The Switch to a Phygital Bank
July 11, 2019
Innovation in Banking and Fintech is something amazing to embrace these days. Consumers around the world have changed the way they discover products, the way they buy and how they experience the products and services thanks to the big technology companies, their new technologies, innovative business models and disruptive brands. The general-purpose technologies behind the Fintech revolution have followed these trends and proved their value. Financial disruption has drastically altered societies, pre-existing economic and social structures. As for Banks & Financial Institutions (BFIs), to adapt to the Fintech revolution and the age of Open-Banking, artificial intelligence, machine learning, cognitive learning and other disruptive GPTs is a challenging task
Tags: Digital Disruption, Fintech, Innovation
Innovation as a role: following the Fintech path from outside challengers into part of the Bank
December 28, 2018
Bank incubators and accelerators are a hype these days. They are the main source of new challenging Fintechs and other financial and banking disruptive business models. They seem to have al the ingredients to innovate in Banking and Finance that are harder to get from the big banking institutions themselves. Interestingly Innovation as a role or department seems to be following the same path as Fintechs themselfs did .Starting outside the Banks direct sphere and then making their way into Banks, Finance institutions and even Fintechs.
Tags: Digital Disruption, Innovation, Fintech
Fintech & Banking The Perfect Storm
December 22, 2018
It is amazing how in less than 15 years, we shifted completely from a financial crisis to where we are now. It was all so quick, we started by a consumer behavior change, then a Business Model shift and for now a complete installed changed paradigmatic Mindset. It even reached little personal details as monopoly, if you are used to play it you remember playing it with money right? Well kids now days can play it with a PoS and a card. Tomorrow who knows, maybe with a watch or some gaming cryptocurrency.
Banking as a Service - beyond brick-and-mortar into the future
November 08, 2018
2018 Is without doubt a year to remember as PSD2 brought the opportunity for banks and fintechs to explore synergies as never before. The open access to banking customers' financial data and the evolution of cloud services has enabled the development of completely new consumer-oriented products and services. This presents an amazing opportunity for banks and third parties like fintechs to work together. Taking advantage of application programming interfaces (APIs) to innovate, digitize and disrupt the market, they can enhance the customer experience, easily scale the product and service catalogue and lower costs (which is much more than banks and fintechs could do on their own).
Digital banking technology and trends: digitization
November 07, 2018
Are banks keeping up with consumer demands when it comes to digital banking offerings? Consumers expectations are focused on digital channels and banks can’t afford to ignore it.
After more than half year of GDPR and PSD2, are banks “there yet”?
November 06, 2018
The revised Payment Services Directive (PSD2), which has been in force since January 2018, aims to modernize Europe's payment services and to benefit both consumers and businesses. ..
Tags: Cybersecurity, Fintech, Privacy
Blockchain technology - a distributed disruption for banking
Aktuelle Entwicklungslinien in der Finanzwirtschaft : Festschrift zum 60. Geburtstag von Bernd Rolfes | Teil2
November 09, 2017
Impact of blockchain technology in the banking industry
Tags: Blockchain, Fintech, Innovation
Service level agreement em cloud computing: um estudo de caso em uma empresa portuguesa
Universitas Gestão e TI
November 09, 2012
O cloud computing é um novo modelo de negócio que pressupõe a utilização
de recursos tecnológicos em regime pay-as-you-go, permitindo que
as empresas se foquem no seu core business, transformando as despesas de
capital em despesas operacionais. Num ambiente cloud computing, o Service
Level Agreement (SLA) é um documento que pretende gerir as expectativas
do fornecedor de serviços e do cliente, relativamente à qualidade do serviço
entregue, medindo e validando se os parâmetros previamente acordados são
cumpridos. Este artigo procura responder à seguinte questão: “Como negociar
um Service Level Agreement para um ambiente cloud computing?”. Dessa
forma, realizou-se um estudo de caso numa empresa portuguesa, de média
dimensão, fornecedora de soluções cloud. Procedeu-se à coleta de dados quantitativa
e qualitativa, por meio de inquérito aos clientes da empresa e posteriores
entrevistas a um administrador (e responsável estratégico da cloud), e à
responsável do serviço de suporte a clientes. Este artigo oferece uma reflexão
sobre como um SLA deve ser estruturado e qual deverá ser o seu conteúdo;
indica o conhecimento que as empresas possuem sobre os SLAs, bem como
quais os parâmetros que consideram mais relevantes para a sua organização; e
de que forma um SLA deve ser negociado, em regime cloud computing.
Tags: Cloud, Fintech, Innovation