�ݺ�ߣ

Devie Mohan: FinTech �ݺ�ߣs for Next Bank Europe Barcelona - Sep 22 2015

Sep 22, 20155 likes9,462 views

Banks have traditionally invested most in lending, payments and using big data, but are now increasingly focusing on improving customer experience through more interactive and customer-centric digital services. This involves updating core banking systems and implementing application programming interfaces to integrate better with financial technology partners and provide personalized financial management, payments and currency transfer capabilities powered by customer data and intelligence.

Presentations & Public Speaking

Devie Mohan: FinTech �ݺ�ߣs for Next Bank Europe Barcelona - Sep 22 2015

Devie Mohan: FinTech �ݺ�ߣs for Next Bank Europe Barcelona - Sep 22 2015

Lending, Payments and Big Data have seen
the largest investments from banks.
But that is changing.
Rest of USA

Improved customer interactivity = Better
customer centricity = Increased loyalty

CRM Core Banking
Bank Systems
APIs
FinTech Ecosystem
Payments
Currency
Transfer
PFM UI/UX
Data &
Intelligence
Treasury

Devie Mohan: FinTech �ݺ�ߣs for Next Bank Europe Barcelona - Sep 22 2015

Ad

Recommended

Artificial intelligence in financial sector converted (1)emmaelice

��

Artificial intelligence (AI) is revolutionizing the financial sector by improving customer services, credit assessments, and fraud prevention. It enhances decision-making through data-backed credit scoring, combats financial fraud by analyzing customer behavior, and provides personalized banking solutions. AI also plays a significant role in risk management by processing large data sets quickly and identifying potential issues early.

The battle for retail bank customers - Bankdagen 2010Tieto Corporation

��

The document discusses the evolving landscape of retail banking, emphasizing the importance of understanding customer needs and providing simple, user-friendly services. It outlines strategies for both incremental and disruptive innovation, highlighting trends in mobile banking and the necessity for banks to adapt to new competition and customer demands. The closing notes suggest that banks must synchronize customer interactions and embrace innovative services to thrive in a competitive market.

Why Should Banks Enhance Their Digital Customer Experience in the Novel Economy?CompunnelDigital1

��

The document highlights key customer experience statistics in the banking industry, noting a significant rise in mobile banking registrations and traffic during early 2020. It also explores generational preferences for banking services, revealing that millennials favor digital solutions like robo-advisors, while older generations prefer in-person meetings. Additionally, the document emphasizes the importance of omnichannel experiences, personalization, and customer-centric services for attracting younger consumers.

Bank digital KYC serviceSignzy

��

The document discusses how blockchain technology can revolutionize identity management in financial services by providing self-sovereign identity and reducing the operational burden on banks. It highlights the inefficiencies of current KYC processes and suggests that a blockchain-based KYC utility model can enhance client interaction while minimizing regulatory risks and fraud. Signzy is mentioned as a company that helps financial institutions transition to more efficient digital systems through AI and blockchain.

Top technological trend in wealth managementPratiksha Manan

��

The document discusses key trends in the wealth management sector, highlighting challenges like jargon and the 'advice gap' that hinder client access. It emphasizes the transformative impact of biodata, artificial intelligence, and blockchain in enhancing the customer experience and operational efficiency. Additionally, it notes the importance of collaboration between financial technology companies to better serve millennials and improve client acquisition.

Why should I give RP Data my dataPeter Bromley

��

This document discusses how real estate agents and other professionals can benefit from sharing property data with CoreLogic. Sharing data allows agents' successful sales to be recognized more quickly, fueling future valuations and lending in the area. It ensures agents receive credit for their work instead of having to wait months for government records. Not sharing data means an agent's top sales cannot be built upon and undermines their reputation, as the latest market information will be delayed or unavailable for other industry professionals to consider. While CoreLogic can collect some public data through other sources, directly sharing information guarantees it will be faster and more accurate.

