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Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Payment contact management - Room for innovation

Executing payments has evolved considerably over the last years. While 25 years ago most payments were done by filling in a paper form, today almost all payments are initiated digitally via a web or mobile banking platform. Together with this digitalization came also a whole eco-system of toolsto further simplify these digital payments (not conside...

/payments /retail The Payments Business

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Innovation is key to solve climate issues - part 3 - The IT and Tech sector as change enabler

This blog is the last article in a series of 3 blogs on how climate issues can be solved through a worldwide roll-out of technological innovations. This last blog focuses on how the IT/Tech sector can help in facilitating the transition towards climate neutrality. Just like the Financial Services sector (see blog 2 - https://bankloch.blogspot.com/...

/sustainable Sustainable compliance

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Innovation is the key to solve our climate issues - part 1 - Introduction

Disclaimer: this blog is not directly associated to the financial services and Fintech sector, but as it forms an introduction to a 2nd and 3rd blog, which are indeed related to these sector, I have published this blog nonetheless also on the Finextra platform. My apologies to people considering that this blog is off-topic for this platform. The...

/sustainable Sustainable compliance

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

From app to super-app to personal assistant

In July of this year, KBC bank (the 2nd largest bank in Belgium) surprised many people, including many of us working in the banking industry, with their announcement that they bought the rights to broadcast the highlights of soccer matches in Belgium via their mobile app (a service called "Goal alert"). The days following this announceme...

/retail Open Banking

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Manage the new jungle of your subscriptions - Banks and Fintechs should step up to the challenge

With more and more companies switching from transaction-based consumption to subscription-based solution models and customers (both consumers as businesses) actively adopting this trend, the management of these subscription services becomes more and more difficult. Very quickly you start accumulating a lot of different subscriptions, which are aut...

/payments /startups Innovation in Financial Services

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Marketplace analytics - Stop running your business blindly

Marketplaces are emerging in every sector and the financial sector is no exception to this trend. For every product or service, for which multiple parties interact, marketplaces unfold to better match the supply and demand and improve the cooperation between the involved parties. Marketplaces have however unique dynamics, due to their multi-facial...

/startups /markets Banking Strategy, Digital and Transformation

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Fintech is dead, long live Fintech

The word Fintech (short for "Financial Technology") was first recorded in the 1980’s in the Sunday Times. However it was only until the financial crisis of 2007-2008, that the usage of the term became more widespread. The resulting lack of trust in the traditional financial system inspired many tech-entrepreneurs to create new start-ups ...

/retail /startups Fintech innovation and startups

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Monetization of a marketplace in the financial industry - Make your idea profitable!

Marketplaces are on the rise! A digital marketplace is an online platform, where different third-parties connect and supply and demand can be matched. This supply/demand can be a specific product or service, but can also facilitate a full customer journey, by matching products and services of multiple vendors for each step of the journey (e.g. a c...

/startups /markets Innovation in Financial Services

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Low- and No-code platforms - Will IT developers soon be out of a job?

“The future of coding is no coding at all” - Chris Wanstrath (CEO at GitHub). Mid May I posted a blog on RPA (Robotic Process Automation - https://bankloch.blogspot.com/2020/05/rpa-miracle-solution-for-incumbent.html) on how this technology, promises the world to companies. A very similar story is found with low- and no-code platforms, which also ...

/devops Banking Architecture

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Marketplaces in the financial industry - Here to stay?

Marketplaces are hip and trendy on the internet and will likely evolve even more in the near future. In some markets (like food delivery, transportation, commerce, holiday…​) they already represent double digit market shares (e.g. in 2018 $1.86 trillion was spent globally on the top 100 online marketplaces), but for the financial services sector, ...

/devops /markets Open Banking

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