Women in FinTech: It’s Time to Jump Right In

As part of Finovate Live, and our #WomeninFinTech series, we sat down with Mary Wisniewski, Consumer Banking and Fintech Reporter at Bankrate, to get her take on the fintech industry, looking from the outside in, and what she thinks can be done to help close the gap and get more women into the sector.

Mary will be chairing the Digital Banking stream at FinovateSpring in San Francisco this May. Find out more about how you can get involved.

Finovate: How did you start your career?

Mary Wisniewski: I started my journalism career by writing about high-end jewelry for a business audience. Then I stumbled into writing about tech that debt collectors use to collect arrears. After that, I found myself blogging about fintech for Bank Innovation. Since then (and + 10 years), I haven’t parted ways with the fintech and digital banking beat.

Finovate: Why is fintech an exciting industry to be a part of in 2019?

Wisniewski: Because of the possibilities. There’s so much promise for fintech to help improve traditional banking products and services for consumers – including by revamping the credit score system. That’s huge. As a reporter, I find the industry fascinating to cover. Banking is in the middle of an existential crisis, and the story possibilities are endless.

Finovate: What is your prediction for fintech over the next 5 years?

Wisniewski: The way consumers share their data to use fintech services – and/or get products – will continue to move away from requiring them to hand over their bank user names and passwords. As the model evolves and banks use APIs over screen scraping, we must all stay tuned to the risk of banks calling the shots of what data they share or don’t share. We also need to pay attention to how inclusive the new data-sharing model is.

While there are a lot of headlines about banks and fintech companies working as partners more than ever, I believe it’s not quite so cheery as that. There are a lot of battles ahead.

Finovate: Do you think we see too few women in fintech?

Wisniewski: Yes. There is a gender imbalance. Just look at the empty women’s bathroom lines at conferences as evidence. In fact, this issue is something I blogged about in 2015 for American Banker. I could re-post this again today – my points remain the same.

Finovate: How can businesses better attract and retain female talent?

Wisniewski: This question is a hard one to answer, so I also sought input from a pro and my pal, Bonnie McGeer, the executive editor of American Banker. What follows are some actionable ideas – some from her and a couple from me – all of which I support:

  • Make sure women feel respected in the workplace – and that includes with raises. It also includes supporting their ideas with budget.
  • Avoid “bro club” vibes, including by not making women the butt of jokes. Comments like “you’re a lot better looking than the last guy sitting here” need to stop, too.
  • Require all those in leadership to be an official mentor/sponsor for one year to at least two employees (one male, one female) who are relatively new hires.
  • Go beyond golf for networking opportunities.
  • Make diverse hiring/promotions a component of annual evaluations for every manager that does hiring, and make poor performers on this component ineligible for raises/promotions that year. If women are at 10% overall of hiring/promotions for a particular group, that’s not acceptable.

Finovate: What advice would you have for women starting their career in fintech?

Wisniewski: Jump right in. You’ll get annoyed at times. But there are so many wonderful people in this industry – connect with them, at events and on Twitter. Also, don’t feel intimidated. Yes, there are people who have worked in fintech for a long time. But you’ll have something to offer they might not. You’ll feel in your zone soon enough. If you do get nervous, don’t underestimate what a power song can do before speaking to someone.

Can Your Bank Deliver a Better Customer Experience?

Can Your Bank Deliver a Better Customer Experience?

Steven Ramirez, CEO of Beyond the Arc, explores why customer experience has jumped to front of mind for most banks, and why there is no silver bullet to solve poor customer experiences. Success, he explains, is a medley of understanding your customer, deploying new technology, and keeping your staff happy, too.

Steven will be chairing the Customer Experience Summit Day at FinovateSpring this year in San Francisco, May 7 through 10. Find out more about this deep-dive day, or the full event.

Five years ago, no one in financial services was talking much about customer experience. Customer service? Sure. Customer satisfaction? Perhaps. But organizations weren’t equipped to examine the entire lifecycle of interactions that a person has as they learn about a bank, explore its products, become a customer, manage an account, and perhaps ultimately decide to leave or stay.

