LATEST INSIGHTS
Articles
LATEST INSIGHTS
Articles
Banks play a pivotal role in navigating the Covid-19 crisis
The outbreak of the coronavirus pandemic is an unsettling human tragedy on global scale. Financial services institutions now have a direct imperative to prove their purpose as good corporate citizens by alleviating the impact on society and economy. [...]
Making business of open banking
The forerunners in open banking showed that open banking has potential to improve customer experience, increase efficiencies and unlock new revenue once it is linked to business strategy and digital transformation. Read our analysis of The Third Annual [...]
Developing a winning brand portfolio in financial services
In the digital era, successful banks design their brand portfolios around meeting contextual customer needs. This is the second of two posts on building financial services brands, co-authored with Ross Republic's brand transformation lead [...]
Brand is a key strategic asset in financial services
With the rise of fintech challengers and recent innovations in digital banking, banks now have the opportunity to truly differentiate their brand through digital products and services that directly reflect the mission and values of the bank. [...]
Product factories provide the infrastructure for open finance
The infrastructure of the financial services value chain is increasingly outsourced to specialised product factories. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace [...]
Banks diversify by becoming ecosystem orchestrators
Ecosystem orchestrators launch new propositions to expand into new segments, markets, or geographies. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace more diversified [...]
Neobanks win by having a tailored product focus
Neobanks are built on latest technology stacks and focus relentlessly on solving specific customer needs. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace [...]
Open banks go beyond banking
Open banks branch out into adjacent sectors with the aim to acquire more users and to cross-sell financial products. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s [...]
How banks win in the digital era
Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace more diversified strategies that are tailored to meet the needs of specific customer segments. The [...]
Are current fintech business models sustainable?
Fintech has become one of the most sought-after sectors for investors and venture capitalists. Fueled by cheap capital, most consumer-focused fintech startups prioritise expansion and user acquisition over profitability. However, will they ever turn their large customer base [...]
Recapping fintech conference Finovate Europe 2020
Our key takeaways from one of Europes leading digital banking conferences, Finovate Europe 2020. Last week, on February 11-13, leading experts on fintech, banking and insurance gathered in Berlin to provide their take on [...]
Global banking and fintech signals – January 2020
Goldman Sachs makes a big bet on digital services, Visa fortifies its network of networks strategy and BBVA sells chocolate on Amazon. Our monthly commentary and curation of market signals within the fintech and [...]
Banks play a pivotal role in navigating the Covid-19 crisis
The outbreak of the coronavirus pandemic is an unsettling human tragedy on global scale. Financial services institutions now have a direct imperative to prove their purpose as good corporate citizens by alleviating the impact on society and economy. [...]
Making business of open banking
The forerunners in open banking showed that open banking has potential to improve customer experience, increase efficiencies and unlock new revenue once it is linked to business strategy and digital transformation. Read our analysis of The Third Annual [...]
Developing a winning brand portfolio in financial services
In the digital era, successful banks design their brand portfolios around meeting contextual customer needs. This is the second of two posts on building financial services brands, co-authored with Ross Republic's brand transformation lead [...]
Brand is a key strategic asset in financial services
With the rise of fintech challengers and recent innovations in digital banking, banks now have the opportunity to truly differentiate their brand through digital products and services that directly reflect the mission and values of the bank. [...]
Product factories provide the infrastructure for open finance
The infrastructure of the financial services value chain is increasingly outsourced to specialised product factories. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace [...]
Banks diversify by becoming ecosystem orchestrators
Ecosystem orchestrators launch new propositions to expand into new segments, markets, or geographies. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace more diversified [...]
Neobanks win by having a tailored product focus
Neobanks are built on latest technology stacks and focus relentlessly on solving specific customer needs. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace [...]
Open banks go beyond banking
Open banks branch out into adjacent sectors with the aim to acquire more users and to cross-sell financial products. Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s [...]
How banks win in the digital era
Prevailing cookie-cutter strategies and monolithic business models limit banks in reaching their full potential. That’s why banks will embrace more diversified strategies that are tailored to meet the needs of specific customer segments. The [...]
Are current fintech business models sustainable?
Fintech has become one of the most sought-after sectors for investors and venture capitalists. Fueled by cheap capital, most consumer-focused fintech startups prioritise expansion and user acquisition over profitability. However, will they ever turn their large customer base [...]
Recapping fintech conference Finovate Europe 2020
Our key takeaways from one of Europes leading digital banking conferences, Finovate Europe 2020. Last week, on February 11-13, leading experts on fintech, banking and insurance gathered in Berlin to provide their take on [...]
Global banking and fintech signals – January 2020
Goldman Sachs makes a big bet on digital services, Visa fortifies its network of networks strategy and BBVA sells chocolate on Amazon. Our monthly commentary and curation of market signals within the fintech and [...]
Five priorities for executives for the era of open finance
A significant shift is on the horizon of the banking industry, and it is not borne out of technological or data-based advances; it is instead human and mindset-driven change for the world of ecosystems. The new era of [...]
Maso Arai joins RR as partner
Maso is a well rounded professional, with expertise in both financial services and engineering industries. He is an ideal addition to Ross Republic’s partner pool to boost both the level of the expertise we offer clients, as well [...]
Building the next generation of SME banking services
The SME banking segment is ripe for disruption. After a first wave of digital UX focused fintechs, there are now plenty of product and service innovation opportunities to create truly customer-centric SME banking propositions. [...]
An analysis of Europe’s key SME fintechs
A deep-dive analysis of European fintech players offering new digital business banking services for SMEs. Several well-funded fintech companies that exclusively focus on serving the freelance or SME market segment have been founded in [...]
The SME market opportunity for fintechs and banks
A snapshot of the financial services sector’s small business market opportunity in Europe. Business banking is the new fintech battlefield. Due to the large size and potential of the small and medium-sized enterprise (SME) [...]
New CEO for continuing growth
The year, which just ended, was probably as strange and astonishing to everyone. However, there is no new normal and the world remains exactly as it was before. A perpetual wonderful chaos of cause and effect, caring little [...]
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