News & Insights

With the rise of the Internet of Things (IoT) and artificial intelligence (AI), transactions initiated by smart devices and platforms will increase exponentially over the next years. An appealing example is Smart Home, which connects customers digitally through smart devices and allows them to share data and transact from home 24/7. As r...

In the past few years new and innovative banks, also known as challenger banks, have entered the scene to disrupt the German consumer banking market. Even though a customer does normally not sign up for a new bank account every year, those new players have been recognised to attract and convert a rapidly growing digitally-savy customer ba...

Where newer and smaller banks used to outclass the incumbent banks regarding the onboarding process, the recent INNOPAY benchmark shows a comeback of the established players. By now, there is no longer a need to visit the office to open an account. Now the question is: did the larger banks manage to compete with the challengers?

During the last EBA Day (12 June), the Euro Banking Association published their thought leadership paper “B2B data sharing: digital consent management as a driver of data opportunities”. This paper is a joint effort of INNOPAY and the EBA’s Open Banking Working Group. Below you will find the executive summary of the paper, you c...

“Data, whether it's location-based or behavior-based data, will help provide solutions, whenever and wherever they occur.” – Brett King, Autor von breaking banks Obwohl sich Versicherer bei der Optimierung der ‘customer experience‘ beim Onboarding deutlich verbessern, scheint die Preisgestaltung immer noch das wichtigste Unterscheidungsm...