia Financial Services

Biometric payments at the tip of your fingers

The word biometrics is derived from two Greek words – bio meaning “life” and metrics meaning “to measure”. Biometrics are thus biological measurements, often used in automated methods, to recognize a person based on a physiological or a behavioural attribute. In this blogpost I will explore the topic of biometric authentication in relation to paym...

01 April 2019 /payments Biometrics

Digital Banks - Business Models

Amongst the multitude of digital-only banks that emerged recently in Europe, the big five (Monzo, N26, TransferWise, Revolut and Starling) have developed a remarkable customer base, with their popularity ever increasing. Given their short history and the maturity of the industry they operate in, this is some achievement. While looking at it from t...

07 February 2019 Digital Banking Trends

Digital Banks - Value Propositions

There is little doubt that mobile is an increasingly popular channel to manage finances as 2018 saw 61% of smartphone owners in Europe using mobile banking apps, an increase from 2017’s 48%. Therefore, it comes as no surprise that tech-focused start-ups are also attempting to offer a more streamlined, mobile-focused experience. In this blog we wil...

30 January 2019 Digital Banking Trends