Latest opinions that Rik Coeckelbergs has shared on Finextra

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Rik Coeckelbergs

Independent Advisor, Opinion Maker and Consultant

The Banking Scene

Member since

31 Dec 2009

Location

Brussels

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Rik's opinions

YouBank, the New Concept I Would Invest in!

I have been breaking my head on what kind of new bank I would invest in (supposing I have the money for it of course). I have read about several business plans already, however if I invest in a bank it must become a reasonable competitor towards other banks. It must be a business model that thinks ahead, looks for customers now and learned its les...

15 August 2010 /retail Innovation in Financial Services

Could This be the Holy Grail for Elimitation of Cheques?

I am not going to claim mobile payments is going to eliminate cheques at all. To be honest I was more looking for a catchy phrase to start a story of cheques and why mobile might crush the popularity of cheques maybe, for sure in some regions. As many of you know I have a group on LinkedIn, Innovation In Payments, where all kinds of payments rel...

12 July 2010 /payments /retail Innovation in Financial Services

When Will Payments Innovations Become too Hard to Follow?

This is a question I am thinking of for some period now. Innovation in payments is made for the customer... most at least! But it is all going so fast, that I wonder how long the Industry will be able to make profits out of it. Of course, as in many topics I am just a newbie asking himself some dull questions from time to time. But last week Chris ...

03 July 2010 /payments /retail Innovation in Financial Services

Where is the Universal Payments Module?

There are several terms to characterise payment systems in the way their architecture is structured. I would like to elaborate a bit on the modular payment systems. How does that work? A modular payment system is based on one central framework that is able to process different types of payments. The opposite of modular payment systems are silo-base...

19 June 2010 /payments Transaction Banking

HSBC rolls out online video consultations

I really like this kind of innovation honestly. It is cost saving, client friendly and lets banks do business on a geographically larger scale, well done HSBC! Of course this is not a new technology. OK I cannot test it, not being a client of HSBC and not living in Hong Kong either, but it sounds like a tuned skypetechnology. The basic principle I ...

01 June 2010 /retail Innovation in Financial Services

Ad-funded payments are changing the merchant business model

Trialpay surprised me this week with a couple of interesting surveys: one on the effect of Motherday on the revenue in social gaming and one on ad-funded payments. Let us start with the ad funded payments. In fact, after reading the paper it looks more like a real marketing instrument rather than a payment instrument, but nevertheless it is worth...

24 May 2010 /payments /retail Innovation in Financial Services

Market Opportunities on Biometric Payments?

As I stated in my last blog I was going to elaborate a bit more on the market opportunities of Biometric Payments these days. Through a couple of recent examples I hope to give you a better idea on how and where Biometric Payments can be a succes and what the pitfalls currently are in a business case on Biometric Payments. Last time I gave the ex...

14 May 2010 /security /payments Innovation in Financial Services

Biometric Payments for Dummies

Biometric Payments is in fact not a new technology, it has been in the payments market for years and years already! No worries people, it blew my mind as well after some documentation struggling. With this post I hope to give you all an overview of what I am talking about. For those who are not familiar with biometric payments, I hope this gives y...

03 May 2010 /security /payments Innovation in Financial Services

Who says virtual currencies aren't real?

I just read the related article on Dibspace. I thought this is the perfect incentive to start a post on virtual currencies. With the start of online gaming there was a boom of virtual currencies in the virtual market. I have experienced the one of World of Warcraft in the beginning for example. But of course there are many other examples as well. T...

19 April 2010 /payments /retail Innovation in Financial Services

Urban legends in payments

A couple of weeks ago I started to think of biometric payments, how well developped they are so far and maybe how long it will take to have it mainstream. In Belgium there are no signs of biometric payments, at least I have not seen any. So I decided to start some discussions on LinkedIn on this subject, to see if there were any biometric payment...

14 April 2010 /payments Innovation in Financial Services

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