Latest opinions that Joris Lochy has shared on Finextra

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Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

View Joris Lochy's full profile

Joris's opinions

The partnership manager - A new key role in every bank and Fintech

Thanks to Open Banking, embedded banking and banks positioning their apps as super-apps, the financial sector becomes more and more an ecosystem of parties collaborating together to execute upon a customer’s journey and needs. As a result, more and more banks and Fintechs sign partnerships with other financial players and players from other industr...

29 March 2021 /people /startups Open Banking

Are product silos in a bank inevitable?

Silo thinking is often frowned upon in the industry. It is often a synonym for bureaucratic processes and politics and in almost every article describing the threats of new innovative Fintech players on the banking industry, the strong bank product silos are put forward as one of the main blockages why incumbent banks are not able to (quickly) rea...

19 March 2021 /people High performing teams

Is a new bank consolidation wave inevitable?

Before the financial crisis (especially in the 90s) it seemed that the banking landscape was strongly consolidating, resulting in a handful of Tier-1 (often international) banks in every country. After the financial crisis, many specialists predicted that due to the rising costs for compliance and lower revenues due to low interest rates and increa...

10 March 2021 /retail /predictions Trends in Financial Services

Calculation engines in Financial Services - A key differentiator in the business strategy

All business processes in the banking industry contain quite some specific business logic. Rather than coding this aggregated in one business application, it is wise to setup separate components for this logic. These components we will refer to as financial engines in this blog. Usually these engines can be quite easily isolated, as they receive a...

22 February 2021 /devops Banking Strategy, Digital and Transformation

Gamification - A good idea for a serious topic like financial services?

In today’s world, companies need to fight hard for consumer’s time and attention. For financial service companies this is no different. As financial services are often perceived as boring and complex, many banks and insurers have difficulties to engage with their customers (especially now that contacts have become more and more digital). Obviously...

17 February 2021 /retail Innovation in Financial Services

Universal trends - Common over all industries?

The last few years I have done quite some market studies for potential new business ideas, mainly in the Fintech, banking and insurance industry, but also in the IT, FoodTech, horeca and mobility sector. Such an exercise typically starts with identifying the trends in the market, i.e. how the market is evolving, as this is key to ensure your busine...

27 January 2021 /predictions Trends in Financial Services

Can the digitalization of money provide more innovative monetary tools to governments?

Due to the Covid crisis, we have arrived in a major global recession. Not only were there the enormous impacts on the economy of the (semi) lock-downs, but consumption dropped also enormously as consumers are worried of getting infected while shopping, don’t like the shopping experience due to the different sanitary measures or they prefer to incr...

18 January 2021 /payments Payments strategies 2015-2020-2030

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