For one thing, the siloed nature of many organizations doesn’t create an incentive to think about a customer relationship holistically. Fast forward a few years, and much has changed. Banks and credit unions realize that they are essentially in a commoditized business. They understand that with so much similarity in products and services, one of the only ways to differentiate is based on the experience they deliver. But therein lies the challenge: what investments in technology, processes, and talent are most likely to improve customer experience?

Technology companies like Amazon, Apple, and Google have disrupted a range of industries from advertising, to retail, to computer hardware. In 2019, they’ll increasingly target financial services. With this growth in TechFin, we can expect to see the creation of financial experiences, not just new products or services. The way people receive a paycheck, spend it, and save for the future will be technology-enabled to better reflect their personal needs and long-term goals.

This means you can’t just plug-in a new technology and hope to transform.

The importance of customer understanding

Your first investments need to be in better understanding your customers—both the ones you have today, and the ones you hope to attract in the future. In a recent study about innovation, only 18.3% of companies identified themselves as a Digital Leader. And on a similar note, just 29.5% said they were very excited about “their ability to adapt over the next three years.” Critical to both is the necessity to know more about your customers, and their needs, than ever before. With the explosion of data, and the tools to derive insights from it, you can now improve customer experience by spotting previously undiscoverable trends and taking action. You can see how machine learning, cloud and edge computing, and more robust data integration capabilities could play a role.

Personalization at scale

Investments in customer understanding help to fuel progress in personalization. Cutting-edge marketing from ten years ago emphasized the importance of sophisticated segmentation. Today, your customers want to feel like you’ve tailored your offering to meet their unique requirements. An important implication of this is that you need to communicate with the audience of one.However, you need to do this at scale for thousands, or millions, of people. Each person, as an individual, must feel that you are considering their needs, and only their needs, when they interact with you. Predictive analytics can enable real-time solutions that match customers with the most appropriate products and services, at just the right time for them.

Improve employee experience to improve customer experience

As Beyond the Arc strategist Michelle Espinoza notes in our recently published CX trends article, “Companies are focusing so intensely on CX, they’re losing sight of the employee experience.” She goes on to note that, “just like Amazon set the bar for CX, we can expect to see companies emerge that set the bar for employee experience as well.” I can think of several leading companies that get this right: Disney, Zappos, Ultimate Software (a BTA client), Salesforce, and others. What will it take for your bank to make this list? And what tools and technology might help to ensure your success? Machine learning can help tie your recruitment process to key success factors for various jobs. Business intelligence, real-time alerts, and robotic process automation (RPA) can help you to report on, and streamline, operational conditions so your employees can remove customer pain points.

Tech, transformation, and the future of CX at your bank

Unfortunately, there’s no simple recipe to transform customer experience. If there was one, your raw ingredients would include better customer understanding, personalization, and employee engagement. In their book Outside In, Kelly Bodine and Harley Manning argue that there are billions of dollars at stake. They cite the example of Fidelity: when clients had a good experience, they invested 4.5 times more with the firm than people who did not, amounting to billions in incremental assets every year. And telecom provider Sprint saved $1.7 billion from averted customer service calls per year. Technology can certainly help you to acquire vital new capabilities. But to achieve success, your bank will need to treat CX as a core business process, focus your resources on measurable improvements, and invest in both people and technology.

More resources:

Who is Beyond the Arc?

We help companies apply innovation to attract customers, improve customer experience, and develop data-driven strategies. From telling your story in clear, compelling ways in digital and everywhere else, to unlocking business value with data science, AI, and machine learning, Beyond the Arc has got you covered. Follow us on Twitter @beyondthearc.

Next Generation Fintech

As part of #FinovateLive, we bring you a round-up of all the best insights from FinovateEurope 2019 and beyond. Find exclusive interviews with Julian Sawyer, Starling Bank, Giuliano Montemagno, Amazon Pay and Thierry Derungs, BNP Paribas Wealth Management, as well as analysis from our Finovate team. Read the latest eMagazine now!

