Archive for the ‘Uncategorised’ Category

Speaker interview: Paul Rohan

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Paul Rohan, Rohan Consulting

How will the increased use of open APIs shape the financial services landscape, and how will it impact different market players, both in the short- and long-term?

The API Economy is a set of business models and channels based on secure access to functionality and exchange of data between businesses. It looks likely to revolutionise how data and services are distributed in many industries over the long term, including banking. This type of radical change will change business plans, patterns of behaviour and market positions in the banking industry. In the longer term, the API Economy also seems to be asking bankers to reflect on their core strategic perspective i.e. “what business are you in?”

In the shorter term, banks will struggle to respond to the API Economy. Banking is a mature industry with many monolithic systems and divisional organisational structures. Open APIs are quite different to own-brand products in mature industries. The monetisation goals for Open APIs will have to reconcile with the goals of own-brand products. Mature industries with very established patterns of pursuing profits at divisional level will struggle to see where they will capture value from Open APIs. Finance teams in mature and profitable industries will prefer specific and tangible revenue strategies from Open APIs rather than strategies that promise market influence and market profile.

Which activities should banks be prioritising, in the wake of open banking?

All mature service businesses need to prioritise investments to develop modular software with a microservices architecture. Under-investment by mature firms in Services Oriented Architecture will act as a constraint to their entry into the API Economy.

To be successful in the technical challenge, banks also need to look at the sociological factors in organisational design. If firms in mature industries ignore these sociological factors, they are unlikely to succeed. Older businesses that were not born in the networked economy can be excessively focused on the downside risk of data travelling out to third-parties. Non-technical teams in mature industries with a business development responsibility need to be trained in API Product Management and API Monetisation methods. Understanding and managing the relationship with a community of external API Developers is an entirely new discipline for a mature business. If commercial teams in banks try to repel substitute products from their ecosystem, they will inhibit the development of complement products. Employees in all mature businesses will need role clarity to act and thrive within new organisational directions.

Speaker Interview: Nick Caley

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Nick Caley, Head of Financial Services & Regulatory, ForgeRock

Why has digital identity technology become a critical solution for the financial services industry?

Creating engaging customer experiences has become a critical success factor in determining the winners and losers in the rapidly evolving financial services industry. New market entrants and startups across many different sectors have disrupted established players and stolen their market share due to a laser focus on user experience, convenience and better value. Digital identity is a fundamental element of creating a seamless customer journey across lines of business and different types of channels, be it web, mobile, contact centre or a growing ecosystem of partnerships. Given the regulatory demands of Know Your Customer, Open Banking, and the EU General Data Protection Regulation (GDPR), digital identity helps financial services organisations not only get in compliance but also develop innovative new products and services to stay competitive.

How will the increased use of open APIs shape the financial services market?

A new payments business model will become available to banks once open banking takes effect. By opening up API access to the traditional structures that have dominated financial services, open banking and PSD2 create opportunities to condense the payments value chain. This allows the customer to seamlessly make payments, with authentication options such as facial recognition and fingerprint sensors ensuring payments remain secure. Another new entity enabled by PSD2 and open banking is the Account Information Service Provider, which is focused on the vast potential of transaction data to provide real insights about customers. This offers an opportunity for a deeper level of customer engagement, delivering a different experience from the online bank statement and inviting customers to engage with their own financial wellbeing.

Which activities should banks be prioritising in the wake of open banking?

To lay the groundwork for stronger, more trust-based customer relationships, banks should focus on convenience, choice and control. Time wasting and duplication of effort need to be swapped out for convenience if organisations are to take advantage of open banking. It’s now about redesigning the customer journey and delivering a seamless, context-aware customer experience, enabled by secure methods of authentication, biometrics and authorisation. Choice is also vital. Open banking is designed to give customers greater flexibility. Banks should embrace this and use it to gain an edge over their competitors. This means not just complying with regulations at a surface level, but going beyond that and offering real value and choice to the consumer. Banks have a distinct opportunity to extend identity assurance to a wider system that covers customers’ different life stages and needs. Lastly, putting customers in control of their own finances is essential through establishing a system and culture that treats customer data as a shared asset, giving users transparency and control over how and under what circumstances their information can be used.

What opportunities does Open Banking present, and which commercial strategies will thrive in the new environment?

