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

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Joris's opinions

Account Portability in Banking: Complex, But Not Impossible

In the telecom world, number portability has long been a reality. You can switch mobile providers without losing your phone number — a change that radically transformed the industry. It made switching carriers seamless, eliminating the hassle of informing contacts about a new number. This one innovation significantly boosted customer mobility and

14 April 2025 /payments /predictions Banking Strategy, Digital and Transformation

The EU AI Act and Financial Services: How are Financial Institutions impacted?

On August 1, 2024, the European Union’s AI Act came into force—the world’s first legal framework regulating artificial intelligence. Designed to balance innovation and risk, this regulation introduces a series of staggered compliance deadlines, with most provisions becoming fully applicable by mid-2026. However, some prohibited AI uses, such as r

07 April 2025 /ai /regulation Artificial Intelligence and Financial Services

From Startups to Banking Giants: Are Neobanks the New Incumbents?

Neobanks — also known as digital-only banks or challenger banks — are at the forefront of financial innovation. By leveraging cutting-edge technology, they offer seamless, customer-centric services without the overhead of traditional banking infrastructure. Gaining traction in the early 2010s, particularly in Europe and the U.S., neobanks have rap

31 March 2025 /retail /startups Fintech World

Loyalty in Retail Banking: More Than Just Sticking Around

In retail banking, loyalty is often misunderstood. A truly loyal customer is not just someone who has stayed with a bank for a long time — it is someone who actively engages with the bank’s products and services and has a strong emotional connection to the brand. Such customers do not just remain with the bank; they advocate for it. They willingl

17 March 2025 /retail Fintech, you get me!

Fighting Financial Crime Together: The Role of Data Sharing

Financial crime continues to evolve at an alarming pace. Despite significant investments in advanced detection techniques, only a small fraction of these crimes is detected and stopped. Research highlights that as little as 1% of illicit financial flows are intercepted, leaving a staggering 99% to slip through the cracks. This is a strong reminde

10 March 2025 /regulation /crime Exposing Financial Crime

The Generative AI Revolution: A Profound Transformation in Financial Services

Generative AI (GenAI) remains one of the most transformative forces in technology today, capturing imaginations and redefining industries with unparalleled speed. While traditional AI has excelled in analysis and automation, GenAI is a newer force, capable of creating sophisticated content that mirrors human creativity. This innovative technology

24 February 2025 /ai /predictions Artificial Intelligence and Financial Services

The Innovator’s Dilemma in Financial Services: A Decade of Fintech’s Evolution

A few weeks ago, I was discussing the challenges facing the Belgian company Agfa-Gevaert with colleagues. Once a cornerstone of the Belgian economy as a leader in photographic materials, the company now faces the repercussions of declining sales. Over the next three years, it plans to cut nearly 530 jobs. Agfa-Gevaert’s struggles symbolize a broa

17 February 2025 /startups /predictions Financial Transformation

Bitcoin’s Scarcity and Inflation Resistance: A Safe Haven or a Risky Gamble?

Cryptocurrencies have become a polarizing topic, with passionate supporters and critics each holding strong opinions. Regardless of where one stands, it’s hard to deny the technological marvel that underpins these digital assets. Cryptocurrencies present a compelling alternative to traditional currencies, as demonstrated by the growing interest f

10 February 2025 /payments /crypto Bitcoin payments

Why Passive Portfolios Thrive—and Where Advisors Still Add Value

In recent years, passive investing has gained significant popularity, particularly through low-cost, well-diversified ETF (Exchange-Traded Fund) portfolios. In Belgium, the term "hangmatbeleggen" (Dutch for "hammock investing," referring to this relaxed investment approach) was even named the word of the year in 2024. This sty

03 February 2025 /wealth /retail Banking

Payment Fraud Exposed: Top Techniques and How Financial Institutions Respond

Payment fraud (i.e. the unauthorized or deceptive use of stolen payment information to obtain money, goods, or services) remains a major challenge for financial institutions. With new regulations requiring banks to compensate fraud victims, fraud prevention has become a top priority. However, fraud techniques are evolving rapidly, often outpacing

27 January 2025 /regulation /crime Exposing Financial Crime

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