BSL Fintech special / english-frenchLucile Mathe

��

1) The document discusses personal financial management (PFM) tools and account aggregation solutions, comparing client-side and server-side models. Client-side models keep customers' financial data private on their own devices while server-side models store data on third-party servers. 2) Implementing a PFM solution can increase customer loyalty and engagement for banks by providing a comprehensive view of customers' finances. This helps increase cross-selling of products and services. 3) PFM solutions benefit both customers and banks by helping customers better manage their money, save goals, and improve financial habits. For banks, PFM increases loyalty, cross-selling, and digital engagement at lower costs than other channels.

Digital Banking and Lending Solutions for CommunitiesChoiceBnq# Solutions

��

Digital lending solutions can help community banks address key challenges by migrating services to more profitable digital channels. ChoiceBnq's digital lending platform allows banks to apply for loans anywhere, get immediate decisions using robust underwriting criteria, fulfill loans digitally, and securely access analytics. This helps banks engage customers across channels at lower costs, standardize lending expenses, and potentially increase profits by 80% while launching digital services within weeks.

LoansPQ: A Loan Origination System by MeridianLinkKristina Quinn

��

LoansPQ is a leading SaaS-based loan origination software that consolidates data from various channels to provide a seamless experience in consumer and business lending. It features advanced integration capabilities with over 200 third-party vendors, enhancing workflow automation and customer satisfaction. MeridianLink aims to empower clients by providing innovative solutions that streamline loan and account origination processes.

Travel Distribution_IETS by Lim Lai HockAbacus International

��

This document summarizes key points from the Indonesian E-Tourism Summit 2011 regarding travel distributions and payments. It notes that providing more payment options can increase sales conversion by 22% and that different customers prefer different payment forms. It also discusses common problems travel merchants face with payment strategies, including a lack of strategy, time-consuming manual tracking, long times to revenue, tight cash flow, and accounting headaches. The document highlights benefits of social marketing and trends in mobile internet and smartphones driving new records in the travel industry.

Cognitive banking with expert insightsIBM Analytics

��

The document discusses the transformative potential of cognitive banking, which utilizes technologies like artificial intelligence, blockchain, and analytics to revolutionize financial services. It emphasizes the need for banks to adapt as cognitive businesses to meet the evolving expectations of digital consumers and leverage data for personalized advice and solutions. The text highlights that embracing these innovations is critical for survival and strategic advantage in an increasingly disrupted financial landscape.

The future of banking - PSD2 & UXPieter Rahier

��

The document discusses the evolution of banking in the context of digital transformation and regulatory changes such as PSD2 and GDPR. It highlights the shift from traditional banking to an open banking model, emphasizing the importance of user experience and data control for both banks and fintech companies. The future of banking will be centered on efficiency, safety, and personalization in financial services.

Pitney Bowes’ RDC Initiative – when will banks engageRobert Goldberg

��

Pitney Bowes and Jack Henry & Associates have partnered to offer remote deposit capture (RDC) called Click Deposit to small businesses. Click Deposit provides bundled scanner fulfillment, support and processing for a monthly fee starting at $39.95. Customers must commit to a 3-year agreement which includes leasing a scanner. Celent finds Click Deposit a solid service that is competitive to what most banks offer currently, with the key difference being that Pitney Bowes is actively selling the product rather than banks. Celent expects more competitive offers in the future as the market matures.

Setting Up, Managing, and Reconciling Your Credit Card ProgramBlackbaud

��

The document discusses how to process credit cards in Blackbaud CRM and the benefits of using Blackbaud Merchant Services for credit card processing. Blackbaud Payment Service replaces credit card numbers with tokens and stores card information securely, while Blackbaud Merchant Services allows you to manage credit card processing through a web portal and process transactions weekly. Benefits of Blackbaud Merchant Services include ease of use, savings through low fees and no hidden costs, safe and secure storage of information, and integration with mobile payments.

BSL Fintech special - English/germanLucile Mathe

��

1) The document discusses personal financial management (PFM) tools that allow bank customers to better manage their finances by aggregating all their financial accounts and transactions in one place. 2) PFM tools provide key features like automatic transaction categorization, spending analysis, cash flow forecasting, budgeting, goals, alerts and notifications to help users better manage their money. 3) There are two types of account aggregation models - server-side where data is stored on a third party server, and client-side where data remains private on the user's device. Client-side is preferred for data privacy and security.

