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Joris Lochy

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

Fighting Financial Crime Together: The Role of Data Sharing

Financial crime continues to evolve at an alarming pace. Despite significant investments in advanced detection techniques, only a small fraction of these crimes is detected and stopped. Research highlights that as little as 1% of illicit financial flows are intercepted, leaving a staggering 99% to slip through the cracks. This is a strong reminde

/regulation /crime Exposing Financial Crime

Joris Lochy

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

The Generative AI Revolution: A Profound Transformation in Financial Services

Generative AI (GenAI) remains one of the most transformative forces in technology today, capturing imaginations and redefining industries with unparalleled speed. While traditional AI has excelled in analysis and automation, GenAI is a newer force, capable of creating sophisticated content that mirrors human creativity. This innovative technology

/ai /predictions Artificial Intelligence and Financial Services

Joris Lochy

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

The Innovator’s Dilemma in Financial Services: A Decade of Fintech’s Evolution

A few weeks ago, I was discussing the challenges facing the Belgian company Agfa-Gevaert with colleagues. Once a cornerstone of the Belgian economy as a leader in photographic materials, the company now faces the repercussions of declining sales. Over the next three years, it plans to cut nearly 530 jobs. Agfa-Gevaert’s struggles symbolize a broa

/startups /predictions Financial Transformation

Joris Lochy

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

Bitcoin’s Scarcity and Inflation Resistance: A Safe Haven or a Risky Gamble?

Cryptocurrencies have become a polarizing topic, with passionate supporters and critics each holding strong opinions. Regardless of where one stands, it’s hard to deny the technological marvel that underpins these digital assets. Cryptocurrencies present a compelling alternative to traditional currencies, as demonstrated by the growing interest f

/payments /crypto Bitcoin payments

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

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