FinTech
New Bank Strategies Require New Operating Models
May 15, 2017. It’s high time to shake up creaky structures and ways of working Disruptions in banking are pushing banks to take more explicit strategy decisions. Many banks have recognized that they need a truly differentiated strategy as the industry’s economics have...
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Remaking the bank for an ecosystem world
October 2017. Global banking-industry performance has been lackluster. Now comes the hard part: the rise of nonbanking platform companies targeting the most profitable parts of the banking value chain. The global banking industry shows many signs of renewed health. The recovery from the financial crisis...
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Fintech for the Snapchat generation
September 25, 2017. My good friend Slava of Life.SREDA has just written a book called The First Fintech Bank’s Arrival. You can buy it for 9,99$ on Amazon or download for free on www.ariv.al. He’s also shared a chapter...
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Bank Products Are Dead. "Long Live Experiences!"
January 10, 2017. Since 2005 I’ve been predicting the fundamental decline of branch banking. For almost 10 years I fought bankers who decried my assessment that branches would cease to be the most important channel in banking, to be replaced by far more efficient...
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4 banking business models for the digital age
October 13, 2016. Digitization of the banking industry is making new banking business models possible. But, it is the combination of regulation and technology that is making new business models a necessity. There are 4 strategic options open to banks, shown below. These vary in...
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Artificial Intelligence(AI) and FinTech
May 20, 2019. The speed of technological change is exponential. What was yesterday’s hot ticket quickly becomes tomorrow’s old news. We are living in the midst of a huge surge of interest and research in Artificial Intelligence (AI). It seems like every week...
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Malaysian banks’ asset quality likely to drop
March 20, 2017. PETALING JAYA: After years of improvement, the asset quality of Malaysian banks could see some deterioration with the banking system’s gross impaired-loan (GIL) ratio expected to touch 1.8% this year, although this figure is still favourable compared with their Asean...
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