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

A frictionless check-out experience, what does that actually mean?

In today’s design of (software) solutions, providing a frictionless user experience is (and should be) a top priority within every organization. While payments have already gone through a major evolutioneliminating much of the frictions (from cash payments to card payments up to contactless card payments and mobile payments), the entire checkout pr...

06 April 2020 /payments /retail Payments strategies 2015-2020-2030

A bank account - A concept of the past

Almost every recent article written about banking starts with the statement that the banking industry is being disrupted by new competitors, new innovations and new technologies. Although this statement is definitely true, the extend of the disruption can still be debated. Even the most innovative neo-banks still work with bank (current, saving, te...

23 March 2020 /retail Electronic Bank Account Management

Budgeting apps - A red ocean looking for a market

In August 2019, I wrote a blog post on PFM tools called "PFM, BFM, Financial Butler, Financial Cockpit… - Will the cumbersome administrative tasks on your financials finally be taken over?". Since then, driven by the go-live of PSD2 and Open Banking APIs, numerous Fintechs are developing new solutions acting as your personal financial b...

08 March 2020 /retail Innovation in Financial Services

Digital signature - There is no such thing as THE digital signature

In the current digital world, we are continuously digitally transacting with companies all over the world. Each transaction leaves a digital trace, allowing the company (in case of litigation) to prove you, as the user, have explicitly accepted the transaction. However, as you have probably noticed while surfing on the internet, confirming a trans...

24 February 2020 /security Digital Identity Management

Financial inclusion - A word with many meanings

In recent years, the usage of the term "Financial Inclusion" has risen exponentially. As with any buzzword, it is used and misused by many companies to boost their corporate image and get support from different governments (e.g. subsidies). As with so many buzzwords, the term has become so much overloaded, that it now encompasses a wide ...

10 February 2020 /sustainable /inclusion Financial Inclusion

Banks are finally embracing the Open Source movement

Historically banks have been hesitant to adopt open source software (i.e. software where source code is shared and made freely available). With traditional vendors like IBM, TIBCO, Oracle… strongly positioned in this industry, the move to open source has been slow. In recent years, forced by a rapidly changing business, banks are transforming the...

27 January 2020 Innovation in Financial Services

PSD2 - 10 questions requiring an answer - Here is a shot on an answer.

A bit more than 3 months ago, I submitted the blog "PSD2 - 10 questions I would like to see a clear answer on" (https://www.linkedin.com/pulse/psd2-10-questions-i-would-like-see-clear-answer-joris-lochy/), raising 10 questions around PSD2, on which I was searching an answer on. Via different channels, I got requests of many people, that ...

16 January 2020 /payments SEPA and European Payments

Can financial service incumbents bridge the technology gap?

Worldwide, the evolutions in technology are accelerating exponentially. Almost every day, new technologies are discovered, and new products are released. This trend will accelerate even more, as: People all over the world are becoming more educated, allowing more people to participate in the advancement of science and technology Companies realiz...

07 January 2020 Fintech

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