It’s a generally accepted concept that all physical materials decay over time. Rocks, food, metal, bones, people, etc… all of these things become weaker or decompose gradually, at different speeds. Scientists call this natural process “half-life”; a concept that can be…

Every year there is a new buzzword that dominates the conversations in the financial services industry. A few years ago it was Big Data, then omnichannel. After that, it was Blockchain and now Open Banking. Interestingly enough, most of the attention is usually on the threats…

Avalanches are an interesting phenomenon. All looks peaceful and quiet, until that exact moment when an invisible trigger is activated and that humongous mass of snow comes down destroying anything standing in its way, temporarily changing the landscape beyond recognition and covering…

Since the advent of the internet in the late 90’s, despite some initial scepticism, Banks are increasingly present in cyberspace offering new products and services. The maturity of the internet-banking channel evolved (extremely slowly) from providing access to basic account…

The first year of Open Banking was characterised by a steep learning curve for the nine largest UK banks. The new technology standard created challenges in all organisational aspects. Banks will have to operate differently, increase their focus on collaboration…