DIGITAL ASSET WHITEPAPER

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.

whitePaper | March 21, 2022

Even after migrating key business processes to the cloud, companies can trip themselves up by continuing manual management of high-volume reconciliations, complex journal entries, and other financial close and accounting processes. This error-prone approach reduces accuracy and visibility, risking business agility and regulatory compliance.

whitePaper | May 24, 2022

Trends in customer demand, technology, and regulation drive the development of an open financial ecosystem in which the consensual sharing of customer data among financial institutions (FIs) and businesses creates new value for consumers and business users. This Aite-Novarica Group report analyzes this trend and the evolution from open banking to open finance and to a truly open economy. The report is based on interviews with executives from banks and fintech firms in Europe and North America.

whitePaper | April 14, 2022

The expectations today's customers have towards personalized digital banking are directly impacted by their experience across other industries such as eCommerce, healthcare, gaming, retail, etc. This is particularly true across emerging markets in Africa, such as Kenya, South Africa, Ghana, Nigeria, and Egypt, where increased mobile penetration has created an obsession among customers for customized digital experiences, forcing institutions to align their offerings towards this trend.

whitePaper | February 22, 2023

Today’s consumer is smart, tech savvy and mobile friendly with digital sources of information at hand. The upcoming fintechs and non-banking startups pose a challenge to the way traditional banks operate, while customer expectations evolve sooner than they are documented. On the other hand, as the understanding of technology improves, banking customer demographics change with customers expecting for more sophisticated experiences.

whitePaper | May 23, 2023

In May 2020, the European Banking Authority (EBA) published new guidelines on loan origination and monitoring that represent a demanding set of regulations aimed at enhancing banks’ lending processes from the point of underwriting to ongoing monitoring throughout the loan life cycle. Implementing these guidelines has significant implications for systems, data management and internal processes.