Financial services firms have a tremendous opportunity through innovation and collaboration to extend trusted identities and their attributes to new services and develop further revenue streams. I expect to see the provision of highly customer-centric, digital financial services portals that leverage customer insight gained through access lead to a more complete view of a customer’s financial transactions. Such services can enhance customer loyalty as well as open new revenue opportunities for both banks and Third-Party Providers (TPP’s).

How can firms overcome the security concerns associated with data sharing?

With a modern digital identity platform, financial institutions can protect against malicious attacks and identity fraud through multi-layered security models. Through contextual authorisation and adaptive risk features, organisations can verify the authenticity of users, devices and things continuously throughout a session and mitigate risk whenever an anomaly is detected. Integrating identity context within the security response capability allows financial institutions to monitor users and their activity, with alerts for changes to identity and access behaviour in user activity reports. With identity, there is an opportunity to develop a mutually beneficial value exchange built on trust. In return for a richer user experience, customers will share more data if they can trust what will be done with that data.

What are the best strategies to encourage customer engagement?

Organisations can use the management of consent to earn a far greater degree of customer trust by giving customers control over who gets access to their data and for how long. In this way, digital identity powers a far more effective digital transformation as organisations gain a better understanding of their customers when they share actionable information on preferences, habits and choices. This can be used to create authentic, engaging customer experiences that contribute to loyal customer relationships.

Open Banking Summit 25 April 2018 London

Nick Caley will be joining us for the Open Banking Summit. This high-level, interactive forum will bring together senior-level professionals from all corners of the open banking space.

CONTACT US to secure your place

[Free Webinar] Accelerate Open Banking With APIs, Strong Authentication And Risk-Based Security

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Following the successful Open Banking Summit 2018, ECN is pleased to host a webinar on Accelerate Open Banking with APIs, Strong Authentication and Risk-Based Security on Thursday 19 July.

Click here to register now

Join this webinar to hear Mehdi Medjaoui, author of Banking APIs: State of the Market, along with experts in API and security capabilities, to introduce the elements of modern application architecture that all digital banking business leaders should know about – API management, microservices, strong authentication and risk-based security. You’ll learn about:

  • The current state of open banking, and what your peers are doing
  • How to invest in modern application architecture to improve your open banking projects
  • How to align better with IT to accelerate your time-to-market

All registrants will also benefit from a complimentary copy of our Banking APIs: State of the Market report. Accelerate Open Banking with APIs, Strong Authentication and Risk-Based Security


  • Sanjay Tailor, VP Digital Strategy, Financial Services, CA Technologies
  • Mehdi Medjaoui, Lead API Economist, CA Technologies
  • Robert Lindberg, Product Manager, CA Technologies
  • David Chui, Digital Marketing & Strategy, CA Technologies
  • Moderated by: Nick Cabrera, Co-Founder, ECN

Unable to attend? Register here to watch it later.

Speaker Interview: Kevin Russel

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60 Second interview with:

Kevin Russel, Head of Proposition, SEI Investments

What key pain points within investment management firms can most easily be solved by digital technology?

Digital solutions can help investment management firms reduce both the cost and risk of serving clients through the effective connection of systems and services to deliver straight through processing. Digital solutions also allow clients to access mobile or digital services that provide information, enable top-ups and simple self-servicing tasks which reduce the cost to serve and enhance the client value proposition.

What are the key regulatory, economic or cultural hurdles to investment managers adopting digital technology?

Doing things in a different way always brings challenges and firms need to be open to new ideas about how to manage and control risk as well as different ways of supporting advisers and consumers. People form habits and existing habits are not easily changed – so it is often the organisational and cultural aspects of change that impede progress with digital and technology projects, not the development and implementation of the technology solution itself. To address this, organisations need to be committed to, and prepare well for, change; and they need to be open to new ways of working to take advantage of the opportunities new technology can bring.

What types of products and services do investment managers most need from providers of digital technology? 

Technology is an enabler for an investment manager to spend time focusing on delivering the best service possible to clients. Designing and developing solutions that help firms spend more time with clients and less on admin and processing tasks frees up valuable time which can be used to focus on developing and growing the business. To achieve this many organisations now recognise they need to partner with experts who understand their business and can deliver access to products and services in a way that supports their client value proposition and operating model.

It is also important to consider the required future investment to maintain, develop and support complex services and solutions, particularly where the core skill set required for this is not the firm’s core focus or strength. Effective integration of the various systems and processes used by managers to deliver a seamless experience and access to data is critical to the success of digital and multi-channel products and services.

Is it a given that investment managers will increasingly adopt digital technology, or is there still substantial resistance from the industry?