And don’t forget to take your time browsing through the Finovate blog, to discover more #FinovateLive specialist content, on top of our regular fintech news, updates and industry commentary. It’s not to be missed.

2019 U.S. Wealth Management Outlook: The Old Guard And Fintech Cozy Up

2019 U.S. Wealth Management Outlook: The Old Guard And Fintech Cozy Up

As part of the #FinovateLive series, April Rudin, Founder and CEO of The Rudin Group and global wealth marketing strategist, explores the current wealth management space, and why this year the industry looks set to merge closer with fintech, as incumbent players realise they need to embrace technology to meet demands of younger generations. 

The old guard wealth management industry and fintech have kept each other at arm’s length for years, claiming the other lacks the tools to meet current client needs. But in 2019, we expect they’ll put past differences aside and finally cozy up to each other.

“Partnerships” will be the buzzword for the new year as incumbent players realize they must embrace tech to meet the demands of their millennial clients, while so-called fintech players realize sometimes clients really do want the intimacy of a face-to-face meeting.

As proof of concept, look no further than Morgan Stanley’s recently announced bid to buy Solium Capital in a $900 million all-cash deal – its biggest acquisition since the financial crisis.

By snatching up the Canada-based employee stock plan administrator, which counts Hootsuite and Dropbox among its clients, Morgan Stanley hopes to facilitate a path to draw millennials into its wealth management practiceSolium, meanwhile, receives the backing of one of the largest banks in the United States.

We expect to see more of this in 2019 – whether it’s outright acquisitions of smaller players or strategic partnerships between incumbents and fintech players.

With the $30 trillion generational wealth transfer in its early innings, pure-play robo-advisers are finding that their algorithmic services aren’t enough to win over millennials on the brink of their asset accumulation years. A robo-adviser may be sufficient when a plan is in place, but fintech and artificial intelligence (AI) have yet to replicate the insights gleaned or the comfort level achieved through one-on-one conversations. This is especially true for young families balancing student loan payments, first homes, and education planning for young children.

Even my millennial son told me he was frustrated that robo-advisers kept being pushed on him when he really wanted a human adviser to help him navigate through the world of investments.

But it’s not just the robo-advisers that gain from partnering with incumbents. Traditional wealth managers also benefit by having their services buttressed by fintech players. It’s no longer an all-or-nothing dance between the two: Incumbents can leverage in-house technology to spend more time forging meaningful client relationships. What we’re seeing in 2019 is that an industry once known for its left-brained quantitative skills can now work the right side of its brain – all thanks to technology, ironically.

Clients will soon be benefiting from hybrid advice. While algorithms can quickly churn out portfolio options that advisers previously spent days crafting, advisers today can use the time saved to think more critically about their recommendations. Rather than prescribing financial advice, they can embrace a more holistic approach to determine what their clients want and how they feel about their portfolio and wealth.

But the expected partnerships in the wealth management industry don’t just apply to adviser-client dynamics. Total investable assets in North America are expected to grow by nearly 10%, to $28.8 trillion by 2021, according to a 2018 Ernst & Young study. And that wealth is not just concentrated in a mix of stocks and bonds. The era’s low interest rates have compelled households to allocate some of their wealth to alternative asset classes. For this reason, advisers need to know how to manage and analyze diverse holdings.

And as the wealth management industry continues to grow – both in terms of assets and clients from the wealth transfer – it will need to attract a young, engaged workforce to meet increasing and evolving demands. Analog solutions won’t cut it in a digitized world, especially when it comes to luring talent away from Silicon Valley. While many firms previously relied on a patchwork of legacy systems to conduct business, today’s younger workforce wants clean, reliable interfaces to complete their work.

