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

Shared finance - A gap in the industry

In Retail banking most account flows are relatively easy, as usually there is only 1 account holder and in the rare case there are multiple account holders each account holder has full access rights to the account. This contrary to business banking, where much more complex mandate rules are in place. Unfortunately this simplicity in Retail banking,...

26 December 2022 /people /retail Banking and Lending Solutions

ESG - Don’t make it a hollow marketing term

ESG is a hype in many industries and the financial sector is no exception to that. But due to this hype, it also becomes difficult to understand what is exactly meant with ESG. Today it has become such a marketing buzz-word that any activity not directly related to making profit is put under the denominator of ESG. Time for a small recap therefore...

14 December 2022 /sustainable Social Banks

The financial sector boundaries are blurring

The time that banking and insurance services were the exclusive domain of the financial services sector and vice-versa that banks and insurers were only focusing on pure banking and insurance services (like payments, cards, investments, credits and life and non-life insurance products) is long gone. With customers becoming more and more demanding ...

10 November 2022 /retail /predictions Fintech World

Every neobank its own niche

In some of my previous blogs (cfr. "Is a new bank consolidation wave inevitable?" - https://bankloch.blogspot.com/2021/03/is-new-bank-consolidation-wave.html and "Neobanks should find their niche to improve their profitability" - https://bankloch.blogspot.com/2020/12/neobanks-should-find-their-niche-to.html) I already shared my...

18 October 2022 /retail /startups Fintech, you get me!

Digital Finance Summit 2022 - A recap

Last week I had the pleasure again to attend the yearly Digital Finance Summit (DFS) in Brussels (organized by Fintech Belgium). As each year, this was a super-interesting and fully-packed day of interesting panels, keynotes and networking, allowing to get a good update of what’s living in the Fintech scene in general and in the Fintech scene in B...

11 October 2022 /sustainable /startups Fintech World

Fintech in Belgium - A country with unexplored potential

Belgium is unfortunately not (yet) a hot spot of Fintech in the world. Contrary to our surrounding countries from which several Fintech Unicorns have emerged (e.g. Qonto, Alan or SpenDesk in France, Revolut, Monzo and Starling Bank in the UK, Mollie, Adyen and Bunq in the Netherlands or Trade Republic, N26 and Solarisbank in Germany), Belgium unfo...

19 September 2022 /startups /markets Fintech World

Bring order to the Fintech chaos

The word "Fintech" has become such a hype and such a widely used term, that it can actually mean anything today. Therefore when people ask for trends in the Fintech industry, this becomes harder and harder to answer, as anything even remotely associated with financial services can be linked to Fintech. Additionally traditional financial ...

06 September 2022 /inclusion /markets Fintech World

Refunds - A bigger problem than you would imagine

Every business has to deal with refund requests. As there is (at first sight) no business added value in processing these requests (to the contrary they only cost money), very few companies invest in a fluent and efficient process for dealing with them. This in contrast to the standard check-out process, in which significant investments are done t...

25 July 2022 /payments The Payments Business

Helicopter money 2.0

With the Covid crisis (nearly) behind us, there has been a strong focus by governments worldwide on stimulating consumption in order to revive the economy as quickly as possible. This is needed in order to reduce public debts, which have exploded during the pandemic. This revival has however been so intensive, that it has led now to historically hi...

18 July 2022 /payments /inclusion Bigger than Technology

Next generation of Deals

There is a clear trend with the young generation to be averse of credit cards. They have seen from their parents what a too high usage of credit cards can lead to and at the same time feel that credit cards are complex and lack transparency. The rise of BNPL is a clear consequence of that, i.e. these companies provide a different means to the same ...

29 June 2022 /payments /retail Trends in Financial Services

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