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Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Net Zero Banking: How can Technology Help Banks Achieve Net Zero Goals?

There are a growing number of high street and digital-first challenger banks investing in net zero banking, including HSBC, Barclays and Kroo, and for good reason. Now more than ever, customers expect their banks to place more focus on sustainability. According to Deloitte’s Better Banking Survey, 71% of customers are more likely to choose a bank...

/payments /devops Going green

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Innovation in Banking: Harnessing People and Technology

Go to the websites of the big High Street Banks and you come across pages devoted to innovation and technology. That’s no surprise when banks have sped up their digitisation programmes following COVID and the changing behaviour of customers. There’s a lot to celebrate and lots of evidence of banks breaking down barriers on the technologies they’ll...

/payments /devops Innovation in Financial Services

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Automation and the future of banking operations

Resilience and adaptability are key to delivery of excellent service levels in operations, as these features can make or break the delivery of new products and services. When it comes to building resilience, modern agile software that harnesses automation is key, as it gives banks real-time visibility into important processes and allows them to be...

/regulation /devops Digital Bank Transformation

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

The Impact of Digital-Only Banks on the Traditional Banking Industry

Digital banking has boomed over the last few years, yet cross-selling and switching has not substantially shifted. According to PWC, less than “10% of UK customers with mortgages, personal loans or insurance held them with their main banking provider”, and according to comparison site Finder, over a quarter (27%) of British adults have opened an ...

/retail /inclusion Innovation in Financial Services

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Cost of Living Crisis: How Can Banks Show Customers They Are Trusted Partners?

From the current geopolitical landscape, it is clear we are in a period of instability and unpredictability, and one which we won’t likely see the back of any time soon. From war in Europe, to continued supply chain disruptions in China as a result of COVID lockdowns, there are a variety of factors contributing to rising inflation and the cost of ...

/people /retail Artificial Intelligence and Financial Services

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

KYC: How banks can comply with history-making sanction rollouts

It is not just interest rate changes and inflation banks have had to contend with so far this year – ensuring Know Your Customer compliance is up to date has had to be a key focus. Since the invasion of Ukraine on 24 February 2022, in just four months, there have been eight updates to the UK government’s guidance on the UK’s sanctions regime relat...

/payments /regulation Digital Bank Transformation

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

The future of banking is environmentally sustainable

As COVID-19 prompted people to think about their impact on the planet, banks have reviewed their approach to environmental, social & governance (ESG) with fresh eyes. KPMG’s 2021 ESG risks in banks report notes there is increasing demand from investors for sustainable products, as well as growing pressure from regulatory bodies to consider ESG...

/payments /sustainable Going green

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

Voice AI: how it can be used to reduce fraud

Voice AI has the potential to revolutionise how banks reduce fraud and speed up the resolution of fraud claims. There is agile software on the market with integrated voice AI capabilities, creating opportunities that will allow banks to tackle crime, maintain regulatory compliance and improve customer service. While voice AI is still in its early ...

/retail /predictions Artificial Intelligence and Financial Services

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

What’s Next for Travel Payments and Trade post Omicron?

There’s no doubt that both Omicron and the crisis in Ukraine are having impact on both travel and trade. Global trade, payments and expenditure patterns both for retail and corporate clients will continue to shift rapidly. No predictions here on global politics or pandemic mutations, but I think it is clear where we are headed on both cash and dig...

/payments /covid-19 Frictionless Payments

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

AML must get a tech boost in 2022

Banks seem to struggle on applying anti-money laundering controls, despite their obvious determination to not break the law and support initiatives to stop criminal activities and terrorist funding. Even the biggest banks have problems, as the UK’s financial regulator reported in December 2021. The regulatory pressure to focus on know-your-custom...

/identity /crime Law and Finance

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