We expect to see increased intergenerational team partnerships in the wealth management industry. After all, the “average” adviser is 55 – and perhaps thinking of their own retirement. We anticipate they will be leaning on their younger staffs and calling on their expertise. While advisers may have the years of experience, younger employees – and digital natives – will know new ways of reaching existing clients and prospects.

The room for partnerships in 2019 extends throughout the wealth management pipeline. From mergers between incumbent and fintech players to generationally diverse teams amid the wealth transfer, it’s clear we’re moving from conversation to commitment.

This article was originally published on CFA Institute, February 2019 >> 

Hear It From the Experts: Why It’s Riskier to Not Take Risks

Hear It From the Experts: Why It’s Riskier to Not Take Risks

As part of the #FinovateLive Digital Week, we bring you exclusive interviews with the leading minds in fintech. Hosted by David Penn, Finovate Analyst, and William Mills, these interviews cover a range of topics, from why it’s riskier to not take risks when it comes to retail banking, to whether or not robots are going to need passports in the future (hint: they will!), to what trends these experts are keeping a close eye on this year.

Brett King, CEO and Founder of Moven, on what the most disruptive technologies in history all have in common

Have you signed up for Brett’s webinar yet? 

 

Jim Marous, Co-Publisher of The Financial Brand, on why we need regulators to regulate for change

Have you signed up for Jim’s webinar yet?

 

JP Nicols, Co-founder of FinTech Forge, on why we’re not in the era of agility

Have you signed up for JP’s webinar yet?

 

Dave Birch, Global Ambassador of Consult Hyperion, on the future of AI and robotics

Finovate Live: Digital Week

Finovate Live: Digital Week

Welcome to FinovateLive! Tune in between 19 – 21 March to delve deeper into the biggest issues impacting the finance sector.

FinovateLive! will feature expert discussions via a series of interactive webinars, whitepapers and articles to shed light on the areas most ripe for innovation. The program will also highlight the technologies that have the potential to transform the entire banking, payments, insurance and investment industries. Catch the future of fintech in real-time from the comfort of your desk with our exciting agenda built around business challenges and innovative solutions.

Agenda

Tuesday 19 March

Hear from Jeremy Balkin, as he showcases how doing things differently adds value and truly transforms business. We also put forward the question: “Is innovation essential in banking?” and look to get Jeremy’s take on how to create touch points and deepen long term personalized human relationships in a highly technology driven environment.

Featuring: Jeremy Balkin, Head of Innovation, HSBC

 

Wednesday 20 March

In this webinar, Clara takes a practical approach to developing an AI strategy. She discusses why designing a long term AI strategy is essential, and why patchwork innovation with AI is not going to pay off. The discussion will draw from Clara’s direct experience working with decision makers, as well research lifted from her upcoming book on how AI is transforming financial services.

Featuring: Clara Durodié, Executive Chair, Cognitive Finance Group

 

Banks are in trouble. Every  modern bank dependent on branch revenue is in virtual survival mode, hoping for a miraculous reversal of emerging customer behavior. Brett King, discusses the future of banking and fintech, finally deciding which banks will make it, and which won’t.

Featuring: Brett King, CEO & Co-Founder, Moven

 

Thursday 21 March 

In this webinar we’ll focus on the findings of the just released 2019 Retail Banking Trends and Predictions research, published by the Digital Banking Report. The report is now in it’s 8th year and combines insights from a crowdsourced panel of more than 80 industry leaders and a quantitative survey of more than 300 financial services organisations worldwide.

Featuring: Jim Marous, Co-publisher, The Financial Brand

 

In the last webinar of #FinovateLive, we speak with JP Nicols, Managing Director at FinTech Forge about the fintech revolution, why banking hasn’t yet been ousted by apps and wearables, and what has been seperating the winners and the losers in fintech.

Featuring: JP Nicols, Managing Director, FinTech Forge

 

Webinars have been editorially curated by Adela Knox, Editor in Chief, Finovate Digital Week.

More than just webinars

During FinovateLive, we’ll also be bringing you expert insights and exclusive interviews.

