Latest opinions that Hans Tesselaar has shared on Finextra

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Hans Tesselaar

Executive Director

BIAN

Member since

03 Nov 2011

Location

Amsterdam

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Hans's opinions

Changing payments landscape

The banking and payments landscape is changing at a great pace. Increasing consumer demand for quick and easy access to accounts has led to greater reliance on technology for banks and consequently innovations such as electronic invoicing, mobile payments and e-commerce are developing at breakneck speed. According to Juniper Research, the value o...

18 November 2013 /payments

Inefficiencies and inadequacies - the tricky, techy truth

Our banks run on enormously complex IT systems. This is not new information – much has been said of the challenges facing banks as these archaic systems struggle to answer the pressures of a modern banking industry. After all, most banking platforms were developed in the 1960s and 1970s – consider how consumer technology has evolved in this time a...

30 October 2013 /retail

Banks and start-ups: collaboration is the name of the game

Banks have long been trusted to care for our money, and for good reason. These highly skilled organisations have centuries of experience in the development and evolution of financial products and custody of our assets and, bar the odd bump, have served society well. As financial instruments, and customer expectations have evolved, and the markets ...

03 October 2013 /retail

Who's afraid of the big, bad bank?

We are now five years on from the Credit Crunch of 2008 and the scars of past bank instability can still be seen. As such it is unsurprising that policymakers are now looking at new solutions for securing the future stability of the banking system. For a number of governments one potential method is the splitting of banks into good and bad. It is ...

25 September 2013 /regulation /retail

The importance of an industry model for central banks

The benefits of having a simple structure, easily navigable for both processors and humans in a bank’s architecture are a boon not only to each individual bank, but the bodies that oversee them as well. No matter what the good intentions and solid reasons behind a piece of regulation in the financial sector, there is always the risk it will be met ...

20 August 2013 /retail

Challenging the Channel

Banks are currently spending 45% of their IT budget on updating channels. This is according to a new whitepaper from Sudhir Varadarajan of software service provider, Tech Mahindra. This equates to spending approximately 3-4% of overall bank revenues on updating branches, ATMs, customer service centres and multi-channel integration, as well as onli...

08 August 2013 /regulation

Teaching old dogs new tricks

Once again the spotlight is on the UK’s banking industry and the need for greater competition. George Osborne used his annual Mansion House speech to renew his commitment to promote more competition in retail banking; while a report from the Parliamentary Commission on banking standards also came out this week, looking at the state of banking comp...

04 July 2013

Vendors and open IT standards: what's in it for them?

Much has been said of the benefits of open standards in banking IT. The introduction of open standards will reduce IT costs and improve banks’ flexibility to develop new and innovative products, which will generally improve bank competitiveness in an ever-changing market. It is increasingly accepted by the banking community then that banks have mu...

27 June 2013 /retail