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Rutger van Faassen
CEO and Founder at Informationbanker
BROOKLYN, United States
Thought leader at intersection of consumer finance and technology helping fintechs, banks and credit unions make optimal decisions. Podcast host, public speaker, startup advisor, mentor and coach.
After 25 years in Banking, I have been on both sides of many introductory conversations between Financial Institutions and Solution Providers. Too often, these parties failed to achieve a successful outcome due to ineffective messaging or a lack of genuine connection. I'm passionate about bridging this gap and fostering meaningful partnerships
My Approach
> Storytelling: I help Solution Providers craft clear, memorable narratives that are outcome-focused and begin with the crucial question: WHY?
> Trusted Advisor: I support Financial Services executives in defining the specific outcomes they aim to achieve through partnerships with Solution Providers.
> Qualified Introductions: I facilitate targeted introductions, matching desired outcomes with thoroughly vetted solutions.
Available For: Advising, Authoring, Consulting, Influencing, Speaking Travels From: New York City
Speaking Topics: Fintech, Consumer Banking, Innovation
Three Key Banking Themes in 2023
November 14, 2024
The Evolving Housing Market and Shift in Consumer Spend Trends
November 14, 2024
BoI pre Money2020 episode with Kevin Levitt Global Director Financial Services Industry at NVIDIA
November 14, 2024
Featured Topics
Key trends in FinTech
The current trends at the intersection of Financial Services and Technology that are shaping the market for consumer finance. Topics such as Artificial Intelligence, Personalization and Predictive Analytics all play a role in how the customer engagement with financial services is evolving.
Futures Thinking for Consumer Finance
By using a combination of facts and creativity to paint a picture of what possible futures can look like and then leverage that to determine what actions we should take today and tomorrow to be ready for the factors that will drive our future. As Bill Gate said: "We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten."
Leveraging Data and Analytics to make better Banking decisions
How can Financial Services providers leverage data and analytics to make better decisions by first determining their competitive position and then leveraging predictive analytics to optimize decision making.
What’d I miss? News and Insights that got noticed - Week 1
Linkedln
January 05, 2024
Key themes this week (December 29 - January 4)
HSBC Takes On Revolut, Wise With New Forex App for Non-Customers
Starbucks accused of manipulating app payments for $900 million profit
Chase UK aims for profitability in 2025
Quarter of UK BNPL users charged late fees
How Credit Unions Can Make the Most of 2022’s Uncertain Market
Credit Union Times
August 22, 2022
Not a day goes by without a new wrinkle being added to the furrowed brow of 2022’s market outlook. Even as the U.S. job market remains strong and employers strive to match wages with the rising cost of living as well as meet demands caused by the Great Resignation, daily headlines bearing new dimensions of uncertainty have left consumers and financial institutions equally rattled.
Deposit Behavior Can Predict HELOC Utilization
Curinos
June 28, 2022
The home equity market is roaring back to life, with more growth expected through this year and beyond. Cash-out refi is shifting back to home equity as mortgage rates rise and customers seek to preserve low first-mortgage rates. At the same time, high home prices have created new equity to tap, both for current and new home equity borrowers.
Indeed, home equity already makes up more than half of new applications this year and originations are up 40% from 2021.
This all seems like good news for lenders, but there are headwinds. Curinos believes that lenders who hold the HELOC applicant’s deposits will be well-positioned to navigate these challenges because they can better assess the customer’s financial well-being and credit need.
Can Credit Unions Reinvent Themselves for the Future?
Linkedln
November 18, 2021
With a diluted identity and lackluster digital tools, credit unions risk losing their competitive edge in the marketplace.
Credit unions have evolved dramatically since their arrival in North America in 1901 when the first deposit was made for 10 cents into The People’s Bank of Levis, actually the Quebec home of a Canadian journalist.
Rutger Responds: Key Take-aways from FinovateWest Digital
Finovate
December 23, 2020
Like many of you, I am still getting used to the virtual conference format. We all miss the in-person networking and engagement with conference participants; however, the saved travel time is an excellent perk. With the platform open for two weeks, I was able to get a couple of additional sessions in that I would have most likely missed in the pre-Covid world. I did find it challenging to keep 100% focused on the conference as my day to day business would find its way into my field of attention. After watching all the demos and many of the other sessions, here are my overall observations and key take-aways from the conference…
Banks adapting to post-COVID-19 world overlook power of data
Linkedln
August 27, 2020
Banks re-evaluating business models to incorporate new strategies and remote capabilities in a post-COVID-19 world should not overlook the role data and artificial intelligence (AI) play in fortifying customer relationships and better meeting their needs.
Banks adapting to post-COVID-19 world overlook power of data
Fintech Futures
August 14, 2020
Banks re-evaluating business models to incorporate new strategies and remote capabilities in a post-COVID-19 world should not overlook the role data and artificial intelligence (AI) play in fortifying customer relationships and better meeting their needs.
Importance of Actionable Insights in Uncertain Times
Linkedln
March 18, 2020
The COVID-19 virus is spreading and everyone is looking to understand how this will impact their business and their customer’s lives.
As things change in a rapid pace, and will continue to change over the foreseeable future, having access to market insights will help your financial institution to make crucial decisions.
Stay on Top of Your Credit Score to Avoid Unwelcome Surprises
Linkedln
February 11, 2020
I’m always grateful during the holidays for the chance to relax, recharge and spend time with family. All that downtime also gives me a great chance to get caught up on all the little tasks I’ve been neglecting. This holiday season, I really wanted to tackle a personal finance checkup
Money20/20 USA: Seven key takeaways and how to prepare your business
Fintech Futures
November 12, 2019
Rutger van Faassen, VP of consumer lending at Informa Financial Intelligence, shares his impressions and actionable insights from the recent Money20/20 USA event in Las Vegas.
Changing Expectations in Consumer Lending
Linkedln
June 03, 2019
The aftermath of the 2008-2009 financial crisis led to a dramatic reduction in consumer loans. Defaults and deleveraging by consumers, coupled with stricter underwriting criteria from banks, resulted in a dramatically different post-crisis lending landscape.
Opinion Are banks ready for an uptick in HELOC applications?
