Join the Community

23,902
Expert opinions
40,635
Total members
401
New members (last 30 days)
203
New opinions (last 30 days)
29,253
Total comments

Latest expert opinions

clear
clear
Joris Lochy

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

Why Passive Portfolios Thrive—and Where Advisors Still Add Value

In recent years, passive investing has gained significant popularity, particularly through low-cost, well-diversified ETF (Exchange-Traded Fund) portfolios. In Belgium, the term "hangmatbeleggen" (Dutch for "hammock investing," referring to this relaxed investment approach) was even named the word of the year in 2024. This sty

/wealth /retail Banking

Joris Lochy

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

Payment Fraud Exposed: Top Techniques and How Financial Institutions Respond

Payment fraud (i.e. the unauthorized or deceptive use of stolen payment information to obtain money, goods, or services) remains a major challenge for financial institutions. With new regulations requiring banks to compensate fraud victims, fraud prevention has become a top priority. However, fraud techniques are evolving rapidly, often outpacing

/regulation /crime Exposing Financial Crime

Joris Lochy

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

Safe vs. Bold: The Branding Dilemma in Fintech

A few weeks ago, my LinkedIn feed was flooded with opinions on Jaguar’s rebranding. Faced with declining sales, the iconic automaker decided to reinvent itself with a radical new identity: a sleek, modern logo without the signature jaguar, an audacious pink color palette and advertisements aimed at younger, diverse audiences. While I am neither a

/people /startups Fintech World

Joris Lochy

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

Central banks dominate headlines worldwide as they exercise immense influence over the global econom

Central banks dominate headlines worldwide as they exercise immense influence over the global economy. Using various monetary tools — such as adjusting interest rates, conducting open market operations or employing quantitative easing — central banks aim to steer their economies toward stability and growth. Despite their critical role, many remai

/payments /regulation Innovation in Financial Services

Joris Lochy

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

Redefining Money: Trust, Technology and the Future of Currency

As our world becomes increasingly digital, the concept of "currency" or "money" continues to evolve and grow more complex. Historically, currency was introduced to streamline trade. Rather than exchanging goods directly — a process with many practical challenges — currency served as a widely accepted intermediary. In its early

/payments /predictions Payments strategies 2015-2020-2030

Joris Lochy

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

The Path to Exit of a Fintech - Maximizing Value for Founders and Investors

As a founder launching a Fintech startup, it’s unlikely you’ll build it into a multi-generational family business. Most tech startups rely heavily on external investor funding, where investors, without emotional ties to the company, typically plan for an eventual exit aligned with their investment timeline. This reliance on external capital often

/startups Fintech innovation and startups

Joris Lochy

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

Valuation Essentials: Framework for Fintech Pricing

For a fintech start-up or scale-up, valuation is crucial. It plays a significant role in major financial events such as sales, mergers, funding rounds, or employee stock option plans. Essentially, valuation determines the price assigned to a business at a specific point in time. For instance, during a funding round, it dictates how many shares an

/startups /predictions Fintech

Joris Lochy

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

Fintech on the Move: Payments, AI, and Regulation at DFS 2024

Last Friday, I had the opportunity to attend the Digital Finance Summit in Brussels, an annual fintech conference organized by Fintech Belgium. It was a packed day of networking, reconnecting with old acquaintances, and attending insightful keynotes and thought-provoking debates. Clearly, the Belgian fintech scene remains vibrant, delivering exci

/regulation /people Banking Strategy, Digital and Transformation

Joris Lochy

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

Designing User-Friendly Overview Screens: Best Practices and Key Features

In software development, we often find ourselves reinventing the wheel—particularly when dealing with higher-level abstractions. As I mentioned in my blog "Unlocking Business Value: Moving Beyond Low-Level Programming", while open source has reduced redundancy at the technical level, user interfaces continue to see many foundational pat

/payments /retail Business Knowledge for IT

Joris Lochy

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

From Days to Seconds: The Push for Instant Cross-Border Payments

Domestic payments have become increasingly instant in recent years, with countries like India (UPI) and Brazil (PIX) leading the way. Today, instant payments—24/7 transactions completed within seconds, often at little to no cost—are available in over 70 countries, with rapid adoption expected to continue. ACI Worldwide reported that real-time pay

/payments /regulation Payments strategies 2015-2020-2030

Now Hiring