Our research shows that a convergence of technological, economic, demographic and consumer trends will turn the wealth profession on its head by 2021, reshaping customer expectations, disrupting business models, and altering advisor roles. These new realities will require investment providers to drive wide-ranging digital transformation or face extinction at the hands of competitors both old and new.

Many firms are not as prepared to meet rising investor expectations as their clients may think. For example, 63% of investors expect providers to ensure cybersecurity, while only 48% of investment providers say that they are well-prepared to do so (source : Roubini Thoughtlab 2016). The ability to provide holistic goal-planning advice, customised investment solutions, and access to wider investment opportunities are particular trouble spots for wealth and asset management firms.

Why will you be joining the Digital Transformation in Wealth & Asset Management Summit, and what do you hope to get out of the event?

I am interested in the themes and trends that will impact our industry moving forward. I look forward to sharing our research and thinking on digital and technology changes and how they will help address challenges and create opportunities for investment firms. I also look forward to hearing views and insights from others; and I hope to catch up with a few old friends and meet a few new ones!

Interview: Nick Rugg

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Nick Rugg, Senior Underwriter,Financial Institutions and Fintech, Markel International.

Whilst Open Banking will bring opportunities, what risks do you think could arise?

Transactions involving the sharing of data and the movement of funds will always carry risk. Where there are multiple parties involved in these transactions there is clearly heightened risk. The exposure to fraud, theft and data loss for banks, account information service providers and payment initiation service providers will no doubt be a key concern for these companies.

What can companies within the Open Banking space do to protect themselves against these risks?

As well as having strong customer authentication and data protection procedures it is vital that companies also have the right insurance policy in place. The right insurance policy is key for companies that wish to gain FCA authorisation to offer account information services and payment initiation services and to protect themselves against the liabilities that may arise from offering these services.

Is there adequate insurance cover available to companies that are looking to offer account information or payment initiation services?

The market for the type of insurance that AISPs and PISPs need in order to gain FCA authorisation is very small, however the Markel fintech insurance policy has the covers required for these companies to become authorised and we are very proud to say that our insurance policy has formed part of many companies successful applications for authorisation from the FCA.

What can AISPs and PISPs do to ensure that they have the right insurance cover in place when applying to the FCA for authorisation?

The right insurance policy is critical for FCA authorisation so it’s important that companies wishing to offer account information and payment initiation services speak to an experienced insurance broker or insurer of fintech companies in order to arrange the right level and breadth of cover required for successful authorisation.

What do you hope to get out of the Finance Edge’s Open Banking Summit?

It will be a great opportunity to meet some interesting people within the Open Banking sphere and to hear about their ideas and experiences. And hopefully they will be interested to hear what I have to say too!

Speaker Interview: Roger Vincent

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Roger Vincent, Head of Innovation, Equifax

How will the increased use of open APIs shape the financial services market, and how will it impact different market players in both the short- and long-term?

Whilst implementation of APIs is driven by government policy, innovation within banks is fuelled by increasing pressure from competitors, meaning traditional banks have to up their game. FinTechs are likely to be the early adopters of open banking APIs, which is why Equifax & big banks are already building partnerships with them and starting to integrate functions such as account aggregation.

Implementation of open APIs among payment service providers are likely is likely to lower the cost of transactions as a result of increased competition too. But there are much bigger fish lurking just around the corner in the form of the big four global tech giants.

Which activities should banks be prioritising in the wake of open banking?

Banks need to start with compliance to provide guidance on continued development of regulations (PSD2, GDPR etc.) before involving legal teams to sign-off revised consents needed when processing requests. It will be important to overcome these issues before looking to provide greater clarity on product integration and the customer experience.

They need to assess the time/cost of digital teams involvement to provide resources needed to deploy solutions or whether outsourcing these capabilities to existing suppliers like Equifax might provide more value, working with banks to provide agile end-to- end solutions by connecting with key FinTech partners to help implement Open Banking routes for banks digital customers.

Alongside, product owners need to consider how they start to make use of data that might be available from their competitors and how this may impact their ability to construct new products and services whilst Operations & Services need to support the preparation of FAQs to process a potential increase in customer requests or complaints.

What opportunities does Open Banking present, and which commercial strategies will thrive in the new environment?

Equifax has been working with a number of banks to explore how regulatory compliance can quickly be turned into competitive advantage to commercialise Open Banking.