National Mortgage News
November 15, 2017
Rising home prices and a market in which many homeowners are reluctant to sell or refinance means HELOCs will continue to remain an attractive loan product. Especially for younger borrowers, who are more likely to be both current and future users of home equity lines of credit than either Gen-Xers or baby boomers.
HELOCs: The Untapped Opportunity for Growth and Profits
The M Report
November 25, 2016
These are interesting times for HELOCs. Home prices have risen sharply. As a result, home-equity wealth has doubled during the last five years to $13 trillion according to CoreLogic. Home prices are expected to continue increasing in 2017. This coupled with growing originations have led to renewed interest in home equity portfolios from bankers seeking new profit centers.
What’d I miss? News and Insights that got noticed - 2024 Rewind
Linkedln
January 03, 2025
Chase is reportedly getting deeper into the world of retail media. The banking giant’s new Chase Media Solutions unit will let advertisers target Chase customers with discounts and deals related to their spending history, The Wall Street Journal (WSJ) reported Wednesday (April 3).
What’d I miss? News and Insights that got noticed - Week 50
Linkedln
December 13, 2024
As head of Santander's Digital Consumer Bank he will oversee the Spanish lender's operations in auto financing, consumer lending, and the OpenBank digital financial services unit. DCB operates in 26 countries in Europe and the Americas, and serves the financing needs at the point-of-sale of 25 million consumers..."
What’d I miss? News and Insights that got noticed - Week 49
Linkedln
December 07, 2024
Key themes this week (November 29 - December 5)
Deel acquires Wise competitor Atlantic Money
First National Bank of Omaha’s online-only bank shuts abruptly
Citizens Bank ‘Won by Losing’ First Republic to JPMorgan, CEO Says
[Weekly POLL ️ ] 42% to attend 3 to 5 conferences in 2025
What'd I Miss | CONFERENCE EDITION
Linkedln
December 03, 2024
It is that time of the year to start planning for 2025 and determine which conferences to attend. To help you decide which events to register for I have created a list of conferences at the intersection of Financial Services and Technology. I have also included my current attendance status for each of the conferences. Feel free to share other conferences with me you are planning on attending or you think should be on this list.
What’d I miss? News and Insights that got noticed - Week 47
Linkedln
November 22, 2024
Key themes this week (November 15 - 21)
Apple will now be treated like a bank, says US Consumer Financial Protection Bureau
Barclays Bank in talks over giving away 80% stake in merchant acquiring business
US Bank Launches Travel Planning Partnership With Booking.com
Santander Launches Openbank Digital Bank in Mexico
What’d I miss? News and Insights that got noticed - Week 43
Linkedln
October 25, 2024
Key themes this week (October 18 - 24)
Procurement Startup Zip Valued at $2.2 Billion After $190 Million Funding Round
NEW Special Pre-Money20/20 PODCAST EPISODE
Santander Brings Digital Banking Platform Openbank to the US
United in Sustainability 7th Annual Summit for the Credit Union Industry
What’d I miss? News and Insights that got noticed - Week 42
Linkedln
October 18, 2024
Key themes this week (October 11 - 17)
Stripe and Ramp NYC meetup great success
Discover CFO: Cautious Consumers Cause Slide in Card Volume
The most interesting unicorns to come out of Japan
An AI Startup Acquired By Google Just Won the 2024 Nobel Prize in Chemistry
What’d I miss? News and Insights that got noticed - Week 40
Linkedln
October 04, 2024
Key themes this week (September 27 - October 3)
Mastercard agrees to buy subscription management startup Minna
State Street taps BNY exec as head of digital assets
Wero set to become Europe's first unified payment solution
OpenAI raises $6.6B and is now valued at $157B
What’d I miss? News and Insights that got noticed - Week 38
Linkedln
September 20, 2024
Key themes this week (September 13 - 19)
Fed slashes interest rates by a half point, an aggressive start to its first easing campaign in four years
EverBank to buy Michigan’s Sterling Bank for $261M
JPMorgan in Talks With Apple to Take Over Credit Card From Goldman
U.S. Bank rolls out access to Paze digital wallet
What’d I miss? News and Insights that got noticed - Week 35
Linkedln
August 30, 2024
Key themes this week (August 23 - 29)
> Klarna to use AI to halve workforce
> [POLL Results] Extensive amount of time and effort required to prepare a board presentation (41%)
> Credit Scores Without Debt? Fintech Cards Baffle Credit Industry
> [PODCAST] "Banking on Information," featuring the industry authority Rado Kotorov, Founder and CEO at Storied Data
What’d I miss? News and Insights that got noticed - Week 34
Linkedln
August 23, 2024
Key themes this week (August 16 - 22)
> POLL Results: Level of comfort and engagement with Blockchain technology still mostly in Basic Awareness territory
> Experian snaps up behavioral analytics firm NeuroID
> [PODCAST] "Banking on Information," with industry expert Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions
> U.S. Bank buys healthcare payments firm
What’d I miss? News and Insights that got noticed - Week 33
Linkedln
August 16, 2024
Key themes this week (August 9 - 15)
Scotiabank to take nearly 15% stake in KeyBank for $2.8B
Truist names JPMorgan, Wells vet as next CIO
[PODCAST LAUNCH] "Banking on Information," with Tony Chung, co-founder and CEO of Tenor Digital
Google who? This new service actually gets AI search right
What’d I miss? News and Insights that got noticed - Week 32
Linkedln
August 09, 2024
Key themes this week (August 2 - 8)
> Google integrates Greenlight card into smartwatch for kids
> Wells Fargo names BNY’s Bridget Engle as new head of technology
> POLL Results: Credit Unions biggest challenge is Outdated systems and inefficient consumer data sourcing
> Why blending blockchain and AI could add $20 trillion to the global economy by 2030
What’d I miss? News and Insights that got noticed - Week 31
Linkedln
August 02, 2024
Key themes this week (July 26 - August 1)
GenAI Startup Rabbitt.AI, Founded by IIT-D Alum, Raises $2.1M
WesBanco to buy Ohio’s Premier Financial in $959M deal
POLL Results: How are you feeling about Open Banking? 50% ready and knows what it is