American Banker Article 5-10-11Noel Watts

��

M&I Bank upgraded its mortgage origination technology over two years in order to streamline the loan process and allow loan officers to focus on sales. The upgrades included implementing a point of sale system, consumer web portal, paperless imaging, and outsourcing some functions like title work. This reduced the time to close loans from 45-60 days to an average of 28 days. The technology changes eliminated over 3,000 hours of non-sales work for loan officers each year. The bank has seen increased loan volume and prospects as a result of the upgrades.

EAI ChecklistIdeba

��

The document discusses the challenges faced by banks due to outdated legacy systems and emphasizes the importance of digital transformation in enhancing connectivity, decision-making, and operational efficiency. It highlights the critical role of big data and compliance in risk management, noting that many banking executives feel their data capabilities are lacking. Furthermore, it underscores the need for effective anti-money laundering programs and the automation of processes to improve transparency and efficiency within financial institutions.

The Rise and Rise of digital LendingLucy Mukami

��

This document summarizes a presentation on digital lending in Africa given at a banking conference in Nairobi, Kenya. It discusses findings from the Financial Inclusion Insights (FII) program, which conducts nationally representative surveys in 8 countries to track financial access and digital financial services usage. The presentation segments bank customers in Kenya and Nigeria into unregistered users, registered inactive users, active registered users, and super users. It finds differences in demographics between the segments and identifies saving as the leading bank activity. The presentation also discusses challenges to digitalization like infrastructure issues and opportunities like leveraging mobile ownership and government payment programs. It concludes with an overview of the research firm InterMedia.

Auto Digital Transformation CBA Live 2016Kristin Herring

��

The document discusses digital transformation in the auto finance sector, emphasizing the need for banks to reduce branch costs, streamline processes, and develop digital components. It highlights current trends such as e-documents, e-signatures, and the importance of automation for customer satisfaction in financing transactions. Furthermore, it addresses the preferences of millennials for instant gratification and hassle-free financing across various channels.

Covid-19 Impact on Fintech and 2021 TrendsDevie Mohan

��

This document summarizes fintech trends in 2020 and beyond. The COVID-19 pandemic accelerated digital adoption, with online shopping and payments increasing significantly. Challenger banks faced difficulties while traditional banks improved their digital offerings. Regtech saw increased investment in KYC, AML, and compliance tools. BigTech companies expanded into financial services through partnerships and own offerings. Going forward, technology adoption will remain important, especially for SME support, cashless services, and enabling social distancing in business operations.

Digital Wealth Trends for 2019 Devie Mohan

��

The robo-advisor market is growing rapidly but also changing and narrowing its focus. The number of robo-advisor users has tripled since 2017 and is expected to continue growing significantly by 2023. Robo-advisors are focusing on niche areas like retirement planning and socially responsible investing to attract more clients. By 2030, millennials will be the dominant generation of investors globally. Major financial institutions are partnering with robo-advisors or developing their own digital advice platforms to target millennial clients.

Burnmark's Challenger Banking Quadrant Q1 '19Devie Mohan

��

The document provides an analysis of challenger banks in Q1 2019, focusing on their market strength, growth potential, and various performance metrics such as financial performance, technology initiatives, and customer acquisition. It highlights prominent players in the sector, their funding rounds, and strategic partnerships, while also outlining the types of challenger banks included in the analysis. The report is based on data collected until December 2018, and aims to provide insights into the rapidly evolving market for digital banking services.

The Next Phase of FinTech Collaboration Devie Mohan

��

Three global corporate banking executives believe that digital will significantly change both the competitive landscape and economics of the business. They stated that 86% of traditional corporate banking revenue will be attracted by digital platforms and channels. Additionally, pretax returns are projected to fall below the 16% hurdle rate for 30% of corporate banks due to declining fees and profits, placing significant financial stakes for these institutions. However, only 57% of executives believed their organization has market-leading digital capabilities, highlighting the need for collaboration between traditional banks and fintechs.