The first area we typically explore is cost-cutting, by turning a bank into a leaner organisation with optimised processes. The first large bank to create a true culture of cost-cutting through new enabling technologies will be well on its way to “commercialising” Open Banking. In April 2018, HSBC and Equifax alongside a number of FinTech partners enabled the UK’s first successful loan application using Open Banking which is a small step on a journey to digitising and optimising all aspects of its currently manual underwriting function.

How can firms overcome the security and privacy concerns associated with data sharing?

Past experience shows us no company is immune from cyberattacks. And the recent news surrounding Facebook, only adds to privacy concerns consumers are likely to have over this sort of direct access to their financial data.

The implementation of GDPR, could help as all companies take stock of their security and data is no longer shared without correct permissions. Open Banking APIs sit neatly within these data rules.

Privacy concerns in the banking industry are not a new phenomenon. You only have to look back a couple of years to observe the impact contactless payments have had on that sector. We should expect a similar journey with Open Banking. In the short-term, there is likely to be a slow-burn in take up of Open Banking, as customers need to be able to trust the technology will keep their data secure.

What are the best strategies to encourage customer engagement?

The use of Open Banking provides an opportunity to banks to strengthen their engagement, by offering digital services which seek to improve customer experiences and not solely focusing on generating new revenues. By building platforms that deliver a range of services, banks have a better chance of tapping into what their customers want, in the short and long term.

Challenger banks are leading the way in ‘market-place’ banking, by integrating third-party apps that benefits the user experience. And bigger banks enriching their customer experience with banks like HSBC going live with their Connected Money app, allowing customers a complete view of their finances.

Banks will realise more customer benefits to Open Banking and Equifax we are well-placed to help banks make the most of Open Banking opportunities through using in-depth profiling and categorisation engines, to offer actionable insights which will allow banks to more broadly engage customer.

Open Banking Summit

25 April 2018 London

Roger Vincent will be joining us for the Open Banking Summit. This high-level, interactive forum will bring together senior-level professionals from all corners of the open banking space.

CONTACT US to secure your place

Speaker Interview: David Vanek

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David Vanek, Co-Founder & CEO, Anorak

How long before consumers will feel the benefits of Open Banking?

This is entirely dependent on how successful we are – as an industry – at building services that are genuinely useful and trustworthy for consumers. As it stands, we expect it will take at least 12 to 18 months before these kind of innovative services provide meaningful value, and people feel comfortable connecting their bank data to make their money work harder.

What companies are leading the way when it comes to Open Banking? Who should we follow?

The obvious innovation leaders are the neo-banks like Starling, and personal finance management apps like Yolt (by ING) and Bud – who have just partnered with First Direct.

We’re still at the very early stage though. So far, most of these services focus on the functional side of personal finance: saving, tracking and transferring. The question we’re asking is: how can we provide value beyond budgeting? How can open banking become a companion that helps you make smarter, more savvy decisions about how you protect your finances and family?

How can Open Banking help people manage their financial vulnerability? And what are the top trends to watch?

Used in the right way, open banking has the power to not only help you save, but also advise on how to meet your saving goals. It can effortlessly inform you about your pension performance. It can automatically let you know when to remortgage and how. It can demystify what it means to protect your family, and tell you exactly when to adjust your insurance cover. I believe these services need to be built by smart, data-driven companies who are willing to work with complete transparency with their customers and partners.

In light of the Facebook and Cambridge Analytica story this week in the press, can we trust new companies to look after data?

As Stephen Hart argued brilliantly in his piece on LinkedIn, that was very clearly a case of ‘just because you can, doesn’t mean you should’. As tech and fintech companies become more mature in their outlook, they must be committed to only taking the data they need to provide their service – rather than having an unrestricted ability to mine customer’s personal data at whim. Consent is key here. Companies must be explicit about what information they need from their customers, why they are asking for it, and what the benefits are. And they must reconfirm customer consent regularly – especially if they are developing new features or updates.

How will the increased use of open APIs shape the financial services market, and how will it impact different market players in both the short- and long-term?

In my opinion, open banking signals the long-awaited dawn of the Age of Assistance in financial services. Just like Google Assistant, Citymapper and Spotify give us intuitive advice at the exact moment we need it, so too can open banking APIs enable financial companions that are always on you side and smart enough to anticipate the financial decisions you need to make. The players who will do best will be the ones who invest in developing trust – building services that still allow you to have control of your personal data and make you smarter about the decisions you make. It’s certainly a very exciting time for innovators.