The decisions your bank makes today could have major implications on how you stay competitive—for years to come. Developing one app or digitizing a process might appear to suffice, but that is just the tip of the iceberg. It’s time to align your bank’s digital transformation strategy with the entire customer lifecycle by providing a personalized omnichannel experience. The result? Your bank improves customer satisfaction, increases customer retention rates, and drives overall customer profitability.

OutSystems enables a genuine end-to-end digital transformation. With our versatile and flexible low-code platform, you can leave behind an organization based on product lines and build experiences that focus on the customer and give you a competitive edge.

Download this OutSystems report to find out how to move your bank from a product-driven organization to a customer-centric one. Interested for more?  Check-out the Outsystems Digital Banking video too >>

Don’t  miss our eye-opening interviews and thought-leadership from prominent women in the fintech landscape. Featuring April Rudin, Founder & CEO of The Rudin Group and Mary Wisneiwski, Consumer Banking and Fintech Reporter at Bankrate, we discuss the trends impacting the fintech landscape and hone in on what the industry can be doing better to attract, retain and advance female talent.

Join the conversation with #FinovateLive 

FinovateEurope 2019: Find the Next Big Thing

Over 1000 fintech professionals joined us in London for FinovateEurope 2019. We saw the best of the Europe’s fintech through unique, short-form demos and learned from expert speakers on banking, regtech, payments, customer experience, investech, open banking and AI.

We’ll see you next at FinovateSpring, returning back to San Francisco this May 8 – 10. Find out more about our demoing companies, our expert roster of speakers, and our cutting-edge agenda.

How to Compete in the Fast-Growing Digital Lending Market


The digital lending market is rapidly expanding, growing at an impressive 47% CAGR, spurred by venture capital (VC) investment, according to the new whitepaper, European Digital Lenders: How operating efficiency is helping digital lenders attack a $150 billion annual origination market across the Eurozone in 2018, from analysts at the Fintech research practice, Autonomous Next. The UK alone has an origination market of $6.6B, while across Europe, the addressable market is $150B and revenues are estimated at $400m. This represents a sizable opportunity for a competitive market that includes new entrants and incumbents alike.

Lenders who want to remain competitive need to drive efficiency through digitisation

But while the market is growing quickly, the whitepaper reports that digital lending’s share of the total addressable origination market is still relatively low – especially given the size of the opportunity.

This discrepancy is attributed to the competitive nature of this new, but rapidly expanding, market. To remain competitive and profitable, lenders need to drive efficiency through digitisation. Efficient onboarding and servicing using digitised workflows, such as digital identity verification technology, are being used by both new entrants and incumbents to boost competitiveness by ensuring regulatory compliance, improving speed, and reducing the cost of customer acquisition. In fact, the report finds that digital identity verification can reduce KYC/AML costs by up to 70%, and improve speed by 80%.

Aplazame, an instant consumer financing company based in Spain, illustrates an ideal example of increase in customer acquisition by way of digitisation in their case study. Spain sees massive online shopping cart abandonment, with over 69% of carts abandoned, representing a missed total of approximately 46 billion euros. In order to capture these lost opportunities, Aplazame needed to correctly, securely and quickly verify the identity of customers who applied for credit. After adopting a secure, easy-to-use identity verification solution, they were able to verify a customer’s identity in less than 20 seconds, allowing them to offer instant, secure and streamlined financing – and ultimately achieving a 20% increase in conversions.

Improving customer acquisition and reducing KYC/AML costs

The report also highlights the speed of onboarding as another competitive factor as processing times have been drastically reduced in the digital world – from a traditional six weeks to a matter of minutes. However, while digital lenders have increased the speed of onboarding, their costs of acquiring customers hasn’t budged. On average, acquisition costs remain at $300 per customer, which includes as much as $150 to run KYC and AML checks.   Another stumbling block many digital lenders face is the high cost of their capital is preventing digital lenders from competing with incumbent banks on price – and this cost isn’t likely to drop anytime soon, so a savvy digital lender has to figure out how to be as efficient as possible.

