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Retired Member

Retired Member 

Fintechs are democratising access to a new era of payments visibility

As anyone involved in product development will tell you, the push towards instant, more transparent cross-border payments is growing stronger with every day that passes. SWIFT’s ‘Global Payment Initiative' (gpi) is one of the more recent innovations that has real potential in helping businesses realise this goal. By connecting every party in the p...

/payments Payments strategies 2015-2020-2030

Retired Member

Retired Member 

What banks can learn from platforms like Clubhouse (CH)

The pandemic has fuelled the gig economy in ways we have not seen or experienced before. As individuals think about career prospects, the ending of furlough, and the natural downsizing agenda that firms follow when the climate becomes challenging, personal income diversification becomes front of mind. According to the FSB … "at the start o...

Retired Member

Retired Member 

Is ‬hyper-personalization of loans a new opportunity window for FinTech?

The classical approach of targeting clients on the loan market is to sell the loan product based on communicated parameters. Banks display features of the products as a primary acquisition driver. They usually compete in speed of the approval process, interest rates, flexible duration. However, the world around us and customer needs are changing s...

/retail /startups Fintech

Retired Member

Retired Member 

The EU’s New ESG Disclosure Rules Signal Direction for the Future

The EU’s new Sustainable Finance Disclosure Regulation (SFDR) regulations are here, and they signal future change for the rest of the world. The Sustainable Finance Disclosure Regulation, considered by the European Commission as the basis of their action plan on sustainable finance, came into effect on 10th March 2021. Aiming to trigger behavio...

/regulation

Retired Member

Retired Member 

B2B payments: The real digital revolution no one’s talking about

The surge in digital payments brought on by the pandemic is already well storied. Almost anyone who’s bought something in the last year can attest first-hand to the rise in e-commerce and contactless payments. But let’s be clear, this is not a sudden transformation. The critical digital infrastructure for consumer payments was laid over the last d...

/payments Payments strategies 2015-2020-2030

Retired Member

Retired Member 

How tech-enabled finance will accelerate the transition to net zero carbon emissions

On the path to global net zero carbon emissions, the finance industry is a key driver while technology is an enabler of sustainability. To make meaningful progress to mitigate climate change, the global finance industry needs technology to mobilize investments and quantify climate risk. Financiers also must adopt collaborative, secure and trusted ...

/sustainable Going green

Retired Member

Retired Member 

Work From Home: Risks and Regulations for the Age of Hybrid Work

Remote or hybrid working is the new norm, but it can be a bit of a nightmare for compliance officers. As the UK emerges from lockdown many businesses are going back to work. However, this is not a complete return to normal. Business has changed. It is going “hybrid” with many people expecting to work from home at least part of the time. According...

/regulation

Retired Member

Retired Member 

Platform banking: the fastest route to digitalisation post-Covid

Big, traditional banks are not perceived to be at the forefront of innovation, but they get there eventually. Incremental change, however, is unlikely to be a winning strategy in the uncertain new playing field created by Covid-19. It is already clear that traditional lenders must take urgent strides towards digitalisation to build resilience in a...

/retail /wholesale Banking Strategy, Digital and Transformation

Retired Member

Retired Member 

Flexible to Invisible: The future of credit and debit cards

There are over 163 million payment cards in circulation in the UK, including credit, debit and commercial cards (b2b). These payment instruments are the main staple for banks, as everyday usage drives volume-based income for these institutions. Cards is also a significant growth market for financial services providers, as transaction volumes cont...

/payments

Retired Member

Retired Member 

How the uptake of as-a-service offerings is redefining finance

Disruption is continuing to play out in financial services. In fact, 2020 was the year when the market capitalization of the top four payment companies, including PayPal and Square, eclipsed the market cap of the big six banks on Wall Street. Over the last ten years the total market value of banking and payments provided by traditional banks has d...

Banking Strategy, Digital and Transformation

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