Fed Clears Path for September Rate Cut
What’d I miss? News and Insights that got noticed - Week 30
Linkedln
July 26, 2024
Key themes this week (July 19 - 25)
> Sibongile Ngako joins US fintech Brex as chief compliance officer
> Truist Says Digital Onboarding Key to 42% Deposit Growth
> POLL Results: Most people not (yet) ready to have financial advice conversation with a voice-assistant
> UK open banking hits 10 million users
What’d I miss? News and Insights that got noticed - Week 29
Linkedln
July 19, 2024
Key themes this week (July 12 - 18)
> Google backs Indian open-source Uber rival
> Barclays US Consumer Bank Launches Savings Product With Tiered Rates
> POLL Results: Savings preferred approach to funding home renovation
> JPMorgan Sees Strong Card Spend Despite ‘Weakness’ From Lower-Income Consumers
What’d I miss? News and Insights that got noticed - Week 28
Linkedln
July 12, 2024
Key themes this week (July 5 - 11)
JPMorgan warns 86 million customers they might have to start paying for their bank accounts
Bain Capital reportedly closing in on deal to acquire Envestnet
Embedded Lending Puts SMBs at Center of Financial Services Landscape
Target Says Time’s Up For Paying With Paper Checks
What’d I miss? News and Insights that got noticed - Week 27
Linkedln
July 05, 2024
Key themes this week (June 28 - July 4)
> Apple co-founder Steve Jobs had a 'beer test' he would use for interviewing people at company
> New York BNPL bill is dead, for now
> Revolut soars to record profit
> Australia Outpaces US in Online BNPL Adoption Nearly 3 to 1
What’d I miss? News and Insights that got noticed - Week 26
Linkedln
June 28, 2024
Key themes this week (June 21 - 27)
Samsung Next invests in Curve
Revolut seeks $40bn valuation through share sale – FT
Nubank Accelerates AI-First Strategy With Hyperplane Acquisition
Why bank-fintech partnerships go sour and how to prevent the hug of death
What’d I miss? News and Insights that got noticed - Week 25
Linkedln
June 21, 2024
Key themes this week (June 14 - 20)
> Apple Pay Later Is Shutting Down, Report Says
> With Literally No Words, Tim Cook's Response to Elon Musk's Angry Tweets Is a Masterclass in How to Handle Your Critics
> BNPL firm Laybuy enters receivership
> Affirm CFO doesn’t expect profits from its Apple tie soon
What’d I miss? News and Insights that got noticed - Week 24
Linkedln
June 14, 2024
Key themes this week (June 8 - 14)
HSBC and BNY Mellon early adopters for Quantexa GenAI suite
U.S. Bank taps Greenlight for family-focused money management tools
JPMorgan Names PayPal Vet Shivananda as New Tech Chief
Apple packaging and unboxing always delivers a great user experience even when it is a titanium credit card
What’d I miss? News and Insights that got noticed - Week 23
Linkedln
June 07, 2024
Key themes this week (May 31 - June 7)
Cash App exec hints at Square integration
[POLL] use of mobile phone as payment terminal still in early stages
Kobalt Labs wins Best in Show at Finovate Spring
CFPB to Consult Consumers and Small Businesses on Open Banking Standards
What’d I miss? News and Insights that got noticed - Week 22
Linkedln
May 31, 2024
Key themes this week (May 24 - 30)
AI Helping Klarna Cut Marketing Costs by $10 Million
[POLL] Operations/Marketing main areas companies are using AI to save money
Walmart has ended its partnership with Capital One
PayPal builds advertising platform
What’d I miss? News and Insights that got noticed - Week 21
Linkedln
May 24, 2024
Key themes this week (May 17 - 23)
> Klarna labels CFPB BNPL rule 'baffling'
> JPMorgan to give AI training to all new hires
> Google Pay Expands BNPL and Says Goodbye to the CVV With Biometrics
> 8 huge predictions Bill Gates made in 1999 that all came true
What’d I miss? News and Insights that got noticed - Week 20
Linkedln
May 17, 2024
Key themes this week (May 10 - 16)
Nine-in-ten Klarna employees now use AI daily
[POLL] 42% uses genAI daily, 42% uses it weekly or less and 17% don't
Chime to Add Earned Wage Access Offering to Banking App
Citigroup has hired Viswas Raghavan, formerly of JPMorgan Chase, as its new head of banking
Who Are The Top 50 Fintech Influencers To Follow?
AIThority
December 19, 2023
After extensive research of more than 25 hours, this is the best of the best list I could have ever prepared.
Well here is a complete well-researched list of the Top 50 Fintech Influencers. Below is the name list along with their LinkedIn profiles by which you can directly follow/connect with them. The following list has been prepared in descending order of their followers on LinkedIn.
The Ultimate FinTech Influencer Guide 2023
Marcel van Oost - Connecting the dots in FinTech
April 19, 2023
For this report, I summarized a list of people I think you should follow on LinkedIn to stay up to date on industry news and updates. I follow every single one of them and really enjoy their content.
I didn’t want to make it a contest with a ranking (I’ll leave that up to you to decide for yourself) so decided to list them in alphabetic order.
The future of banking isn’t what it used to be - how can incumbent financial institutions compete with new competitors & big tech?
Finovate Fall 2024
September 11, 2024
So fintech is a potential threat to banks but is there another threat that is flying under the radar…?
How about Big Tech firms like Apple, Google, Microsoft, Amazon and Meta?
So, who will be best positioned to be the financial services provider of the future leveraging GenAI to engage with customers?
For banks and credit unions, it might be time to not just keep an eye on Fintech but also more closely track what Big Tech is doing as it might be the bigger threat now and in the future.
Expert Insight: Tech Trends That Will Define Fintech In 2024 & How They Will Change The Future Of Money
Finovate Spring 2024
May 20, 2024
Fintech will continue to be a driving force of the future. Areas to watch will be AI; embedded finance; SaaS; open banking; IoT and blockchain. As automation and integration become more sophisticated consumers will have access to more tailored services that better suit their needs. Technological innovation will continue to shape finance and banks must stay ahead of the curve or risk being left behind.
Why Banks Must Embrace The Digital Lending Revolution To Safeguard Their Business & Address Systemic Credit Gaps By Harnessing A Maturing Tech Stack. Is Lending As A Service A Game Changer For Banks?