However, it’s not all doom and gloom. Smart digital lenders are starting to harness their lower operating costs to their advantage. For digital lenders, reducing costs is paramount to offering a real alternative to traditional banking providers. Where digital lenders must also play catch up is with security – and digital identity verification has the potential to be the tool to make this happen.

For digital lenders, mandatory KYC and AML checks are still largely manual, building delays and inefficiencies into the onboarding and vetting process. Combine these delays with high costs per customer, and the clunky process can prevent digital lenders from competing with incumbent banks on price. To gain an edge on their competition, digital lenders are investing in identity verification solutions, which provide an opportunity to massively enhance the efficiency of the onboarding process in terms of both speed and cost reduction. Diminishing inefficiencies and offering better prices can help drive a more ideal customer experience and help to garner some market share away from traditional lenders.

Digitisation can benefit industries beyond lending

Businesses from other industries, from online marketplaces and sharing economy platforms, to innovative financial institutions like challenger banks and money transfer services, are following suit as they realize that the right identity verification solutions can help them achieve compliance, reduce fraud, onboard more customers quickly, create trust and safety, and promote brand integrity.

For example, global money transfer company MoneyGram deployed Mitek’s Mobile Verify® to aid their organization in reducing friction, speeding up the verification process to service more customers faster, and to fulfill regulatory requirements. As a result, MoneyGram saw a 20% reduction in fraud loss and, more specifically, an 80% reduction in account takeover fraud – as well as a more than 70% increase in ID acceptance rates.

In addition to reducing fraud and creating a safer platform, proper identity verification tools can help many types of businesses more quickly build their customer base. When blockchain payment pioneer Nocks began using digital identity verification, they achieved an onboarding speed of 5 minutes and drastically reduce its abandonment rate, enabling them to grow their customer base by 214% in just six months.

In this new economy, businesses need to prioritize their digital processes to respond to consumers and regulations. Digital identity and onboarding, in particular presents lenders and savvy financial institutions the chance to improve customer acquisition funnels, improve margins, mitigate fraud risk, and meet regulatory requirements while delivering a fast and secure digital user experience. In the end, those businesses that seize on the opportunity that digitization offers will be the ones who hold the key to success in the age of digital only lending and finance.

Download the Autonomous Report and find out more about how to drive success with digital identity.

DSwiss, Digital Safes, and the Principles of Privacy By Design

Ahead of FinovateEurope in London next week, we talked with Tobias Christen, CEO of Zurich, Switzerland-based DSwiss, about his company and its flagship digital safe technology that supports the long-term secure, safe-keeping of personal files and passwords.

DSwiss was founded in 2008 and most recently demonstrated its technology at FinovateEurope 2018.

Finovate: Banks offer an adapted version of your digital safe directly from their online banking portals. But why would people want to save passwords and files with their bank?

Tobias Christen: A recent PwC-survey concluded that banks are amongst the most trusted organizations when it comes to privacy and cybersecurity, outranking healthcare providers, nonprofits, and online retailers. This only confirms our own experience: Increasingly, people are looking for a trusted partner that can help them keep important data safe. Banks are really well-positioned to act as that partner because of their long history as custodians of wealth.

The study also revealed that only 10% of consumers feel they have complete control over their personal information. In my opinion, that’s because they started out making the mistake of saving everything with companies whose business model was to sell data. There’s nothing wrong with using social media, iCloud or Google Docs but we’re seeing a growing understanding that not all data is made equal. Some documents are worthy of a superior protection – copies of ID papers, financial documents and passwords for example – and people are really looking for a safe alternative to store such data.

This is where a digital version of the bank safe seems like a very logical place to go. People feel safer storing essential data here because the business model of banks is not based on selling customer data but rather on their ability to keep such assets safe.

Finovate: How do you keep up with consumer demands and ensure that the digital safe stays relevant to them?

