Latest opinions that Thomas Pintelon has shared on Finextra

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Thomas Pintelon

Head of Strategy

Capilever

Member since

13 Jan 2017

Location

Brussels

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Thomas's opinions

Are banks ready for the Corona emergency measures imposed by governments?

Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people and businesses overcome a period of low to zero income, which completely breaks their predicted liquidity forecasts. Such a shock in liquidity can ev...

26 March 2020 /covid-19 Digital Banking, Mortgages and Savings

Are credits not too commoditized?

Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. Incumbent providers are still trying to convince customers with product-differentiation slogans that they offer the best reliability or the greenest electricity. ...

25 February 2020 /retail Financial Risk Management

The best way to regain your customer’s trust

After the late-2000s (2007-2008) banking crisis, trust of consumers in the banking sector reached an all-time low. While bankers were perceived as a trusted and respected personal advisor a few decades ago, this image has significantly deteriorated, with a steep drop following the financial crisis. Recent years banks have regained some of the trus...

29 January 2020 Financial Risk Management

Can banks help to fundamentally redefine our notion of trust?

Trust is the glue that holds society together. Historically we trusted people in our local community. Later this evolved to a centralized trust in large corporations and institutions, but recently this has shifted towards a more distributed trust, meaning that we sometimes need to place our faith in complete strangers. With a growing number of onl...

21 November 2019 Financial Risk Management

Being unique is not enough - how to assess the impact of a new banking solution

Repeating and improving what others have successfully done is a great and proven way to be successful when starting a new business. You're more or less sure about the relevance of the solution that you're building, and you can be innovative in your approach to some extent, but you're probably far from being unique. Automating the online demand proc...

24 October 2019 /devops Innovation in Financial Services

Banks that can help reduce financial risks in a user-friendly way can compete with any Tech player

Banks are technology companies with a banking license ! This claim and similar claims can be read more and more in articles on trends in the financial services sector and is often used as an argument that banks will soon be replaced by Fintechs and Silicon Valley tech giants. It is certainly true that IT is crucial for a bank and its importance ca...

24 September 2019 Financial Risk Management

How collaboration with specialist providers can boost bank innovation

Bank offerings and customer expectations are evolving fast. For each specific client need, specific solutions need to be built, requiring lots of investments, IP and expertise. To keep up, banks can’t afford to reinvent the wheel every time. Therefore they are opening up, and welcoming the win-win collaboration with specialist third parties that c...

03 September 2019 API

Why lending against your investments is perfectly compatible with daily banking and PFM & BFM

Today’s bank customers want a fluent, end-to-end experience. Unfortunately most online and mobile banking platforms are still very silo organised, with typically modules for Daily Banking, Investments, Credits and Insurances. Even though this reflects very well the internal (IT) organisation of the bank, customers prefer to have a more customer-or...

18 July 2019 Innovation in Financial Services

How liquid asset based lending brings benefits to both banks and their customers

Imagine you have a short-term cash need [university fees for your kids] but you do have some long-term bonds in your investments portfolio. Wouldn’t it be great if your bank allows you to temporarily block these assets and get a short term loan facility to bridge the gap? Lending against liquid assets that customers hold within their bank, is an u...

21 June 2019 /retail Innovation in Financial Services

Democratizing asset based lending and how banks can protect themselves from systemic market risk

In this blog we investigate the potential risks linked to democratizing asset based lending to a larger retail and SME audience. In principle, when customers lend against their (liquid) investment assets at the bank, the scoring of the credit can be done on an objective basis, based on the valuation of the assets blocked by the bank. Therefore a bi...

29 May 2019 /inclusion Innovation in Financial Services

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