Finovate Fall 2023
September 13, 2023
Rising household debt balances in the US, coupled with a long and painful loan application and fulfillment process, indicate a need for change in the lending industry. A mobile-first approach and the use of big data can help lenders address these challenges and safeguard their business. This article explores the lending landscape, identifies key challenges, and proposes solutions that lenders can adopt to transform their business and better serve consumers. The article discusses the benefits of a mobile-first strategy, including improved convenience and speed, as well as the use of additional data sources to provide a more holistic view of borrowers and their ability to repay. The article also considers the different options lenders have for building, buying, or partnering to implement these changes. By embracing mobile and big data, lenders can transform the lending process, improve the customer experience, and increase their market share.
Power Panel: Buy Now Pay Later
Finovate Spring 2024
May 23, 2024
Power Panel: Buy Now Pay Later: A Great Product For Customers Or A Debt Trap? How Is This Exploding Market Going To Change The Status Quo & What Does It Mean For The Future Of Credit Cards? And What Are US Regulators Planning?
Power Panel: How Will New Technologies, New Competitors And New Business Models Shape The Future Of Payments? And Why Data Really Matters
Finovate Spring 2023
May 25, 2023
Leveraging Tech to Streamline Loan Processes in a Volatile Economic Climate
Lightico
May 23, 2023
Our panel of experts will share their insights and experience on how banks should leverage digital technology to improve customer service, reduce loan processing time, and increase efficiency while minimizing risk to improve the overall loan origination and servicing customer experience.
The Super App Revolution: Uber & PayPal Are On Track To Become The First US Super Apps: Can Your Services Compete?
Finovate Fall 2022
September 13, 2022
Rutger van Faassen (moderator) - Head of Innovation & New Markets, Curinos
Xavier Gomez - Founder & Chief Operating Officer, INVYO
Christina Bechhold Russ - SVP & Head of Strategic Investment Initiatives, Truist Ventures
Jonathan Alloy - VP Design Thinking, Credit Suisse
Banking on Information with Conor Tiernan Head of Insights at VibePay
YouTube - Banking on Information
January 13, 2025
Banking on Information with with Conor Tiernan, Head of Insights at VibePay
In this episode we speak with Conor Tiernan, Head of Insights at VibePay about his WHY, WHAT and HOW when it comes to empowering brands with actionable (banking data led) insights and seamless customer interactions and offering instant A2A payments.
AI: The Future of Banking or the End of an Era? Ask Rutger van Faassen, Founder of Information Banker
Apple Podcast
January 06, 2025
In the AI Risk Reward podcast, our host, Alec Crawford (@alec06830), Founder and CEO of Artificial Intelligence Risk, Inc. aicrisk.com interviews guests about balancing the risk and reward of Artificial Intelligence for you, your business, and society as a whole.
Podcast production and sound engineering by Troutman Street Audio. You can find them on LinkedIn and at troutmanstreetaudio.com. You can hear the difference.
Join Alec Crawford on the AI Risk Reward podcast as he welcomes Rutger van Faassen, the founder and CEO of Information Banker. In this insightful episode, Rutger shares his unique career journey from studying at hotel school to becoming a prominent figure in finance at ABN Amro and beyond. He discusses the influence of Steve Jobs on his leadership style, the potential impact of AI and blockchain on the finance industry, and the importance of storytelling in business. Rutger also provides valuable advice for aspiring entrepreneurs and shares his experiences with AI applications in his business.
Banking on Information with Robyn Sechler, Head of partnerships at GoodTrust
YouTube - Banking on Information
January 06, 2025
Banking on Information with with Robyn Sechler, Head of partnerships at GoodTrust
In this episode we speak with with Robyn Sechler, Head of partnerships at GoodTrust about her WHY, WHAT and HOW when it comes to Estate Planning for both physical and digital assets.
Banking on Information with Igor Pejic Author of Big Tech in Finance
Youtube
December 16, 2024
In this episode we speak with Igor Pejic, Author of Big Tech in Finance about his WHY, WHAT and HOW to Prevail In the Age of Blockchain, Digital Currencies and Web3.
LendAPI Partner Podcast with Brian Stacey, Founder of Decision Science LLC
YouTube - LendAPI Partner Podcast
December 13, 2024
This week, we’re thrilled to host Brian Stacey, Founder and Managing Partner of Decision Science LLC, a leader in risk management and decision analytics.
What’s Inside This Episode?
Explore how Decision Science LLC leverages advanced data analytics to help businesses tackle complex risk challenges and make smarter decisions.
Hear Brian’s journey from leading global risk initiatives at major financial institutions to founding a company that transforms how organizations approach decision-making.
Discover insights into the evolving role of risk management in business strategy and how data-driven solutions are paving the way for innovative decision-making processes.
Decision Science LLC is a proud partner of LendAPI! Visit the LendAPI Marketplace (https://www.lendapi.com/marketplace/d...) to learn more about their transformative solutions.
About Decision Science LLC www.decisionscillc.com
From regulatory compliance to predictive analytics, Decision Science LLC empowers enterprises with customized tools and strategies to navigate uncertainty and drive growth.
LendAPI Partner Podcast with Ram Venkataraman, Co-Founder of Sei AI
YouTube - LendAPI Partner Podcast
December 11, 2024
We’re kicking off the season with an inspiring episode featuring Ramkumar (Ram) Venkataraman, Co-Founder of Sei AI, a Y Combinator-backed startup revolutionizing compliance for businesses.
What to Expect in This Episode:
Discover how Sei AI's AI-powered platform is streamlining regulatory adherence for businesses, enabling faster scaling and smarter compliance.
Hear Ram’s journey, from leading roles at Fortune 500 giants like Oracle and Amazon to transforming the FinTech landscape with PayPal and Wise.
Learn about Sei AI's unique approach to customer discovery and how they’re empowering businesses to see compliance as a strategic advantage.
Sei AI is a proud partner of LendAPI! Find them on the LendAPI Marketplace ( https://www.lendapi.com/marketplace/s... )for game-changing compliance solutions.
About Sei AI ( https://www.seiright.com/ ):
Sei AI leverages cutting-edge AI to automate tasks like marketing compliance, QA for customer communications, and business due diligence. Backed by industry leaders, they serve enterprises globally, turning compliance challenges into growth opportunities.
