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Blog

The COVID-19 pandemic has accelerated the ongoing digital transformation process globally. This has also caused corporate treasurers to explore opportunities to digitise their business operations and look for possibilities to accelerate and optimise their decision-making. However, traditional digital channels are not equipped for real-tim...

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News

INNOPAY names Mounaim Cortet as Country Manager DACH

INNOPAY has named Mounaim Cortet as the new country manager for the DACH region. As of 1 May 2022, he is responsible for the operations and further market development in this region. Mounaim has been working at INNOPAY since 2012 in positions including strategy director and global lead for strategy and open finance consulting services. H...

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Blog

Will China’s Central Bank Digital Currency ever have its Olympic moment?

The Winter Olympics in Beijing were not just a showcase for the world’s best athletes. The event was also an international testing ground for China’s new digital currency – the digital yuan (or e-CNY) – and reinvigorated the interest in its Central Bank Digital Currency (CBDC) plans. Rather than focusing on the functional payment aspects ...

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Web 3.0: How decentralisation and incentives will create alignment on the internet

There have so far been two major ‘phases’ of the internet, which are now retrospectively referred to as Web 1.0 and Web 2.0. Opinions differ on the precise beginning and end of these two phases, so the periods are not clearly defined – and the burgeoning Web 3.0 phase is no different.  The first two phases of the internetAlthough there ar...

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DeFi: Will it really be possible to borrow from yourself at 0%?

A recent offer in the realm of Decentralised Finance (DeFi) caught our attention...

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Sneak preview Open Banking Monitor update Q4’21: Banks are stepping up their game

We are thrilled to publish a new update of the INNOPAY Open Banking Monitor (OBM)! Since our previous publication many things have changed, so the time has come to update the rankings and to take a closer look at some of the key developments. This sneak preview provides a snapshot of the efforts banks have made in expanding their API prod...

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The future of payments – it’s time for big steps!

The 2021 edition of Euroforum’s annual conference on the future of payments (‘Toekomst van het Betalingsverkeer’) – which took place in Amsterdam’s Beurs van Berlage on 9 September and was actually held as a physical event rather than a virtual one – attracted over 200 attendees. INNOPAY’s Josje Fiolet was among them, and she has written ...

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Is your business ready for the crypto (r)evolution?

The crypto evolution – or is it a revolution? – is challenging the status quo of...

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Why should banks prioritise becoming the new 'Data Custodians' of the digital economy?

To access to an extended paper which expands on the concepts introduced here, click the link at the end of this blog to download 'Establishing the trust anchor in the digital economy: the case for banks to become 'Data Custodians'. The original article was initially published in the Journal of Payments Strategy & Systems (peer-reviewe...

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Blog

Bancassurance 4.0: Open Banking APIs as a new growth engine

Customer interaction and product distribution is increasingly taking place at new forefronts: at the point of interaction of digital journeys in third-party channels. The rapid rate of digitalisation is also driving the next phase of bancassurance. Banks need to start preparing for this right now – not only to protect their market share, ...