Join the Community

21,469
Expert opinions
43,716
Total members
378
New members (last 30 days)
131
New opinions (last 30 days)
28,520
Total comments

Latest /retail expert opinions

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Banking on Failure: How Outdated Back Office Banking is Bleeding Profits and Trust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

Alex Kreger

Alex Kreger Founder & CEO at UXDA

From Legacy to Leadership: How Financial Executives Can Transform in the Digital Age

Many products around us appear to be highly successful. However, sometimes this success is just an illusion. Iconic brands such as Kodak, Nokia, and Blockbuster serve as stark reminders that past success does not guarantee future relevance. These companies, once leaders in their industries, failed to adapt to the evolving digital landscape and cus...

/retail /predictions Digital Bank Transformation

Kaustuv Ghosh

Kaustuv Ghosh Founder at Nxtgen Payment Infra. Prometheus Labs.

Bringing Change To Rural and Community Banks-Time for Core Banking to be Open

The future of core banking in rural/community banks Rural, thrift and community banks are where large numbers of people and small businesses find access to lending and possible wealth creation. As the Open Banking discussion grows, this segment is important for meaningful financial inclusion in many markets. With it's large population and geopoli...

/payments /retail Asia Financial Services

Mark Aldred

Mark Aldred Head of Sales at Auriga

Is there a vote for improving access to cash and services with smarter fintech?

2024 is a year of multiple elections . Now the UK has been added to the list with its general election called for July 4th. This led me to think how much the loss of in-person banking services and the demand for better alternative solutions using new technology should be an election issue. Of course, there are bigger election issues but access to ...

/retail /inclusion Banking

Sergiy Fitsak

Sergiy Fitsak Managing Director, Fintech Expert at Softjourn

Navigating the Evolution of Digital B2B Payments in 2024

In today’s fast-paced business environment, securing and maintaining relationships with large enterprise clients is crucial for revenue growth. However, processing their payments poses significant challenges, especially as transaction complexities and amounts increase. Traditional payment methods like paper checks often lead to delays and ineffici...

/payments /retail Banking Strategy, Digital and Transformation

Now Hiring