India Stack/Aadhaar StackDevie Mohan

��

The India Stack provides a digital identity, payments, and data-sharing infrastructure for India's 1.2 billion citizens. It includes Aadhaar for biometric identity, UPI for digital payments, and APIs for e-KYC and digital authentication. Various government agencies and private companies utilize different aspects of the India Stack to deliver services related to banking, financial inclusion, healthcare, transportation and more. While it has achieved significant digital inclusion, issues around data privacy and security continue to be addressed.

Is consolidation the only future for challenger banking?Devie Mohan

��

- The challenger banking space is highly crowded with both specialists offering basic accounts and cards and generalists offering a wider range of products, though most challengers offer limited products. - Challenger banks are focusing on niche customer segments like millennials, immigrants, and small businesses with targeted offerings. However, customers still use traditional banks for most of their financial needs. - While challenger banks have lower costs due to their digital focus, partnerships could help them further reduce costs and alleviate pressure to expand their product offerings to fully serve customer needs. Consolidation may be necessary for challengers to retain "not yet loyal" customers and improve rates of customer acquisition.

Going CashlessDevie Mohan

��

The document discusses various case studies about cashless economies, highlighting implementations in countries like Colombia, Sweden, Nigeria, and India. It showcases strategies to educate consumers, improve inclusivity, and promote cashless transactions while addressing challenges such as infrastructure and trust. India, in particular, stands out with its significant progress in digital payments through government initiatives and widespread mobile usage.

Brexit Impact on London FinTechDevie Mohan

��

The document discusses the potential short, mid, and long-term impacts of Brexit on the fintech sector and provides recommendations. In the short-term, fintech companies should assess immediate impacts, avoid hasty decisions, develop strategic scenarios, and have an active communication strategy. In the mid-term, companies should regularly evaluate Brexit negotiations and scenario impacts. In the long-term, the document considers how Brexit may impact issues like talent movement, funding, regulations, data, costs, and innovation and provides steps fintechs can take. London is still seen as a major fintech hub despite some uncertainty from Brexit.

Africa FinTech Investment TrendsDevie Mohan

��

FinTechStage Luxembourg: Data ThoughtsDevie Mohan

��

The document discusses how banks and fintech companies are innovating by using customer data in new ways. It notes that some fintech companies are measuring customer value based on data like knowledge and connections, not just money. It also discusses how banks and fintechs can partner by banks providing robust customer data through APIs while fintechs provide new services. The industry agrees that creating value from customer data and authentication are important, and banks and fintechs should collaborate to better use data and innovate together.

End-of-Year FinTech Thoughts and PredictionsDevie Mohan

��

1) The document summarizes predictions for trends in the fintech industry in 2016 based on developments in 2015. 2) Key predictions include greater funding spread across regions like Asia, and the emergence of Singapore, Tel Aviv and Switzerland as major fintech hubs. 3) Another prediction is that tier 2 banks will increase their ecosystem creation and investments in B2B fintech, and that banking will increasingly become a platform for fintech companies to deliver value-added services to customers.

More Related Content

What's hot (11)

LoansPQ: A Loan Origination System by MeridianLinkKristina Quinn

��

LoansPQ is a leading SaaS-based loan origination software that consolidates data from various channels to provide a seamless experience in consumer and business lending. It features advanced integration capabilities with over 200 third-party vendors, enhancing workflow automation and customer satisfaction. MeridianLink aims to empower clients by providing innovative solutions that streamline loan and account origination processes.

Travel Distribution_IETS by Lim Lai HockAbacus International

��

This document summarizes key points from the Indonesian E-Tourism Summit 2011 regarding travel distributions and payments. It notes that providing more payment options can increase sales conversion by 22% and that different customers prefer different payment forms. It also discusses common problems travel merchants face with payment strategies, including a lack of strategy, time-consuming manual tracking, long times to revenue, tight cash flow, and accounting headaches. The document highlights benefits of social marketing and trends in mobile internet and smartphones driving new records in the travel industry.

Cognitive banking with expert insightsIBM Analytics

��

The document discusses the transformative potential of cognitive banking, which utilizes technologies like artificial intelligence, blockchain, and analytics to revolutionize financial services. It emphasizes the need for banks to adapt as cognitive businesses to meet the evolving expectations of digital consumers and leverage data for personalized advice and solutions. The text highlights that embracing these innovations is critical for survival and strategic advantage in an increasingly disrupted financial landscape.