Banking on Information with Daniel Vodolazkyi, Managing Partner at RWAY
YouTube - Banking on Information
December 09, 2024
In this episode we speak with Daniel Vodolazkyi, Managing Partner at RWAY about his WHY, WHAT and HOW of his real-world asset-tokenization software platform.
Banking on Information with Zach Gordon, CEO of Red Five
YouTube - Banking on Information
December 02, 2024
In this episode we speak with Zach Gordon, CEO of Red Five about his WHY, WHAT and HOW of getting it right when it comes to business decisions and accounting.
Banking on Information with Karan Jain, Founder and CEO of NayaOne
YouTube - Banking on Information
November 25, 2024
In this episode we speak with Karan Jain, Founder and CEO of NayaOne about his WHY, WHAT and HOW when it comes to helping Financial Institutions discover, select and evaluate technical solution providers.
Banking on Information with Kevin Porter, CEO and Founder of DxO Advisors
YouTube - Banking on Information
November 21, 2024
In this episode we speak with Kevin Porter, CEO and Founder at DxO Advisors about his WHY, WHAT and HOW when it comes to helping credit unions with their omni-channel transformation and adoption.
Banking on Information SPOTCAST with Russell LaCour CTO at ODIN AI
YouTube - Banking on Information
November 18, 2024
In this episode we speak with Russell LaCour, CTO at ODIN AI about his WHY, WHAT and HOW when it comes to applying agentic AI to the mundane part of our jobs to save time and money.
Banking on Information SPOTCAST with Gaurav Passi CEO of ZinglyAI
YouTube - Banking on Information
November 12, 2024
In this episode we speak with Gaurav Passi, CEO of ZinglyAI about his WHY, WHAT and HOW when it comes to customer service and the fear of reaching out.
Banking on Information SPOTCAST with Matt Akins Startups at NVIDIA
YouTube - Banking on Information
October 31, 2024
In this special @Money20/20 SPOTCAST episode I speak with Matt Akins, Startups @ NVIDIA about how NVIDIA is partnering with startups, some of which are here in the AI Pavilion at the Money20/20 conference in Las Vegas.
BoI with Sneha Yadav Head of ESG and Responsible Investing at Astant Global Management
YouTube - Banking on Information
October 28, 2024
In this episode we speak with Sneha Yadav Head of ESG and Responsible Investing at Astant Global Management about her WHY, WHAT and HOW when it comes to ESG strategy and how it impacts company results.
BoI pre Money2020 episode with Kevin Levitt Global Director Financial Services Industry at NVIDIA
YouTube - Banking on Information
October 21, 2024
In this special pre-Money20/20 episode we speak with Kevin Levitt, Global Director Financial Services Industry at NVIDIA about some of the key themes and use cases NVIDIA will be addressing at the Money20/20 conference starting on Sunday October 27th in Las Vegas.
SPOTCAST Banking on Information with Timothy Li CEO of LendAPI
YouTube - Banking on Information
October 10, 2024
In this episode of the SPOTCAST we speak with Timothy Li, CEO of LendAPI about his WHY, WHAT and HOW when it comes to helping financial institutions get up and running fast with everything embedded finance related.
Banking on Information with Viktoria Soltesz CEO of PSP Angels Group
YouTube - Banking on Information
October 07, 2024
In this episode we speak with Viktoria Soltesz, CEO of PSP Angels Group about her WHY, WHAT and HOW when it comes to complex and challenging cases in the international payments industry.
Banking on Information with Aditya Khandekar CRO of Corridor Platforms
YouTube - Banking on Information
September 30, 2024
In this episode we speak with Aditya Khandekar CRO of Corridor Platforms about his WHY, WHAT and HOW when it comes to data-driven decision making throughout the customer lifecycle.
Banking on Information with Kalyani Ramadurgam, co-founder at Kobalt Labs
YouTube - Banking on Information
September 24, 2024
In this episode we speak with Kalyani Ramadurgam, co-founder of Kobalt Labs about her WHY, WHAT and HOW when it comes to using AI for third party diligence.
Banking on Information with Neil Stanley, CEO and Founder of The CorePoint
YouTube - Banking on Information
September 16, 2024
In this episode we speak with Neil Stanley, CEO and Founder of The CorePoint about his WHY, WHAT and HOW when it comes allowing your frontline staff to successfully negotiate CDs with depositors and helping them find the right solution.
Banking on Information with Khurram Khalil, CPO and Co-Founder at Caary
YouTube - Banking on Information
September 09, 2024
In this episode we speak with Khurram Khalil, CPO and Co-Founder at Caary about his WHY, WHAT and HOW when it comes to payments and spend management for Small Businesses and the SaaS platform to deliver it.
Banking on Information with Rado Kotorov, Founder and CEO at Storied Data
YouTube - Banking on Information
August 26, 2024
In this episode we speak with Rado Kotorov, Founder and CEO at Storied Data about his WHY, WHAT and HOW when it comes to delivering data and information as an experience.
Banking on Information with Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions
YouTube - Banking on Information
August 19, 2024
In this episode we speak with Sandeep Kaur, Director of Web 3.0 & DLT at Innova Solutions about her WHY, WHAT and HOW when it comes to Blockchain and Web3.
Banking on Information with Tony Chung, CEO of Tenor Digital
YouTube - Banking on Information
August 12, 2024
In this episode we speak with Tony Chung, co-founder and CEO of Tenor Digital about his WHY, WHAT and HOW when it comes to Re-Architecting Private Credit Operations.
Best Peer-to-Peer Lending of December 2023
U.S. New & World report
December 14, 2023
More flexible qualification requirements than other types of loans. P2P marketplaces are usually open to everyone, including borrowers with short credit histories, low credit scores or high DTI ratios. Marketplaces can offer more flexibility because they "don't necessarily hold the risk; they are matchmakers," says Rutger van Faassen, innovation and new markets, industry ecosystems executive at data provider Curinos.
'It goes beyond just translating': How bank products become bilingual
American Banker
July 05, 2023
The U.S. Hispanic population is the country's largest minority group and it's growing fast. But surprisingly few financial institutions have adapted their digital products and services to speak their language.
