Banking Insights

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Blog: How Data Sharing is Changing the Definition of Banking

The increased competition from fintechs has forced financial institutions (FIs) to innovate, improve their offerings and their customer service, and in some cases lower their costs. Open banking will continue to change how consumers view their banking options, providing opportunities and posing challenges to FIs, merchants and card processors.

Blog: Buy Now Pay Later and the Future of Credit

What forces are revolutionizing the (not so modern) world of Buy Now Pay Later (BNPL) purchasing? When retailers needed a way to empower consumers with the confidence to buy online during the COVID pandemic, it’s no surprise they turned to fintech companies to help them (and customers) reach that critical point of sale.

Blog: The API Economy is Revolutionizing How People Think About Money and Finances

The API economy that FinTechs have taken advantage of gives a glimpse into how consumers will think about money in the coming years. A fully connected ecosystem that can seamlessly integrate new payment types, new authentication methods, and new channels will be essential to both attracting and retaining, consumers.

Blog: QR Codes – Changing the Consumer Experience in Banking

Our Customer Experience Team recently conducted consumer interviews designed to explore changes and concerns with the ATM experience in a post-COVID world. By analyzing people’s experiences with contactless technologies, like QR codes and NFC, we determined consumers are not only comfortable with the adoption of these technologies, but expect to see them incorporated into their ATM experiences. Read on to see the key findings of these interviews.

Blog: Keep the Change - How fintech is blurring the line between transaction and payment

Vendors and service providers will continue to seek out ways to optimize their transaction flow and customer experience and to save the costs associated with credit card payments. What does this trend mean for banks and credit card issuers?

Blog: Breaking the Payments Status Quo

The heart of a payment is the processing of a transaction. Today we’re seeing alternative methods, payment instruments and various tokens entering the market with accelerated pace. If FIs want to stay in the game, they need to modernize their payments systems to become flexible enough to derive value from the new API-driven ecosystem.

Blog: Is your Payments Platform Approaching its “Effective End-of-Life”

How do you know if your payments platform is at its effective end-of-life? What should you be looking for in a future-ready payments platform? Are you ready to take your payments platform into the future? Continue reading for answers to these questions and more.

Blog: Security in the Shadows of COVID-19

While fraud comes in all shapes and sizes, during the pandemic, criminals switched up some of their tactics. With stay-at-home orders and travel restrictions in effect in-person, ATM attacks actually dropped. In contrast, online, cyber-based attacks increased. As we see economies reopen, stay-at-home orders expire, and travel restrictions lift, in-person fraud is beginning its uptick once again. And that means you need to be armed with the best possible protections.

Blog: The cloud promises unprecedented agility, and the time to create a roadmap is now

We’ve only just scratched the surface of what the cloud can do for the financial industry. To gain the agility to compete in the modern banking environment, financial institutions need to build and invest with the cloud in mind. If you’re not yet on the cloud path, now’s the time to create a roadmap. In part 2 of this blog series, we outline the steps that can help you get there.

Blog: The New Frontier in Banking

The paradigm shift from a legacy to a cloud-based environment is a significant one, and fear of the unknown can undermine comfort and confidence, quickly stalling cloud conversations. But for financial institutions to nimbly deliver the kind of experience consumers increasingly expect, they must embrace the agility that can be gained through the cloud. In part 1 of this blog series, we discuss the misperceptions and benefits of a cloud-based strategy.

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