Fintech is unbundling the universal banking model: three strategic questions to answer

  • Mounaim Cortet Douwe Lycklama
  • PaymentsArticle

Banking execs are very much aware of the 'fintech disruption’ that is causing an unbundling of the universal banking model. However, truly understanding the implications of such disruption is a difficult task. In this blog we elaborate on the value chain dynamics and resulting strategic questions to address.

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Moving forward with PSD2 XS2A: a forced marriage of convenience between banks and TPP’s?

  • Mounaim Cortet Douwe Lycklama
  • PaymentsArticle

PSD2 XS2A triggers banking executives to get real about innovative business models and Fintech partnership strategies. In this article we elaborate on benefits and implications of collaboration between banks, innovative third party providers (TPPs) and other types of Fintech companies.

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How to benefit from PSD2? Four strategic XS2A options for banks

  • Mounaim Cortet Douwe Lycklama
  • PaymentsArticle

Banking execs are challenged on finding ways to respond to and benefit from PSD2 ‘Access to account’ (XS2A). In this blog we elaborate on four strategic XS2A scenarios for banks

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Virtual Bank Accounts: more than a reconciliation tool

  • Ivo Luijendijk,  Pieter Nijs
  • PaymentsArticle

We explain both Virtual IBANs and Virtual Accounts, and dive into the opportunities that they offer to corporates and banks

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The fruit basket… an e-commerce conversion killer

  • Vincent Jansen
  • Digital identityArticle

In my series on “every day products that play a key role in today's world of e-commerce” here's a short note on how my fruit basket prevents instant e-commerce conversion.

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PSD2 ‘Access to Account’ (XS2A): time to get real about banking API business strategies

  • Mounaim Cortet Douwe Lycklama
  • PaymentsArticle

PSD2 ‘Access to Account’ (XS2A) is not ‘just another regulation’ requiring only an operational and compliance approach. Top management in banking is strongly challenged on vision, decision-making and execution capabilities for at least the coming five years. As a result, XS2A is accelerating the trend of digital transformation in banking that is driving further unbundling of the universal banking model. Read in this blog post what the strategic implications are of PSD2 XS2A and how APIs will disrupt the traditional banking model.

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How can your organisation benefit from cryptocurrencies?

  • Gys Hough
  • PaymentsArticle

Now that sensationalism regarding cryptocurrencies has died down, businesses start to look at the potential of the new phenomenon. If the transfer of value, costs related to trust, or increased automation of (digital) processes are important to your organisation, cryptocurrencies can bring practical solutions. Gys Hough asks three questions that reveal what cryptocurrencies could bring to your organisation.

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Interview with Tom Rijks on payments as part of the marketing mix

  • Tom Rijks
  • Press Coverage
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Tom Rijks will speak at Financial Systems 2015 about how to sell more with payments. In this interview Tom explains how payments are an "unloved" part of the marketing mix (Dutch).

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