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Will Beeson

How Can We Save the Banks?

How Can We Save the Banks?

In the UK more than in many other countries, there is a dichotomy between traditional, incumbent banks offering relatively dated products and delivery, and generally falling well short of customer expectations, and new, digital challengers seeking to reimagine banking with Apple-like elegance, intuitiveness and user experience. Despite its position among

What Will Banking Look Like in a World of Open APIs?

What Will Banking Look Like in a World of Open APIs?

With platforms like Mint.com in the US, legislation like PSD2 in Europe, and programs like the Open Bank API initiative in the UK, the traditional stand-alone bank model is changing. Once upon a time, people used one local bank for all their financial needs. Banks had regional footprints, and

What Will Next Generation SME Banking Look Like? (Part 2)

What Will Next Generation SME Banking Look Like? (Part 2)

For Part 1, click here. For centuries, businesses have depended on banks to provide financing to help them manage cash flow and grow. Despite widespread talk of banking disruption, SME customer needs are fundamentally the same today. Banks have built ancillary products around their core business of taking deposits and

The Next Banking Innovation Opportunity

The Next Banking Innovation Opportunity

Banking is in the midst of an overhaul, with incumbent banks and startups alike looking to reimagine the customer experience. Fintech firms are pitching shiny new retail propositions designed to offer improved user experience, often delivered via intuitive mobile apps leveraging native device capabilities like alerts, geolocation and biometric ID.

What Will Next Generation SME Banking Look Like? (Part 1)

What Will Next Generation SME Banking Look Like? (Part 1)

New financial technology developments have the potential to fundamentally reshape the way SMEs not only bank but manage a variety of key aspects of their businesses. Sole traders and SMEs alike will benefit from many of the enhancements focused on retail banking, including better online and mobile user experience, quicker

When the Question is Banking, Technology May Not Be the Answer

When the Question is Banking, Technology May Not Be the Answer

Technology is the great enabler. Industrial revolutions have their beginnings in automation and other productivity-enhancing technological advances. In recent years, technology has changed the way we communicate, travel, work, invest, bank and more. These changes have brought increased speed and access for customers and enhanced efficiency and cost savings for

The Three Reasons People Hate Banks (and What Banks Can Do About It)

The Three Reasons People Hate Banks (and What Banks Can Do About It)

Fintech is a media darling. From 2008–2014, bank bashing was all the rage. Now, it’s fintech. The media likes news that resonates with its audience, and the anti-bank theme has for years. Why? There are three fundamental reasons that the public backlash faced by banks following the 2008