The future of banking - PSD2 & UXPieter Rahier

��

The document discusses the evolution of banking in the context of digital transformation and regulatory changes such as PSD2 and GDPR. It highlights the shift from traditional banking to an open banking model, emphasizing the importance of user experience and data control for both banks and fintech companies. The future of banking will be centered on efficiency, safety, and personalization in financial services.

Pitney Bowes’ RDC Initiative – when will banks engageRobert Goldberg

��

Pitney Bowes and Jack Henry & Associates have partnered to offer remote deposit capture (RDC) called Click Deposit to small businesses. Click Deposit provides bundled scanner fulfillment, support and processing for a monthly fee starting at $39.95. Customers must commit to a 3-year agreement which includes leasing a scanner. Celent finds Click Deposit a solid service that is competitive to what most banks offer currently, with the key difference being that Pitney Bowes is actively selling the product rather than banks. Celent expects more competitive offers in the future as the market matures.

Setting Up, Managing, and Reconciling Your Credit Card ProgramBlackbaud

��

The document discusses how to process credit cards in Blackbaud CRM and the benefits of using Blackbaud Merchant Services for credit card processing. Blackbaud Payment Service replaces credit card numbers with tokens and stores card information securely, while Blackbaud Merchant Services allows you to manage credit card processing through a web portal and process transactions weekly. Benefits of Blackbaud Merchant Services include ease of use, savings through low fees and no hidden costs, safe and secure storage of information, and integration with mobile payments.

BSL Fintech special - English/germanLucile Mathe

��

1) The document discusses personal financial management (PFM) tools that allow bank customers to better manage their finances by aggregating all their financial accounts and transactions in one place. 2) PFM tools provide key features like automatic transaction categorization, spending analysis, cash flow forecasting, budgeting, goals, alerts and notifications to help users better manage their money. 3) There are two types of account aggregation models - server-side where data is stored on a third party server, and client-side where data remains private on the user's device. Client-side is preferred for data privacy and security.

American Banker Article 5-10-11Noel Watts

��

M&I Bank upgraded its mortgage origination technology over two years in order to streamline the loan process and allow loan officers to focus on sales. The upgrades included implementing a point of sale system, consumer web portal, paperless imaging, and outsourcing some functions like title work. This reduced the time to close loans from 45-60 days to an average of 28 days. The technology changes eliminated over 3,000 hours of non-sales work for loan officers each year. The bank has seen increased loan volume and prospects as a result of the upgrades.

EAI ChecklistIdeba

��

The document discusses the challenges faced by banks due to outdated legacy systems and emphasizes the importance of digital transformation in enhancing connectivity, decision-making, and operational efficiency. It highlights the critical role of big data and compliance in risk management, noting that many banking executives feel their data capabilities are lacking. Furthermore, it underscores the need for effective anti-money laundering programs and the automation of processes to improve transparency and efficiency within financial institutions.

The Rise and Rise of digital LendingLucy Mukami

��

This document summarizes a presentation on digital lending in Africa given at a banking conference in Nairobi, Kenya. It discusses findings from the Financial Inclusion Insights (FII) program, which conducts nationally representative surveys in 8 countries to track financial access and digital financial services usage. The presentation segments bank customers in Kenya and Nigeria into unregistered users, registered inactive users, active registered users, and super users. It finds differences in demographics between the segments and identifies saving as the leading bank activity. The presentation also discusses challenges to digitalization like infrastructure issues and opportunities like leveraging mobile ownership and government payment programs. It concludes with an overview of the research firm InterMedia.

Auto Digital Transformation CBA Live 2016Kristin Herring

��

The document discusses digital transformation in the auto finance sector, emphasizing the need for banks to reduce branch costs, streamline processes, and develop digital components. It highlights current trends such as e-documents, e-signatures, and the importance of automation for customer satisfaction in financing transactions. Furthermore, it addresses the preferences of millennials for instant gratification and hassle-free financing across various channels.

