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Latest Special Reports - Technology

Are challenger banks up to the challenge?

  • Author: Patrick Brusnahan
  • Published: 14 Mar 2017

Over the past decade, there have been a number of banks emerging as alternatives to the incumbent giants. These are commonly referred to as challenger banks. With unique selling point, they aim to grasp a share of the market, but are they succeeding? Patrick Brusnahan reports. read more

Canada’s EQ Bank proves to be a hit with digital-only savers

  • Author: Robin Arnfield
  • Published: 27 Feb 2017

Canadian digital-only bank EQ Bank was inundated with applications when it launched its high-interest Savings Plus Account in January 2016. Can it maintain its momentum, or will its lack of credit products adversely affect sign-up volumes? Robin Arnfield reports on this new offering. read more

Bank Leumi readies Israeli digital-only launch with global ambitions

  • Author: Robin Arnfield
  • Published: 24 Feb 2017

Bank Leumi is gearing up to launch Pepper, Israel’s first standalone digital-only bank. Currently at beta stage, the bank will launch to the general public later this year. Pepper, which will offer current and savings accounts, lending products and a P2P payments app, is targeted at millennials. Robin Arnfield reports. read more

Navigating the delivery of financial services via the Internet of Things

  • Published: 20 Feb 2017

Connected devices have the potential to revolutionise the way we live, administrate and bank. Will we be paying bills via our fridge in the future? Appropriateness, security and customer experience are paramount says Scott Hess, vice-president of user experience, consulting and innovation at Fiserv. read more

RBC goes live with D+H’s lending simulation tool Barometer

  • Author: Douglas Blakey
  • Published: 20 Feb 2017

Royal Bank of Canada has teamed up with leading financial technology provider D+H to implement Barometer, a first-in-class solution crafted to set a new standard in lending oversight. RBC’s Mike Dobbins and D+H’s Duncan Hannay discuss the Barometer solution with Douglas Blakey. read more

Banco do Brasil responds to neo-banks with digital-only account

  • Author: Robin Arnfield
  • Published: 15 Feb 2017

Banco do Brasil has launched a digital-only account as part of its digital transformation initiative. The new account will enable Banco do Brasil to reduce its customer service costs and to respond to the advent of the neo-banks. Robin Arnfield reports. read more

Digital Darwinism beginning to appear

  • Published: 24 Jan 2017

The next few years in the financial services sector are going to be transformative from a marketing perspective – partly driven by a new generation of marketing technologies but also by changes in consumer behaviour, which will lead to Digital Darwinism, so says senior financial marketer Stephen Ingledew. read more

Polish innovator banks on a mobile future

  • Author: Charles Wheeldon
  • Published: 12 Jan 2017

Poland’s mBank has been internationally recognised as one of the world’s most innovative lenders. Charles Wheeldon talks to the bank’s senior digital channels director, Piotr Hibner, about mBank’s latest mobile banking application, its award-winning innovations, and its vision of a data-led future. read more

From the overbanked and underbanked: There is an e-wallet for everyone

  • Author: Ann Lim
  • Published: 12 Jan 2017

As technology opens new doors to more sophisticated services and offerings in the payments space, it is important to remain inclusive – especially in Asia, where there is a sizeable untapped market of consumers who do not have access to traditional financial services. Xiou Ann Lim takes a look at two e-wallets. read more

Can open banking inspire the loyalty that banks crave?

  • Author: Patrick Brusnahan
  • Published: 12 Jan 2017

Customer retention is often cited as banks’ top priority, but how to achieve this is slightly harder to lock down. Many methods have been pitched, but none seem to be the solution. However, as open banking becomes more prevalent in the industry, could that be the answer? Patrick Brusnahan reports. read more

BankMobile to undergo major enhancements during 2017

  • Author: Robin Arnfield
  • Published: 12 Jan 2017

A lot has happened at BankMobile since Retail Banker International reported on the US digital-only bank a year ago. Robin Arnfield talks to Dan Armstrong, BankMobile’s MD and chief digital officer, about the changes that have already taken effect, and what we can look forward to in 2017. read more

Canadian BTL eyes blockchain chance

  • Author: Robin Arnfield
  • Published: 19 Dec 2016

Fintech startup Blockchain Technology Ltd (BTL) Group sees major opportunities for the blockchain in removing inefficiencies in inter-bank payments and settlement, bypassing the notoriously laborious process of using intermediaries, but can significant savings be made? Robin Arnfield investigates. read more

The Digital Banking Club: Can bots be bankers?

  • Author: Patrick Brusnahan
  • Published: 16 Dec 2016

As soon as new technology appears, the banking industry wonders if it can be applied to the financial sector. The latest additions are chatbots, which are AI-enabled messaging services. However, can these be utilised successfully? And will customers consider them to be a helpful addition? Patrick Brusnahan writes. read more

Could Soho fashionistas be shaping the future of monetary value and exchange?

  • Author: Anna Milne
  • Published: 13 Dec 2016

From startup challenger bank to blockchain innovation, Secco Aura’s offline payments and ‘economics of value’ strategy could pave the way for a future model of consumer data ownership. Anna Milne meets CEO and co-founder Chris Gledhill to find out more about how it works, and which markets it is targeting. read more

Vietnam keeping digital inclusive

  • Author: Robin Arnfield
  • Published: 13 Dec 2016

Meed is using social media and corporate partnerships to sign up millennials in emerging and developed markets to financially inclusive digital bank accounts. The fintech describes it as a marketing and customer-acquisition platform, enabling banks to cost-effectively target millennials. Robin Arnfield reports. read more

Scotiabank pips RBC to be top Canadian bank for digital sales functionality

  • Author: Robin Arnfield
  • Published: 12 Dec 2016

Scotiabank significantly upped its game in 2016 to top Forrester Research’s digital sales functionality rankings of Canada’s five biggest banks just ahead of long time leader RBC. Robin Arnfield talks to Forrester’s Alyson Clarke, Principal Analyst, eBusiness and Channel Strategy. read more

Fintech moving away from the fringes of the sector

  • Author: Patrick Brusnahan
  • Published: 21 Nov 2016

A constant debate within financial services is whether the stampede of emerging fintech companies is mere hype or a true form of disruption. Are they here to help banks or to replace them? What cannot be denied is that the fintech sector has come in hot, but just how hot? Patrick Brusnahan reports. read more

Yoma transformation accelerates

  • Author: Douglas Blakey
  • Published: 17 Nov 2016

Myanmar’s Yoma Bank has long enjoyed a local reputation for its investment in technology, resulting in an efficient branch network, remittances services and specialist SME services. As CEO Hal Bosher tells Douglas Blakey, its collaboration with Misys will expand its offerings and help the bank target new segments. read more

Adding digital ID verification to mobile payments

  • Author: Robin Arnfield
  • Published: 14 Nov 2016

So far, digital identity credentials have been the missing piece in the mobile wallet puzzle, making mobile payments vulnerable to fraud involving stolen card accounts. Robin Arnfield profiles two US fintech firms which want to fill this gap with technology storing ID documents in digital form on smartphones. read more

MasterCard looking at selfies for security

  • Author: Patrick Brusnahan
  • Published: 7 Nov 2016

Biometric security is very much at the forefront of the financial sector’s mind. Fingerprint recognition received a huge boost due to the technology already installed in certain smartphones. However, as every smartphone has a camera, photo recognition is taking off. MasterCard has just joined the fray. Patrick Brusnahan writes. read more

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