Christen: We’ve had a two string approach to that. On the one hand, we develop and market our own B2C solution called SecureSafe, which has more than 1 million users. Being behind our own B2C solution gives us direct access to highly valuable user feedback. Due to the popularity of such services as Dropbox, SecureSafe users started asking for more advanced file sharing and sync capabilities. We responded with secure sharing and encrypted sync functionality.

On the other hand, we’ve established a highly collaborative approach to the digital safe. Since our first private and cantonal bank clients joined us in 2009, DSwiss experts have joined forces with banks to develop strategic features that fit their particular needs. In 2011, we started to work on a patented single sign-on technology to allow for smooth integration of digital safes in online bank portals. eDelivery for the safe transfer of bank documents directly to clients’ safes followed soon after. After entering our first collaboration with a major bank in 2015, we’ve been able to speed up the collaborative product innovation.

Our latest innovation combines original meta-data that is passed along with documents (or requests) and data that is extracted with rule-based and machine-learning-based algorithms. This might sound very technical, but at Finovate London 2019 we’ll show you how it makes onboarding for a mortgage a lot faster and easier for bank clients. Ultimately, this feature makes any interaction between bank advisor and end-client user-centric. This fosters customer loyalty and helps a bank stand out to prospect clients.

Finovate: How do you keep up with security demands from your bank clients?

Christen: Banks have always been focused on a particularly high level of security and are understandably cautious when it comes to collaborating with fintechs. However, DSwiss was built on the principles of privacy by design from the get-go. We’ve employed zero knowledge architecture, double encryption and triple data redundancy since the very beginning. In particular, our zero knowledge architecture takes the confidentiality protection, which banks generally implement, to the next level. Throughout the years, we’ve been so fortunate as to work with banks of all sizes, both private and retail. That has enabled us to build up a lot of experience with the specific regulations that concern banks, such as GDPR.

Finovate: According to you, what are the biggest challenges to online security and privacy protection today?

Christen: In the old days, cyber criminals were quite often isolated individuals with limited financial resources. They were principally motivated by curiosity, pride or revenge. Today, the offenders are mostly motivated by economical perspectives and they are often engaged by governments. This means that we increasingly see well-organized and well-founded groups at work.


Watch DSwiss and dozens of other innovative fintech companies demonstrate their latest technologies live at FinovateEurope 2019, 12-14 February at the Tobacco Dock in London, U.K. For more information, including how to buy your ticket and save your spot, visit our registration page today.

Defuse the Ticking Time Bomb of Data

Data is a valuable asset to your business – driving competitive advantage and transforming the customer experience. However, most organizations are unable to leverage it.

Join us on Thursday, March 14th for a case study on Using Smart Technologies to Modernize and Transform the Customer Experience in Banking. Norman Wren, former Director of Technology and Operations at Santander, and Dave Jones, Vice President of Product & Industry Marketing at Nuxeo, will show how to defuse data issues by using smart technologies like AI, micro-services, and modern content services.

In our latest Finovate webinar, Wren and Jones will discuss real world examples of practical business applications and solutions that can help you:

• Leverage existing data systems
• Drive value from unstructured data
• Have flexible, yet secure, and auditable data
• Remove obsolescence, reduce costs, and maintain compliance

Register today to learn how to modernize the customer experience in banking with smart technology and turn your data into a valuable asset.

Featuring:

 

Norman Wren, Financial Services Consultant; Former Director of Technology and Operations, Santander

Wren is a senior financial services executive with over 20 years’ experience operating at the board level, in complex and challenging regulated organizations. He has a wealth of experience in leading transformational change and delivering digital transformation projects for global companies including Santander, AXA, and Barclays and consulting with Anderson Consulting.

 

Dave Jones, Vice President of Product & Industry Marketing, Nuxeo

Jones is VP of Product Marketing for Content Services at Nuxeo. He is responsible for developing the global go-to-market strategy and execution plan for Nuxeo’s modern enterprise Content Services Platform.

 

Register now >>