Banking

How high-tech blockchain is changing the payments world

Whether a financial institution is a universal bank offering a broad array of products and services or a niche digital startup, the basic challenges are the same: providing cybersecurity, reducing compliance costs and speeding time to market of new products and services. We at Mbanq know this because we provide a digital banking SaaS platform […]

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How high-tech blockchain is creating new payment opportunities

A time to experiment In the eyes of Santander’s corporate Innovation Group, which I lead, the year 2015 stands as a kind of turning point in the way the industry was looking at innovation. There was, in many ways, a deepening awareness that there were technologies coming onto the scene that would change the banking […]

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How banks and blockchain offer new trading opportunities

A question of risk Call it a dilemma, or a vicious circle, or better yet, a Catch-22. It’s what most small companies face when they first look to engage in international trading. On its face, international trade is about buying and selling across national borders, representing new market opportunities. But like most opportunities, international trading […]

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Think tank and banks innovate to offer open banking

In Africa there’s a saying, “If you want to go fast, go alone. If you want to go far, go together.” That’s the philosophy behind my organization, Consorzio CBI, a pre-competitive think tank promoting collaboration and digital innovation among 450 banks in Italy and financial service providers throughout the European Union (EU). Some 2 million […]

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How to make banking “invisible” with digital transformation

My company, DBS Bank, is the largest bank in Singapore. To improve the customer experience across our operations throughout Southeast Asia, we’ve been engaged in digital transformation for some time. Our goal is to make banking invisible to our 12 million customers. Yet we still relied on some manual processes that lessened our efficiency. Slow […]

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Why ANZ bank is optimistic about blockchain technology

With so much hype surrounding blockchain, we at ANZ bank have been keen to develop practical and deliverable use cases. We’re optimistic about one that applies distributed ledger technology to digitize financial guarantees between landlords and tenants in commercial property leasing. Working in a modest consortium with Westpac bank, shopping center operator Scentre Group and […]

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How high-tech blockchain is helping boost global trade

A trade fan speaks In the realm of banking, I’m what you’d call a “trade person.” I don’t just mean it in the literal sense—my job: Global Co-head of Trade and Working Capital for the UniCredit Group —I mean it on a deeper, personal level. We “trade people” share a passionate belief that, in the […]

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Payment fraud prevention at a national payment switch

France has a long history as a pioneer in payment fraud prevention. It was the only nation that introduced Chip and PIN countrywide in 1992 [1]. This action made France the first all-smartcard country. And it reduced fraud in France to almost zero overnight. For decades. But criminals became more sophisticated and fraud losses returned. […]

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How to modernize the mainframe in a fast-changing banking industry

At Fiducia & Gad IT AG, our job is to keep IT systems up to date for all 1,100 cooperative banks in Germany. It’s a bit of a straddling act—between old and new, established and innovative, the past and the future. On one hand, our customers face changing regulations and competition from new types of […]

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