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Latest /retail expert opinions

Shawn Conahan

Shawn Conahan Chief Revenue Officer at Wildfire Systems, Inc.

All Rewards Platforms Are Not Created Equal: Why Bank-Grade Capabilities Matter

With some of the biggest financial institutions in the world launching shopping rewards programs, it’s clear these loyalty incentives are becoming table-stakes in the field of value-added financial services. But not all loyalty/rewards platforms are created equal when it comes to meeting the needs of sophisticated financial institutions. As finan...

/retail Fintech

Rob Straathof

Rob Straathof CEO at Liberis

Are legacy financial institutions at a loss against fintechs?

The world’s financial companies, including banks and the larger credit and debit card players, have been in a position of market power for a long time. However, the disruption and digitalisation that’s being supercharged by enhanced customer expectations is changing this dynamic, and fintech is now flourishing. It’s clear from the rise of digital...

/retail /wholesale Embedded Finance

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

Knowledge graph: Your key to get insights from big data

A knowledge graph, is a graph that depicts the relationship between real-world entities, such as objects, events, situations, and concepts. This information is typically stored in a graph database and subsequently represented as a graph structure, which is the basis for the term "knowledge graph." History of Knowledge Graphs The concept...

/ai /retail Technology for Social Good

Alex Kreger

Alex Kreger Founder & CEO at UXDA

The Future of Every Bank Depends on Digital Excellence

Customers demand seamless, intuitive, and personalized banking experiences, with 72% emphasizing personalization as “highly important,” and 77% of banking leaders agreeing it boosts retention. Yet, financial institutions face outdated systems, strict regulations, repetitive interfaces, and growing cybersecurity threats. This article explores the t...

/retail /devops Digital Banking

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

From the diary of a digital war veteran

- no one will be interested in that online bank (early 1980s > half a million customers were using it in Finland when Internet came) - one-time passwords are far too difficult to use (served well until replaced mostly by face) - the identification service does not belong to banks (it has been heard from the times of Venice). Adopted first for i

/retail /identity Innovation in Financial Services

Raktim Singh

Raktim Singh Senior Industry Principal at Infosys

How Multimodal User Interface will redefine customer experience

A Multimodal User Interface (MUI) is a revolutionary system that transforms our daily interactions with technology. Imagine managing your home gadgets with voice commands while adjusting settings on a display screen with touch controls. This is the practical power of MUIs, making our lives easier and more intuitive. From birth, we learn to interact...

/retail /predictions Technology for Social Good

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

Time for Credential Fest

The planned MyData conference in Helsinki in May/June 2025 should carry the name Credential Fest. There first of all central and local governments should be given the opportunity to list all credentials they issue to already now already citizen and organisation wallets. Followed by lists of forthcoming ones and how they themselves use organisation...

/retail /identity Innovation in Financial Services

Alex Kreger

Alex Kreger Founder & CEO at UXDA

Banking on Failure: How Outdated Back Office Banking is Bleeding Profits and Trust

In an increasingly competitive banking industry, the focus is often on improving front office solutions: desktop and mobile banking applications. However, a critical, yet frequently overlooked aspect is the back office – the core systems that keep the bank's engine running. According to a World Economic Forum report by Bain & Company, only 1% ...

/retail /devops Banking Strategy, Digital and Transformation

Nicole Pienkos

Nicole Pienkos Head of Regional Banking at FIS

Exploring Responsible AI Adoption

“AI banking, or Artificial Intelligence in banking, refers to the application of various AI technologies such as machine learning, natural language processing, and robotic process automation within the banking and financial services industry. These technologies enable banks and financial institutions to automate processes, enhance customer service...

/ai /retail Banking Strategy, Digital and Transformation

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Demystifying Investing: The Power of Digital and Generative AI

With an audience of fintech enthusiasts, I am probably preaching to the choir, but investing your excess savings remains critical to preserving and hopefully increasing the buying power of your hard-earned money. Unfortunately in practice, this is easier said than done. After years of great enthusiasm, investments in robo-advisors seem to be retur...

/wealth /retail Digital Banking Trends

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