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Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

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Joris's opinions

Financial Institutions as Partners for Life-Altering Events Like Buying a Home

Life is full of significant milestones that often occur just once or twice in a lifetime. These milestones—while life-changing—are also highly complex to manage from both an administrative and financial perspective. The challenge stems from their unfamiliarity, as most people only experience them a handful of times. As a result, the process is n

29 October 2024 /retail /startups Banking Strategy, Digital and Transformation

Building Wealth for Everyone: How Banks Can Democratize Recurring, Low-Cost, Long-Term Investing

Active investing is challenging, often yielding less-than-desired results for the average investor. While professional investors with access to advanced tools, up-to-the-minute market information, and complex models might occasionally beat the market, for most of us, that’s a near-impossible feat. The efficiency of markets today means that any pu

21 October 2024 /wealth /retail Fintech

Behind the Scenes: How Banks Handle Payment Claims and Disputes

Payment claim handling is a crucial process within the financial sector, ensuring that all monetary transactions are accurate, legitimate, and properly accounted for. Despite its significance, this activity remains largely invisible and underappreciated. Very few articles are written on LinkedIn or other specialized content platforms about this t

07 October 2024 /ai /payments Payments strategies 2015-2020-2030

From Data to Decisions: The Journey of Data in Analytics

"Data is the new gold" is a quote often heard, especially in the financial services industry. This sector deals with enormous amounts of extremely valuable data about their customers and handles purely virtual products or services. Thus, data is an essential part of the financial services business. While the value of data is undeniable,

23 September 2024 /ai /startups Analytics in Banking

AI's Journey in Banking: Beyond the Initial Wow Effect

Since the launch of ChatGPT in late 2022, there has been a global surge in interest in AI, particularly in generative AI. Millions of dollars in venture capital are pouring into AI startups, and any tech company not incorporating AI is seen as outdated. AI has become essential not only for obtaining funding but also for securing customer interest

09 September 2024 /ai /predictions Artificial Intelligence and Financial Services

Belgium’s Capital Gains Tax Proposal: The Complexities Beneath the Surface for the Financial Service

Belgium is currently in the midst of forming a new government, a process known for its length and complexity. As we face yet another challenging government formation, a significant debate has emerged around the introduction of a capital gains tax on profits from the sale of equities that are currently untaxed in Belgium. The proposal suggests a t

02 September 2024 /regulation /retail Financial Services Regulation

The Next Big Shakeup in European Banking: From Local Giants to Pan-European Titans

At the turn of the millennium, the European banking industry underwent significant consolidation - a process where financial institutions merge or are acquired, resulting in fewer but larger banks with greater market share. Notable examples from that period include: Belgium: CERA, Kredietbank, and ABB Insurances merged into KBC in 1998. In

26 August 2024 /retail /predictions Banking Strategy, Digital and Transformation

Building Resilience: Safeguarding Financial Services in the Digital Age

In July of this year, the world was shocked by a major IT incident caused by an update from the cybersecurity firm CrowdStrike. A wrong patch led to a global IT outage, affecting 8.5 million Windows devices and causing the cancellation of more than 5,000 commercial airline flights. This incident also impacted hospitals, media, and banks, resultin

13 August 2024 /payments /devops Financial Transformation

Keeping Cash Flowing: The Complexities of Bank Cash Logistics

In recent years, the usage of physical cash (notes and coins) has been on a notable decline worldwide, with significant reductions projected for the near future. According to the "Global Payment Report 2014," cash usage in various countries is expected to see substantial drops by 2027 compared to 2019. For instance, India is anticipated ...

29 July 2024 /payments /inclusion Financial Supply Chain

Fraud Prevention 2.0: How Neo Banks Are Setting New Standards

Preventing fraud is a major concern for every financial institution. Banks, in particular, must ensure that only the rightful account owner accesses their account and that no incorrect payments are made. This involves tackling issues such as identity theft, accidentally misdirected payments, and Authorised Push Payment (APP) fraud. While a few yea...

15 July 2024 /security /crime Exposing Financial Crime

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