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Joris Lochy

Product Manager at Intix | Co-founder
Capilever
Member since
05 Apr 2017
Location
Brussels
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128
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Independent Product Management Consultant, helping customers in the Fintech space to innovate, i.e. from ideation to conceptualization to implementation, taking on different roles and responsibilities (business analysis, functional and technical design, solution architecture and project management).

Experience

Summary

Active in the financial services industry, since 2003:
- 8 years at Accenture
- 3 years at CSC
- 3 years at Deutsche Bank
- 3.5 years at The Glue
- 4.5 years at Monizze

Latest opinions

Joris Lochy

Keeping Cash Flowing: The Complexities of Bank Cash Logistics

In recent years, the usage of physical cash (notes and coins) has been on a notable decline worldwide, with significant reductions projected for the near future. According to the "Global Payment Report 2014," cash usage in various countries is expected to see substantial drops by 2027 compared to 2019. For instance, India is anticipated ...

29 July 2024 Financial Supply Chain

Joris Lochy

Fraud Prevention 2.0: How Neo Banks Are Setting New Standards

Preventing fraud is a major concern for every financial institution. Banks, in particular, must ensure that only the rightful account owner accesses their account and that no incorrect payments are made. This involves tackling issues such as identity theft, accidentally misdirected payments, and Authorised Push Payment (APP) fraud. While a few yea...

15 July 2024 Exposing Financial Crime

Joris Lochy

From Penalties to Best Practices: The True Cost of Compliance

Over the past two decades, the banking industry has faced staggering penalties for non-compliance, totaling an astonishing $387,559,149,283 (source: Violation Tracker). This colossal sum underscores a pressing issue: despite numerous efforts, the financial sector continues to grapple with compliance, with no signs of the penalties decreasing. Ever...

08 July 2024 RegTech

See all 128 opinions by Joris

Latest comments

Trade-offs Are Inevitable in Software Delivery - Remember the CAP Theorem

Thanks for the feedback. Indeed, you are absolutely right. As long as top management is not aware of certain necessary trade-offs, it will be impossible for analysts & architects to correctly do their job. But I hope my blog can bring maybe a little bit (not making too much illusions either :-)) of idea, that technology is always a matter of making trade-offs.

02 May 2024 20:23 Read comment

The rise of the financial super app

Thanks for sharing this blog. Very interesting.
Might be interesting to have a look at a blog I wrote about 4 years ago: https://www.finextra.com/blogposting/19211/from-app-to-super-app-to-personal-assistant, also about the super-apps.

29 Apr 2024 22:25 Read comment

The Unseen Backbone of Banking: A Deep Dive into Matching and Reconciliation

If the payment amount is not matching in full with the invoice for a legitimate reason, it can still not be handled by the structured comment, but it should be possible for the matching to correctly handle this (and expect / anticipate this).
If invoice indicates that 80% should be paid on delivery and 20% on installation, it is possible to use 2 times the same structured comment, but obviously you will expect then 2 payments on different payment dates. 

07 Dec 2023 21:23 Read comment

See all 19 comments by Joris

Joris writes about

  • security
  • payments
  • regulation & compliance
  • people
  • wealth management
  • retail banking
  • sustainable
  • cloud
  • devops
  • start ups
  • financial inclusion
  • cryptocurrency
  • markets
  • financial crime
  • predictions

Joris's opinion archive

  • 2024 (16)
  • 2023 (23)
  • 2022 (13)
  • 2021 (16)
  • 2020 (35)
  • 2019 (14)
  • 2017 (1)

Joris reads

  • Capilever
  • Bankloch Blog
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Thomas Pintelon

Thomas Pintelon
Head of Strategy at Capilever

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