LoansPQ: A Loan Origination System by MeridianLinkKristina Quinn

��

Travel Distribution_IETS by Lim Lai HockAbacus International

��

Cognitive banking with expert insightsIBM Analytics

��

The future of banking - PSD2 & UXPieter Rahier

��

Pitney Bowes’ RDC Initiative – when will banks engageRobert Goldberg

��

Setting Up, Managing, and Reconciling Your Credit Card ProgramBlackbaud

��

BSL Fintech special - English/germanLucile Mathe

��

American Banker Article 5-10-11Noel Watts

��

EAI ChecklistIdeba

��

The Rise and Rise of digital LendingLucy Mukami

��

Auto Digital Transformation CBA Live 2016Kristin Herring

��

More from Devie Mohan (11)

Covid-19 Impact on Fintech and 2021 TrendsDevie Mohan

��

This document summarizes fintech trends in 2020 and beyond. The COVID-19 pandemic accelerated digital adoption, with online shopping and payments increasing significantly. Challenger banks faced difficulties while traditional banks improved their digital offerings. Regtech saw increased investment in KYC, AML, and compliance tools. BigTech companies expanded into financial services through partnerships and own offerings. Going forward, technology adoption will remain important, especially for SME support, cashless services, and enabling social distancing in business operations.

Digital Wealth Trends for 2019 Devie Mohan

��

The robo-advisor market is growing rapidly but also changing and narrowing its focus. The number of robo-advisor users has tripled since 2017 and is expected to continue growing significantly by 2023. Robo-advisors are focusing on niche areas like retirement planning and socially responsible investing to attract more clients. By 2030, millennials will be the dominant generation of investors globally. Major financial institutions are partnering with robo-advisors or developing their own digital advice platforms to target millennial clients.

Burnmark's Challenger Banking Quadrant Q1 '19Devie Mohan

��

The document provides an analysis of challenger banks in Q1 2019, focusing on their market strength, growth potential, and various performance metrics such as financial performance, technology initiatives, and customer acquisition. It highlights prominent players in the sector, their funding rounds, and strategic partnerships, while also outlining the types of challenger banks included in the analysis. The report is based on data collected until December 2018, and aims to provide insights into the rapidly evolving market for digital banking services.

The Next Phase of FinTech Collaboration Devie Mohan

��

Three global corporate banking executives believe that digital will significantly change both the competitive landscape and economics of the business. They stated that 86% of traditional corporate banking revenue will be attracted by digital platforms and channels. Additionally, pretax returns are projected to fall below the 16% hurdle rate for 30% of corporate banks due to declining fees and profits, placing significant financial stakes for these institutions. However, only 57% of executives believed their organization has market-leading digital capabilities, highlighting the need for collaboration between traditional banks and fintechs.

India Stack/Aadhaar StackDevie Mohan

��

The India Stack provides a digital identity, payments, and data-sharing infrastructure for India's 1.2 billion citizens. It includes Aadhaar for biometric identity, UPI for digital payments, and APIs for e-KYC and digital authentication. Various government agencies and private companies utilize different aspects of the India Stack to deliver services related to banking, financial inclusion, healthcare, transportation and more. While it has achieved significant digital inclusion, issues around data privacy and security continue to be addressed.

Is consolidation the only future for challenger banking?Devie Mohan

��

- The challenger banking space is highly crowded with both specialists offering basic accounts and cards and generalists offering a wider range of products, though most challengers offer limited products. - Challenger banks are focusing on niche customer segments like millennials, immigrants, and small businesses with targeted offerings. However, customers still use traditional banks for most of their financial needs. - While challenger banks have lower costs due to their digital focus, partnerships could help them further reduce costs and alleviate pressure to expand their product offerings to fully serve customer needs. Consolidation may be necessary for challengers to retain "not yet loyal" customers and improve rates of customer acquisition.

Going CashlessDevie Mohan

��

The document discusses various case studies about cashless economies, highlighting implementations in countries like Colombia, Sweden, Nigeria, and India. It showcases strategies to educate consumers, improve inclusivity, and promote cashless transactions while addressing challenges such as infrastructure and trust. India, in particular, stands out with its significant progress in digital payments through government initiatives and widespread mobile usage.