Banks vs. credit unions: How to decide where to keep your money
Bankrate
June 09, 2023
Credit unions are not-for-profit organizations owned by their members. “That’s the main difference between (banks and credit unions),” says Rutger van Faassen, head of marketing strategy at analytics provider Curinos. Credit unions typically provide better savings and lending rates, van Faassen says.
How Can You Remove Collections From Your Credit Report?
U.S. New & World report
March 16, 2023
After you file a dispute, there's a reverse burden placed on the credit bureau to prove that the information on your report is accurate, says Rutger Van Faassen, a former lending executive who is now head of market strategy with Curinos, a firm that provides financial industry insights.
WSJ - What Is a Good Credit Score?
The Wall Street Journal
March 13, 2023
“Each of these scoring agencies has their own secret sauce: their algorithm,” says Rutger van Faassen, head of market strategy for Curinos, a financial industry analytics firm. Since no two scoring agencies use the same “sauce,” your score can vary depending on the agency.
How to Spot a Good Deal When Shopping for a Home
Money
February 06, 2023
The uptick in buyer activity is a result of mortgage rates dropping by nearly 1 percentage point since early November. Some buyers who found themselves priced out of the market late last year now have an incentive to buy, says Rutger Van Faassen, head of marketing strategy at data intelligence firm Curinos.
“[When] rates come back just a little bit, that puts people back in the game,” Van Faassen says.
Regulatory scrutiny of M&A hinders competition, benefits largest banks – experts
S&P Global Market Intelligence
January 12, 2023
The prolongment of deal closing periods is more a function of regulators focusing on protecting consumers and not a result of wanting to stifle competition, said Rutger van Faassen, head of market strategy at Curinos.
"The pendulum swings back and forth as there's different power in Washington," van Faassen said. "In banking, we just have seen that it's taking longer to get the approval, but there haven't been clear cases yet where they say, 'No this is not allowed, and this is all because it's hurting competition.'"
BNPL Providers Building Rewards Programs to Compete
Native American Financial Service Association
August 12, 2022
Recently, with several buy now/pay later (BNPL) fintechs’ valuations having collapsed and a proposed merger falling through, many BNPL providers are launching rewards programs. Although the dollar value of rewards for smaller BNPL purchases is less than that of credit card loyalty programs, which can provide two to five percent cash back for purchases in certain categories, even a minor reward can appeal to consumers who may not have access to credit card perks.
“Rewards could play an important role in marketing BNPL services to underbanked people who aren’t accustomed to earning any rewards,” said Rutger van Faassen, an analyst with market research firm Curinos, according to American Banker.
Rampant cyber fraud targeting fintechs is testing banks' risk controls
S&P Global Market Intelligence
June 01, 2022
Different from the traditional underwriting model relying on credit scores, Grain's model takes into consideration broader payments records, not just the ones being reported to credit bureaus, said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos Inc. The goal is to extend credit to borrowers with lower or no credit scores.
Leveraging QR Codes for Mobile Marketing & Payments in Banking
The Financial Brand
April 06, 2022
“The QR code is very versatile, and just like anything digital, it got a big boost during the pandemic,” says Rutger van Faassen, an analyst specializing in innovation and new markets for Curinos, in an interview with The Financial Brand. “Think about how we now use it to pull up menus. And then you think about the Coinbase Super Bowl ad. It has gone a bit mainstream, now most people know what to do with a QR code.”
FDIC researchers say tech-savvy banks outperformed on PPP loans
American Banker
February 28, 2022
Banks that operate more like fintechs outcompete their more traditional competitors on certain financial products, researchers at the Federal Deposit Insurance Corp. found.
Cryptocurrency regulations needed now, insiders say
Capital.com
February 10, 2022
Rutger van Faassen, head of innovation, new markets, and industry ecosystems at New York-based data intelligence firm Curinos, said regulations are in flux globally as governments try to figure out which ministries crypto should fall under.
“That’s probably the starting point right there – it doesn’t squarely fit in anyone’s box,” said van Faassen, whose firm advises financial institutions.
The blockchain’s decentralised nature “clashes automatically with a centralised regulator,” making it more difficult for regulators to oversee crypto and “put themselves in the middle.”
Is crypto mining the next home heating trend?
Capital.com
February 08, 2022
Large-scale crypto mining operations have come under heavy criticism and regulatory scrutiny due to their large physical size and high energy requirements.
“I think (crypto mining) has created a lot of innovative solutions,” van Faassen said. “A lot of new ways of using renewable energy have actually poured into the crypto mining space. There was always that kind of stuff where (people say) ‘Oh, yeah, mining bitcoin takes as much energy as the Netherlands or Sweden uses in a year’.”
“But I think there have been a lot of developments there to say, ‘Hey, how can we do this in a renewable fashion?’ How can we mine and still not waste a lot of energy and (not) use energy that’s polluting?”
Fintech M&A deal tracker: Push to bundle, create 'super app' drives transactions
S&P Global Market Intelligence
January 06, 2022
"That sort of one-trick-pony or the solving-one-use-case is great to acquire people, but to keep them I think you need to keep adding things to it," said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos. "Then they also realize you can't really build everything. Sometimes it's smarter to just partner or acquire."
Fintechs scooping up banks to clear regulatory hurdles, accelerate growth
S&P Global Market Intelligence
December 20, 2021
The complexities of bank partnerships can worsen once the fintech passes the initial customer acquisition phase and seeks to expand beyond selling a single financial product. The push into new areas can lead to multiple partnerships for different functions, which increases costs for operations and compliance, said Rutger van Faassen, head of product and market strategy at financial data and consulting firm Curinos.
Growth-hungry banks see opportunity in home renovation boom
American Banker
October 20, 2021
As Americans continue to spend big on home improvement projects, banks are seizing the opportunity — both by embracing organic loan growth and by acquiring lenders focused on the renovation niche.
Three Key Trends Dominating the Auto Lending Landscape
The Financial Brand
October 12, 2021
This digitally-powered trend provides a big opportunity for traditional auto lenders to associate themselves with these platforms, says Rutger van Faassen, an analyst at data and consulting firm Curinos, which advises financial services companies.
“Community banks and credit unions need to make it a priority to have conversations with these online platforms, just like they are looped in with the F&I manager at dealerships,” van Faassen says, referring to finance and insurance managers.
