Join the Community

22,238
Expert opinions
44,206
Total members
424
New members (last 30 days)
214
New opinions (last 30 days)
28,750
Total comments

Latest expert opinions

clear
clear
Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

The state of security in digital banking

As a founding principle in the creation and subsequent evolution of banks, the importance of security cannot be understated. It is this importance that has led banks to develop a range of industry-leading security measures to ensure the financial safety and protection of their customers. As time and technology has evolved, so too has the means wi...

/retail /crime

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Brits not letting apprehension put them off AI banking

Despite customers’ concern about banks using AI, they still want to make the most of opportunities the technology offers the banking sector, new research finds. The new research focuses on the innovation led by artificial intelligence (AI) and how it is affecting the experience of the modern banking customer. As we continue to witness the ongoin...

/retail Artificial Intelligence and Financial Services

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Banks are much more than just 'museums of technology’

Anthony Jenkins, founder of 10X Banking, recently discussed the state of modern banks and how they could be considered "museums of technology". Whilst it is true that many banks could benefit from improvements to their digital infrastructure, the statement does not capture the entirety of the situation. One could compare banks, especial...

/retail

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Time for banks to provide better clarity to their customers whilst abroad

In the second part of this blog, I examine how banks can improve their offerings for customers travelling abroad. Whilst traditional banks may think that consumers use neobanks abroad and then return to their traditional bank once home, the research paints quite a different picture. It indicates that 18% now use their neobank as their main current...

/retail Banking

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Do banks need to provide better clarity and support to their customers whilst abroad?

Whether it is spending money whilst on holiday, sending cash to friends or relatives in foreign countries, or making payments during business trips abroad – bank cards are no longer used for domestic purposes only. The pace of change in the way we spend money in foreign countries has been exponential. Only a decade ago, consumers relied on transfer...

/retail Banking

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Majority of consumers feel anxious checking banking apps as cost-of-living challenges bite

It’s safe to say the economic challenges facing banking customers have only been exacerbated in recent weeks and months. The UK has officially entered recession, the cold winter months have meant the cost of energy is squeezing household finances more than ever and wider cost-of-living challenges continue to impact consumer spending. As a result o...

/retail

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Banks high in customer satisfaction but low in trust - can they improve and why do they need to?

The spread of digitalised services for banking has grown omnipresent. Banks expanded their services into online support and digital banking services as the rise of fintech and challenger banks sparked innovation sector-wide. These services have increased customer satisfaction concerning traditional institutions, however, consumer trust remains low...

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Are you ready for open finance?

Like its predecessor open banking, open finance aims to promote competition among financial providers, drive digital innovation and promote new, open, data-driven services. The ultimate beneficiaries are customers who should enjoy greater access to enriched and tailored products and favourable pricing models customised for the individual’s needs. ...

/regulation /retail Banking Strategy, Digital and Transformation

Richard Kalas

Richard Kalas Client Solutions Director for Retail Banking at GFT Group

Will banks disappear in the future?

Some people are pointing to the disappearance of the global financial services system as we have known it. The incursion of new players is even leading people to talk about the end of banking. It is difficult to predict what banking of the future will be like or what role traditional institutions will play in the new world order, but it will certa...

/retail Banking Strategy, Digital and Transformation

Now Hiring