Open Banking, Open Data and Financial-grade APIs

whitePaper | July 15, 2022

BNPL has grown rapidly as a lending product for consumers over the last few years. The idea of paying for purchases over time through a few interestfree payments is highly appealing to customers. BNPL firms have rapidly grown revenues as product adoption has increased. Most of this growth is led by fintechs while banks have been trying to play catch-up. Arguably, banks have lagged behind because fintech firms have been able to use their tech advantage to appeal to a wide consumer base and have reduced friction in the customer lending journey. However, industry experts also admit that a lot of this performance disparity may be due to regulatory arbitrage. Large banks face higher scrutiny when compared to fintechs and nonbanking lenders on policies, processes, and analytical strategies.

whitePaper | December 13, 2019

Capital markets firms today need to do more with fewer resources, which is in part because of the changing dynamic between the buy side and sell side. These firms are turning to digital transformation, realizing in this regulatory landscape that it’s the best way to transform their business while saving time and money.

whitePaper | December 18, 2022

With the ever-growing interest in the Fintech industry and its constantly changing environment, it is worth keeping on track of the critical trends, opportunities and challenges in the Fintech industry. We conduct an annual market survey that shows how players in the industry expect the market to evolve.

whitePaper | April 1, 2023

“Banking is necessary; banks are not,” said Bill Gates in 1994. As financial services become increasingly embedded into everyday life, the truth of this statement has never been clearer. Customers are increasingly accessing financial services through channels other than the bank. Embedded finance is changing the banking landscape and is expected to have an estimated market value $138 billion by 2026, according to Juniper Research.

whitePaper | October 3, 2022

By taking advantage of today’s technologically advanced world, there are many opportunities for financial institutions to innovate and enhance customer experience, beginning with building meaningful and authentic connections with customers. Exceptional customer engagement is an important component of quality customer experience as a whole, it directly impacts the way in which your customers interact with your organization. While a negative customer experience, such as an unpleasant interaction with customer service representatives or failure to accommodate a customer’s urgent needs, can easily tarnish the reputation of your financial institution (FI) and detract from the entire customer experience. Consequently, it is important that FIs not only seek out new ways to communicate with customers, but also exceed their expectations entirely.

whitePaper | April 14, 2021

So what will 2021 - and beyond - bring us in FinTech innovation? Central Bank Digital Currencies? - perhaps - but some would argue that most currency is already digital: how much physical cash did you handle in the last year? And how much was transacted by digital money transfer, real-time payments, card transactions, mobile wallets… Does money actually exist? The news is full of how multi-million-pound artworks can now be represented by ‘non-fungible tokens’ which represent ‘digital’ but not physical ownership of the artworks.