Open Banking Summit 25 April 2018 London

David Vanek  will be joining us for the Open Banking Summit. This high-level, interactive forum will bring together senior-level professionals from all corners of the open banking space.

CONTACT US to secure your place

Speaker Interview: Martin Sladecek

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Martin Sladecek, Open Banking Manager, Komercni banka

How will the increased use of open APIs shape the financial services market, and how will it impact different market players in both the short- and long-term?

In the short-term, banks with available APIs will be the only market players who will be able to practically use third party licensing. Banks will open their APIs to one another, and the result will be improved competition and better value for customers. There are two possibilities to come from long term perspective. Banks will either act as a commodity player and play the part of supporting the third parties with commodity and basic services, or there will be significant mutually beneficial partnerships developed between banks and fintechs. In both cases, there will be new services popping up that will improve the customer experience. Three years ago, there was major opinion there will be strong competition between banks and fintechs to beat out one another, but that is no longer the case. Taking that innovation out of the market would be damaging for business profitability and the consumer. We recognize now the combination in mutual partnerships is the holy grail of the market and especially from the point of view of customer.

Which activities should banks be prioritizing?

The first steps are to be prepared, and to be flexible. I see the industry divided into two groups: the big players with established but often old-fashioned core systems and IT infrastructure, and the new purely internet banks focused mainly on small products for their smaller market share but with up to date environment in place. The incumbent banks face a huge challenge in delivering new services with their existing infrastructure, as the time to market is long and costly. We need to improvise to adapt with innovation and come up with new agile methods to create product offerings faster and cheaper. Preparing pilot API services should be the first priority, and we should be thinking about more ways to use API services going forward on top of PSD2, as well as to combine them with aggregating information to create ultimate value proposition to our customers. Banks should focus on value-added services, do market researches, scans, client tests and pilots to find the most relevant products to offer to third parties and to satisfy all various clients.

What opportunities does Open Banking present, and which commercial strategies will thrive?

The coming revolution is the biggest in the financial industry since the advent of digital banking, and nothing is going to look the same a few years from now. Banks will be open to interact with each other and third parties, and third parties will build services along the legal requirements provided by APIs. The world will be much more connected through these new opportunities to interact, with none of this ever possible before. There are four general directions banks could go through the provisioning and aggregation of API services. First, we can just achieve the bare minimum compliance requirements. We can move beyond that and expand our offerings to act as a third party and compete by offering clients the possibility to connect all other bank accounts through our digital channels. Or we can provide various Open Banking API services on top of PSD2 level to engage more third parties in mutual services for our clients. BUT, the leaders in digital banking are combining expansion in rich API services offerings and competition as a third party to achieve disruption. By building your business model around these, you will have the capability to act as the one-stop-shop, let your clients use seamlessly third parties in your phygital environment and to extend your services making them accessible through new third parties’ applications as through your new channels.

How can firms overcome security concerns associated with data sharing?

As a bank, our first step must be to educate our clients and lead them in recognizing secure and trustworthy third parties to interact with their data. But in parallel, we must secure the technology we rely on for our high security standards. In the Czech Republic, Komercni banka is recognized as a trustworthy and reliable brand because we are actively protecting our clients and their data, and this puts us in a strong position it in the market. It is the essence of banking – the trust. And that is why we are highly cautious in data sharing and we do that ONLY based on direct client requirement.

What are the best strategies to encourage customer engagement?

Currently, we’re seeing positive moderation: finding free space or unfulfilled demand on the side of our customers. Banks have limited resources, so we may not be able to serve every need of every one of our clients. By uncovering microsegments of client needs, we can combine third party services and bank services to reach everyone. Now we can reach our users on a new level by meeting these demands, being a trustworthy brand and stressing our values.

Why are you speaking at Finance Edge’s Open Banking Summit, and what do you hope to get out of the event?

I’m looking for inspiration and fresh ideas through stories from my peers and the other participants. Ideas are cheap – the challenge is in the execution. As an industry, we have to overcome the fear of sharing ideas to create the innovation we’re all looking for. I’m proud to be a speaker to share Komercni banka’s vision in Open Banking, our own stories and be a part of such a key event to discuss developments in Open Banking, APIs and PSD2.

Open Banking Summit

25 April 2018 London

Martin Sladecek will be joining us for the Open Banking Summit. This high-level, interactive forum will bring together senior-level professionals from all corners of the open banking space.