Mexican fintech expanding into U.S. to finance crossborder trade
American Banker
August 17, 2021
Traditionally, companies that engage in U.S.-Mexico trade rely on specialized import-export financers or perhaps universal banks, said Rutger van Faassen, head of product and market strategy at
Curinos, a data and consulting firm for financial institutions. “In general, small businesses have been
underserved everywhere, around the world,” van Faassen said.
Banks to offer credit cards to people without credit scores
CNBC
May 19, 2021
“There’s always been a little bit of a catch-22 in the way the system has worked,” said Rutger van Faassen, head of product & market strategy for FBX at Informa Financial Intelligence. “You have to have a good credit score to get credit, right?”
Pay It Plan It From American Express: How to Use It
U.S. New & World report
April 28, 2021
Either option can serve two types of credit card customers, says Rutger van Faassen, vice president of consumer lending at Informa Financial Intelligence, a global intelligence analyst firm for retail bankers. "Transactors, who use their credit card to pay transactions and at the end of the billing period will pay off the outstanding balance, (and) revolvers, who hold a revolving balance at the end of the billing period."
The Pay It feature helps you keep your credit card balance low by quickly making payments through your American Express app. This option can be useful for either type of credit card user.
On the other hand, van Faassen says, Plan It is helpful for people who need to essentially take out an unsecured loan and repay a large purchase in monthly installments. You'll pay a fixed monthly amount through Plan It, including a baked-in fee, and you won't be charged interest on that purchase.
2021: The Year of Uncertainty
DeBanked
January 07, 2021
Another pandemic-driven change is that lenders have had to tweak their risk modeling. Everyone understands the economy is not in the greatest spot, but their challenge in 2021 will be developing a way to assess future losses in the absence of a baseline, says Rutger van Faassen, head of product and market strategy for the benchmarking and omnichannel research group at Informa Financial Intelligence.
Consumer behaviors have changed, for instance. So even though the pandemic will end, it’s too soon to say what the structural impacts on an industry will be and how that affects the desirability of lending to especially hard-hit businesses, such as restaurants, cruise lines and fitness centers. “Clearly the behavior that everyone is showing right now is because of the pandemic. The question is: how will people behave once the pandemic ends,” he says.
“In the meantime, a lot of lenders will have to do more in-the-moment decision-making, until we get to a point when we’re truly in a new normal, when they can start recalibrating models for the longer-term,” he says.
Marketing to the Next Generations
ABA Bank Marketing
January 05, 2021
Rutger van Faassen, vice president for consumer lending at Informa Financial Intelligence, a banking research firm, says that both of these younger generations show different behaviors and preferences. “They both are very comfortable with digital engagements and specifically mobile engagement,” van Faassen says. “Providing ways to engage with their finances through a mobile device is one of the ways banks engage with these generational groups.” Example: JP Morgan Chase has expanded its personal financial management snapshot tool to provide new insights to customers. These insights include debit and credit card usage, monthly cash flow and category spend tracking, which van Faassen believes will appeal to the savings-savvy young customers.
How Will Increased Privacy Regulation Affect Bank Marketing?
ABA Bank Marketing
November 03, 2020
Some financial institutions and third parties are hoping to sidestep regulations by steering clear of certain sensitive data. Rutger van Faassen, vice president of consumer lending for Informa, says that when it comes to capturing customer data, “We gather actionable data from lenders, no account or Social Security numbers. We’re looking for one-on-one targeting . . . the idea of the Holy Grail of the perfectly personalized offer.”
A crisis may spell opportunity, but it’s still a crisis. Look for digital acceleration and further consolidation as the post-Covid world takes shape
Global Finance
June 15, 2020
Online-only startups may ultimately team with private banks rather than challenge them for multimillion-scale fortunes. “You’re seeing more and more fintechs starting to rent out their platform,” says Rutger van Faassen, vice president of Consumer Lending at Informa Financial Intelligence in New York. “It’s a way to keep costs to a reasonable level.”
How Do Business Credit Card Balance Transfers Work?
Yahoo Finance
April 21, 2020
"Mixing business and personal finances can get complicated, especially if others are involved in your business or personal finances," says Rutger van Faassen, vice president of consumer lending at the research firm Informa Financial Intelligence.
Fireside Chat: The Importance of the Digital Shift in Small Business
Finovate Spring 2024
May 20, 2024
Don't miss Curinos' Director of Small Business Lindsay Burkhalter's must-see FinovateSpring session on industry changes that can't be ignored: "The Importance Of The Digital Shift In Small Business" on May 23 at 3:25 p.m. PST. Learn more: https://lnkd.in/gixn2ZnQ
Checking the Pulse: Home Equity Leading Trends & Insights
CBA LIVE
September 30, 2020
Informa will share their latest data on home equity lines and loans. National and regional
level market analysis will be presented.
In this session, you will learn:
* Valuable industry insights from near real time origination and portfolio performance
market data;
* How to leverage insights gained from competing in today's ever-changing home
equity market;
* Metrics surrounding: origination growth, product and geographic performance,
operational trends, competitive rate environment, branch productivity, portfolio performance and more
Leveraging Technology to Enhance the Customer Experience
CBA LIVE
April 04, 2017
The lending industry is failing to adopt new technologies and lagging behind. Join us to find out why process automation and artificial intelligence platforms pose the biggest threats and what the future of business processes holds. Institutions have the opportunity to improve processes and reduce operating costs, but they must leverage Big Data analytics and customer best practices. Explore the new emerging technologies and how to maximize their benefits.