Brexit Impact on London FinTechDevie Mohan

��

The document discusses the potential short, mid, and long-term impacts of Brexit on the fintech sector and provides recommendations. In the short-term, fintech companies should assess immediate impacts, avoid hasty decisions, develop strategic scenarios, and have an active communication strategy. In the mid-term, companies should regularly evaluate Brexit negotiations and scenario impacts. In the long-term, the document considers how Brexit may impact issues like talent movement, funding, regulations, data, costs, and innovation and provides steps fintechs can take. London is still seen as a major fintech hub despite some uncertainty from Brexit.

Africa FinTech Investment TrendsDevie Mohan

��

FinTechStage Luxembourg: Data ThoughtsDevie Mohan

��

The document discusses how banks and fintech companies are innovating by using customer data in new ways. It notes that some fintech companies are measuring customer value based on data like knowledge and connections, not just money. It also discusses how banks and fintechs can partner by banks providing robust customer data through APIs while fintechs provide new services. The industry agrees that creating value from customer data and authentication are important, and banks and fintechs should collaborate to better use data and innovate together.

End-of-Year FinTech Thoughts and PredictionsDevie Mohan

��

1) The document summarizes predictions for trends in the fintech industry in 2016 based on developments in 2015. 2) Key predictions include greater funding spread across regions like Asia, and the emergence of Singapore, Tel Aviv and Switzerland as major fintech hubs. 3) Another prediction is that tier 2 banks will increase their ecosystem creation and investments in B2B fintech, and that banking will increasingly become a platform for fintech companies to deliver value-added services to customers.

Covid-19 Impact on Fintech and 2021 TrendsDevie Mohan

��

Digital Wealth Trends for 2019 Devie Mohan

��

Burnmark's Challenger Banking Quadrant Q1 '19Devie Mohan

��

The Next Phase of FinTech Collaboration Devie Mohan

��

India Stack/Aadhaar StackDevie Mohan

��

Is consolidation the only future for challenger banking?Devie Mohan

��

Going CashlessDevie Mohan

��

Brexit Impact on London FinTechDevie Mohan

��

Africa FinTech Investment TrendsDevie Mohan

��

FinTechStage Luxembourg: Data ThoughtsDevie Mohan

��

End-of-Year FinTech Thoughts and PredictionsDevie Mohan

��

Ad

Recently uploaded (15)

Pitch deck for any business presentation.pptxmukeshpurohit991

��

Bob Stewart Acts 18 06 18 2025.pptxFamilyWorshipCenterD

��

PEN TO PODIUM powerpoint presentation.pptxVanessa accad

��

2025-06-22 Abraham 04 (shared slides).pptxDale Wells

��

Section 4 - Islamic Civilization & Culture.pptxMianMuhammadUbaidUll

��

The Government of India Act, 1935 was a compromise document that attempted to balance British control with Indian aspirations for autonomy. While it introduced several modern governance features like federalism, provincial autonomy, and bicameralism, its undemocratic nature, limited franchise, and excessive central control made it unacceptable to Indian political movements. It ultimately failed to satisfy the democratic aspirations of the Indian people, but it laid important groundwork for post-independence constitutional frameworks in both India and Pakistan.

Political Polarization And Government Accountability.pptxEverlyseLumantas

��

AC_Manufacturer_Strategy_Commercial_Government.pptxajajsain

��

Itinerary ROHIS SMUNIC diperlukan untuk acara.pptxlukmanjavalatte

��

Briefing on the upcoming UNFSS +4 StocktakeFrancois Stepman

��

2 June 2025. Online network briefing session from the Netherlands Food Partnership about the upcoming UNFSS +4 Stocktake for the Dutch partner network The global UN FSS+4 Stocktaking Moment (July 27–29, 2025, in Addis Ababa, Ethiopia, co-hosted by Ethiopia and Italy) aims to discuss progress made since the UN Food Systems Summit of 2021. With just five years remaining until the 2030 Agenda for Sustainable Development horizon line, the UNFSS+4 will provide an opportunity to document progress, strengthen accountability, and unlock investments for transformative action. The event spotlighted: successful country-level transformations, innovative practices, challenges faced in fragile and conflict-affected settings, and be part of broader efforts to shape a coherent global narrative on sustainable development and accelerate synergies between key SDG transitions. This is the presentation of Mr. Khaled Eltaweel of the Food Systems Coordination Hub.

