News & Insights

253 results found

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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, ...

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INNOPAY Open Insurance Monitor update: Insurtechs on the rise while incumbents are in limbo

Open Insurance continues to be the next game changer in insurance. The second ed...

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Payments trends are the driving force behind the relationship between retailer and customer

The relationship between a retailer and its customer is driven by three importan...

Build a resilient approach to measuring and monitoring your Open Banking business case

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A well-structured approach to building Open Banking business cases will help you identify, measure and monitor the creation of business value

To receive exclusive access to an extended Paper which expands on the ideas deve...

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Securing future relevance in the changing financial system: three strategic stablecoins considerations for banks

Widely regarded as the more respectable face of crypto, stablecoins are poised to become an integral part of the financial system’s future. With their ability to stabilise prices and in conjunction with harmonised regulations, stablecoins hold the promise of improving access to financial services. During EBAday 2020 in November, Josje Fio...

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Why banks must evolve their operating model to capitalise on the commercial opportunities of Open Banking

In this blog, Josje Fiolet and Mounaim Cortet, Senior Managers at INNOPAY, discuss how banks need to update their ways of working to realise the commercial benefits of Open Banking. They provide an introduction to the six main challenges for banks and propose a targeted approach to help them improve their operating model in three key area...

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Top 3 think outside-the-box ideas emerging from Central Bank Digital Currencies

Over the last five years, most payment innovations have focused on improving cus...

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Central Bank Digital Currencies: Today’s buzzword, or time to get ready?

A much-discussed (and much-hyped) topic among central banks is the issuing of currency in a digitalised form: a Central Bank Digital Currency (CBDC). It is claimed that CBDCs could have a significant impact on the payment infrastructure and ecosystem because they could change the rules of the game. However, the various existing CBDC imple...

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Global Open Banking Report 2020 – Beyond Open Banking, Into the Open Finance and Open Data Economy

Technological progress, the current COVID-19 pandemic and changes in customer be...

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INNOPAY Open Banking Monitor: Increasing API focus on business and community context

Banks need to get their Open Banking strategy right. Our research indicates that...

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EPI: Paving the way for future bank relevance, and not just through payments

Sixteen major Eurozone banks have come together in the European Payments Initiative (EPI) to launch a new payment system aimed at taking on rival card schemes and the threat posed by Chinese and US big-tech firms. Although previous pan-European collaboration projects (e.g. Monnet, Eaps, Payfair) have not been perceived as a great success,...