Joris Lochy Product Manager at Intix | Co-founder at Capilever
PFM, BFM, Financial Butler, Financial Cockpit, Account Aggregator… - Will the cumbersome administrative tasks on your financials finally be taken over by your financial institution? 1. Introduction Personal Financial Management (PFM) refers to the software that helps users manage their money (budget, save and spend money). Therefore, it is oft
28 August 2019 /retail Personal Finance
1. Introduction "Open" has recently become a new buzzword in the financial services industry, i.e. open data, open APIs, open banking…, but what does this new buzzword really mean? "Open" refers to the capability of companies to expose their services to the outside world, so that external partners or even competitors can use th...
13 August 2019 Open Banking
1. Introduction Digital Investment Advice Tools (also called IATs, Robo-Advisors, Automated Investment Advisors, Digital Investment Managers or Digital Wealth Management Tools) play an increasingly important role in the world of investment advice and wealth management. These tools are already in use for decades in wealth management firms (often in...
30 July 2019 /retail Innovation in Financial Services
1. Introduction The financial services sector is evolving rapidly: increasing and changing customer expectations, a radical shift towards digital channels (mobile), a tsunami of new regulations (PSD2, GDPR, MiFID2, Dodd-Frank act…), new technological evolutions (e.g. IoT), increased competition of FinTech players… These rapid evolutions force ba...
17 July 2019 /security Digital Identity Management
Cyber-attacks are all over the news! From ransomware to phishing, farmware, malware and cryptojacking up to DoS attacks. It seems as if the internet has been transformed to the Wild West. Combine this with our ever stronger dependency on the internet for our day-to-day life and it’s clear that cyber-security should be on the top of the agenda of ev...
05 July 2019 /security /regulation Trends in Financial Services
In all industries, there is a trend towards personalization. Clients want a product or service that is personalized to their needs and don’t accept anymore to pay for all kinds of whistles and bells, which they never use. The current pricing model of many digital companies is a (monthly) license/subscription model, where you get a pre-defined packa...
18 June 2019 /payments Payments strategies 2015-2020-2030
Banks struggle to evolve to the changing customer needs and expectations and to introduce latest technologies. In a world where cost, time to market and flexibility are key business drivers, it is painful to see that the time and price for implementing changes in banking applications has increased compared to 10 years ago. This lack (and drop) of ...
23 May 2019 Banking Strategy, Digital and Transformation
The dream of any product manager in the Financial Services sector has always been to come up with an idea for a new (or improvement on an existing) financial product or service in the morning and have it implemented in the afternoon. Unfortunately the harsh reality is that Unfortunately the harsh reality is that adapting the IT solutions typically...
07 April 2017 /startups
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