Joris Lochy Product Manager at Intix | Co-founder at Capilever
The last few years we have been overwhelmed by PFM tools and account aggregators, giving us insights in our financial situation, like our spending habits, sources of revenue or forecasts of our expected future cash flows. While those tools are definitely useful, they still require quite some effort of the user and even more self-control of the user...
05 April 2022 /retail Banking and Lending Solutions
On a yearly basis billions of euros are donated to charity. This is done in all forms, i.e. from companies or individuals sponsoring charity events, to buying items of charity organizations all the way to the most easy form of donating directly money via a credit transfer or direct debit. Although this results in enormous money transfers, the cust...
11 January 2022 /sustainable Social Banks
Last week I had the chance to attend the yearly "Digital Finance Summit" conference in Brussels. After a pure digital event last year, the event was a hybrid event this year, which allows to network in a much more effective way. Such conferences are always an excellent way to get inspired and take a step back from your daily work to get ...
09 December 2021 /startups /predictions Fintech innovation and startups
BNPL (short for "Buy Now Pay Later") is a hot topic in the Credit space. The recent funding round of Klarna (one of the most known BNPL players on the market) of $639 million at a valuation of $45,6 billion makes it Europe’s most valuable startup and shows that investors predict continuing exponential growth for this service. This antici...
26 July 2021 /retail /startups BNPL
At my current company Monizze, we issue social vouchers, like meal, eco and gift vouchers. These vouchers are consumed using a specific Monizze payment card via a physical terminal. As a result, I come into contact with card payments on a daily basis. Unfortunately, I am still far from being a card expert, but along the years I can say I have buil...
21 June 2021 /payments Frictionless Payments
NFTs are at the moment a real buzz. The word NFT stands for non-fungible token, which means a unique, irreplaceable cryptographic object. It aims to manage ownership of digital content (digital collectible items) by storing the ownership in the form of a digital certificate on a blockchain (usually on the Ethereum blockchain, but other blockchains...
09 June 2021 /wealth /crypto Blockchain Observations
Treasury management or more generally Supply Chain Finance management is still a neglected topic at many SMEs. While large international corporations make the investment into expensive treasury management solutions (often part of their ERP solution) and even setup their own In-House Banks, this is considerably more difficult for the mid-corp segmen...
01 June 2021 /payments The Payments Business
A very hot topic at the moment are the so-called CBDCs, short for "Central Bank Digital Currencies". These are the recent reply of central banks to the continuing success of crypto-currencies like Bitcoin and Ether(eum). After the unsuccessful attempts of several governments to restrict or even ban these crypto-currencies, there is more ...
26 May 2021 /payments /inclusion Cryptocurrency Insights
Expressions like "Data is the new oil" are already becoming a cliché on social media, but there is still a lot of truth to them. Obviously with customer centricity and hyper-personalization increasing, data gets more and more value. However just like raw oil, data in its raw form has little usage. It needs to be cleaned, filtered, struct...
18 May 2021 /retail Data Management and Governance
The ultimate goal of every software product is to convert inputs(provided by end-users or automatically received from external systems) into valuable outputs (insights). This is typically done via processing logic (= algorithms), which transform a number of inputs in a set of outputs. Based on my experience these process-logic components can be div...
03 May 2021 /devops Banking Strategy, Digital and Transformation
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