FL Studio Crack Full Version [Latest 2025]Jackson lithms

��

👉𝗡𝗢𝗧𝗘:𝗖𝗢𝗣𝗬 𝗟𝗜𝗡𝗞 & 𝗣𝗔𝗦𝗧 𝗶𝗻𝐓𝗼 𝗚𝗼𝗼𝗴𝗹𝗲 𝗡𝗘𝗪 𝗧𝗮𝗯> https://pcprocore.com/ 👈◀ FL Studio is a powerful digital audio workstation (DAW) used for music production. It's a complete software package that allows users to compose, arrange, record, edit, mix, and master music. Known for its intuitive design, especially for pattern-based music creation, FL Studio is popular among beginners and experienced producers alike.

Josaya - Abstract for the research of the youth development.pdfJosaya Injesi

��

Japan's Media and Telecom Markets: Evolution, Global Competition, and NTT Law...Toshiya Jitsuzumi

��

Google Algorithm Updates – A Complete Guide for Digital Marketing Students.pdfNithinks37

��

Explore the most important Google algorithm updates that shaped the SEO landscape from Panda to Helpful Content. This presentation is designed for students and beginners in digital marketing to help them understand how Google's algorithms affect search rankings and how to stay updated with best practices. 🔍 What’s inside: Overview of key algorithm updates (Panda, Penguin, Hummingbird, BERT, etc.) Real-life examples of algorithm impacts SEO tips to align with Google’s evolving standards Easy-to-understand explanations for beginners 📚 Learn more about SEO and digital marketing at 👉 https://nithinksofficial.com Whether you're preparing for a course, training session, or just want to improve your SEO skills, this guide will help you build a solid foundation. #GoogleAlgorithmUpdates #DigitalMarketing #SEOforBeginners #GoogleSEO #LearnSEO #nithinksofficial. https://nithinksofficial.com/

Heating_Effect_of_Solar_Corona_Presentation.pptxHanumamshukla

��

Joy In The Journey 06 22 2025.pptxFamilyWorshipCenterD

��

Pitch deck for any business presentation.pptxmukeshpurohit991

��

Bob Stewart Acts 18 06 18 2025.pptxFamilyWorshipCenterD

��

PEN TO PODIUM powerpoint presentation.pptxVanessa accad

��

2025-06-22 Abraham 04 (shared slides).pptxDale Wells

��

Section 4 - Islamic Civilization & Culture.pptxMianMuhammadUbaidUll

��

Political Polarization And Government Accountability.pptxEverlyseLumantas

��

AC_Manufacturer_Strategy_Commercial_Government.pptxajajsain

��

Itinerary ROHIS SMUNIC diperlukan untuk acara.pptxlukmanjavalatte

��

Briefing on the upcoming UNFSS +4 StocktakeFrancois Stepman

��

FL Studio Crack Full Version [Latest 2025]Jackson lithms

��

Josaya - Abstract for the research of the youth development.pdfJosaya Injesi

��

Japan's Media and Telecom Markets: Evolution, Global Competition, and NTT Law...Toshiya Jitsuzumi

��

Google Algorithm Updates – A Complete Guide for Digital Marketing Students.pdfNithinks37

��

Heating_Effect_of_Solar_Corona_Presentation.pptxHanumamshukla

��

Joy In The Journey 06 22 2025.pptxFamilyWorshipCenterD

��

Ad

Devie Mohan: FinTech �ݺ�ߣs for Next Bank Europe Barcelona - Sep 22 2015

3. Lending, Payments and Big Data have seen the largest investments from banks. But that is changing. Rest of USA

4. Improved customer interactivity = Better customer centricity = Increased loyalty

5. CRM Core Banking Bank Systems APIs FinTech Ecosystem Payments Currency Transfer PFM UI/UX Data & Intelligence Treasury