Back to the Future: Home Equity Innovation
CBA LIVE
March 17, 2016
When was the last time you remember a rising rate environment? How about when lenders could focus on innovation? Just like Marty McFly, home equity to think about how to get back to the future. How will customer needs change in a rising rate environment? As Millennials become home owners, what will they be looking for? How can we innovate to improve the customer experience, improve efficiency, and streamline the process? This session will explore these opportunities and other emerging trends
What'd I Miss Top 3 week 46
YouTube - What'd I miss
November 20, 2024
The Top 3 items this week
1. Klarna files for US IPO
2. [NEW SPOTCAST EPISODE] BoI SPOTCAST with Gaurav Passi from Zingly.ai
3. [POLL Results] - what stage are you with GenAI? 41% is getting ROI
What'd I Miss Top 3 week 45
YouTube - What'd I miss
November 13, 2024
The top 3 items this week (week 45)
1. Capital One warns of possible CFPB enforcement action
2. [Money20/20] Reflections: Revolutionizing FinTech Innovation with NayaOne's Air-Gapped Digital Sandbox
3. Microsoft is building wooden data centers in its latest push to cut emissions - could this be the future of AI power?
What'd I Miss Top 3 week 43
YouTube - What'd I miss
October 25, 2024
Top 3 items this week
1. Procurement Startup Zip Valued at $2.2 Billion After $190 Million Funding Round
2. NEW Special Pre-Money20/20 PODCAST EPISODE
3. Santander Brings Digital Banking Platform Openbank to the US
What'd I Miss Top 3 week 42
YouTube - What'd I miss
October 24, 2024
The Top 3 items this week:
1. Stripe and Ramp NYC meetup great success
2. Discover CFO: Cautious Consumers Cause Slide in Card Volume
3. The most interesting unicorns to come out of Japan
What'd I Miss Top 3 week 41
YouTube - What'd I miss
October 14, 2024
This week includes the partnership between Fiserv and Zūm Rails on Open Banking, Big Banks and Neobanks jousting over lower-income consumers, and Plaid Introduces Pay-by-Bank Solution for Recurring Payments...
What'd I Miss Top 3 week 40
YouTube - What'd I miss
October 07, 2024
This week includes the acquisition of the subscription management platform Minna, State Street taps new BNY exec as head of Digital Assets and Wero set to become Europe's first unified payment solution...
What'd I Miss Top 3 week 39
YouTube - What'd I miss
September 30, 2024
This week includes First Bank CEO Patrick Ryan believes community banks need to attract more deposits to support increased lending, Google Paid $2.7 Billion to Bring Back an AI Genius and Figure says GPT is already upending the mortgage industry...
What'd I Miss Top 3 week 38
YouTube - What'd I miss
September 24, 2024
Key themes this week
1. Fed slashes interest rates by a half point, an aggressive start to its first easing campaign in four years
2. EverBank to buy Michigan’s Sterling Bank for $261M
3. JPMorgan in Talks With Apple to Take Over Credit Card From Goldman
What'd I Miss Top 3 week 36
YouTube - What'd I miss
September 08, 2024
Key themes this week
1. Klarna to use AI to halve workforce
2. (POLL Results) most organizations say they can make a Prime Rate change in all your organization's systems in an afternoon (48%)
3. Zilch Exceeds $130 Million in Revenue and Marks First Monthly Profit
What'd I Miss Top 3 week 35
YouTube - What'd I miss
September 01, 2024
Key themes this week
1. Klarna to use AI to halve workforce
2. (POLL Results) Extensive amount of time and effort required to prepare a board presentation (41%)
3. Credit Scores Without Debt? Fintech Cards Baffle Credit Industry
What'd I Miss Top 3 week 34
YouTube - What'd I miss Top 3
August 26, 2024
Check out the top 3 news topics for week 34 that got noticed in my LinkedIn feed.
This week includes the results of the POLL about the level of comfort and engagement with Blockchain Technology, Experian buys NeuroID and U.S. Bank acquires healthcare payments firm...
What'd I Miss Top 3 week 32
YouTube - What'd I miss Top 3
August 12, 2024
Check out the top 3 news topics for week 32 that got noticed in my LinkedIn feed.
This week includes the collaboration between Google and Greenlight, Bridget Engle joins Wells Fargo as new head of technology and the results of the POLL on the biggest challenge for credit unions...
What'd I Miss Top 3 week 31
YouTube - What'd I miss Top 3
August 04, 2024
Top 3 items that got noticed in my feed this week
1. GenAI Startup Rabbitt.AI, Founded by IIT-D Alum, Raises $2.1M
2. WesBanco to buy Ohio’s Premier Financial in $959M deal
3. POLL Results: How are you feeling about Open Banking? 50% is ready and knows what it is
What'd I Miss Top 3 week 30
YouTube - Banking on Information
July 28, 2024
Top 3 items that got noticed in my feed this week
1. Sibongile Ngako joins US fintech Brex as chief compliance officer
2. Truist Says Digital Onboarding Key to 42% Deposit Growth
3. POLL Results: Most people not (yet) ready to have financial advice conversation with a voice-assistant
What'd I Miss Top 3 week 28
YouTube - What'd I miss
July 13, 2024
This week:
1. JPMorgan warns 86 million customers they might have to start paying for their bank accounts
2. Bain Capital reportedly closing in on deal to acquire Envestnet
3. Embedded Lending Puts SMBs at Center of Financial Services Landscape
What'd I Miss Top 3 week 29
YouTube - What'd I miss
July 13, 2024
This week:
1. Google backs Indian open-source Uber rival
2. Barclays US Consumer Bank Launches Savings Product With Tiered Rates
3. POLL Results: Savings preferred approach to funding home renovation
What'd I Miss Top 3 week 27
YouTube - What'd I miss
July 06, 2024
The top 3 items that got noticed in my LinkedIn feed this week:
1. Apple co-founder Steve Jobs had a 'beer test' he would use for interviewing people at company
2. New York BNPL bill is dead, for now
3. Revolut soars to record profit
What'd I Miss Top 3 week 26
YouTube - What'd I miss
June 29, 2024
The top 3 items that got noticed in my LinkedIn feed this week:
1. Samsung Next invests in Curve
2. Revolut seeks $40bn valuation through share sale – FT
3. Nubank Accelerates AI-First Strategy With Hyperplane Acquisition
What'd I Miss Top 3 week 25
YouTube - What'd I miss
June 23, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I Miss Top 3 week 24
YouTube - What'd I miss
June 15, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 23
YouTube - What'd I miss
June 10, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 22
YouTube - What'd I miss
June 03, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 21
YouTube - What'd I miss
May 27, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.
What'd I miss top 3 week 20
YouTube - What'd I miss
May 21, 2024
The three news articles I have shared this week at the intersection of Finance and technology that got most attention and engagement in my LinkedIn feed.