CONTACT US to secure your place

Speaker Interview: Victor Trokoudes

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Victor Trokoudes, CEO & Co-Founder, Plum

How will the increased use of open APIs shape the financial services market, and how will it impact different market players in both the short- and long-term?

In the short term, it will be harder for TPPs like Plum to deal with the transition to open APIs. Long term, once the transition period is over, it will make integrating with banks/aggregators much smoother.

Banks have been purposely vague about the true costs of operations, and guarded customer data instead of using it in a way that benefits them. Most banks in the UK had clauses in their T&Cs preventing data sharing. Open banking means open competition, and it will hopefully bring full transparency and new providers to add real value to the traditional platform. Providers who embrace transparency and bring added value to customers will end up winning the day, and they will likely not be those leading today.

Which activities should banks be prioritising in the wake of open banking?

Banks should prioritise testing APIs and connecting with AISPs/PISPs to start testing necessary functionalities. Development does not end once APIs are ‘ready for market’, and there will be a long transition period when consumers will still pose questions and push the standards of the technology. Testing and retesting is key.

What opportunities does Open Banking present, and which commercial strategies will thrive in the new environment?

Open Banking will allow consumers to assess the value they get and change providers should they need to. The ability to compare providers will lead to intensified competition, as only 4% of consumers change banks in a year now. Open Banking will make it easier to use multiple banks and services harmoniously, and will result in combining products and providers based on best fit. Strategies underpinned by a great customer experience will thrive.

How can firms overcome security and privacy concerns associated with data sharing?

Open Banking has been designed to facilitate safe data sharing. The culture of not sharing details is not synonymous with safety, but with banks retaining ownership of data rather than giving it to consumers.

All privacy measures are already in place; it’s now just a case of raising awareness. Concentrated efforts on long-term benefits are necessary, along with making legacy technology more transparent. New programmes such as SCA (strong authentication), requiring two forms of authentication to give consent, and positive consent to prevent consumers from being auto-opted in without their knowledge, will help to ease concerns. Once APIs are fully live, users will be able to check on the FCA register which companies have access to their data as well.

Although Open Banking may not be an overnight revolution, the conversation to change the way we bank has begun. There may be some initial hesitancy, but through educating consumers on the long-term benefits, we don’t expect this to last. For the first time, people will have full control over their own data.

What are the best strategies to encourage customer engagement?

Plum has a hugely engaged user base and online community. Here are some ways we engage and build relationship:

  • Conversation. We are always chatting to our users as a chatbot, keeping our communications as human as possible This puts us in position to get almost immediate user feedback both on specific products, and to catch up on their experience.
  • Cultivating the community by creating a culture of collaboration and friendly help. We lead and join in on threads, and are proactive in solving problems. Our users have a real hand in how products develop by voting in polls and joining private slack channels with the team.
  • Making sure the conversation is not always sell sell sell. No-one wants to be friends with someone who only talks about themselves. We noticed some of our users having emoji battles with plum, and decided to announce a gif battle showdown on our main public page to engage with the community in a way they enjoyed. We had over 200 comments in the first hour.
  • Provide the option to be as involved as much or as little as they like to avoid over communication. We have different levels of relationships with our users, and that depth is always in their full control.
  • Show appreciation. We are constantly reminding our users how much we value them, and put them centre stage with user profiles and testimonials.
  • Do not only focus on positive relationships. Some of our most productive feedback comes from negative comments. We never shy away from any questions, adding authenticity and trust to our relationships. Retaining professional, friendly communication even with naysayers acts as evidence for those values and creates a more authentic brand image.


Open Banking Summit

25 April 2018 London

Victor Troukoudes will be joining us for the Open Banking Summit. This high-level, interactive forum will bring together senior-level professionals from all corners of the open banking space.

CONTACT US to secure your place

Open Banking survey results: market opportunities amid uncertainty

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Finance Edge recently conducted a survey of banks, challenger banks, fintechs, lenders, PSPs and other third party providers to give you an exclusive look into how Open Banking is evolving with the banking industry.

Since regulation is still evolving, most Open Banking strategies haven’t been finalised. Market opportunities are continuing to drive new partnerships and approaches, and that’s why we’re bringing the industry together for the Open Banking Summit in London.

Does this reflect your firm? Let us know, and join the debate on 25 April. Thanks for contributing!

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Speaker Interview: Kevin Russel

Speaker Interview: Kevin RusselRead More

Interview: Nick Rugg

Interview: Nick RuggRead More

Speaker Interview: Patrick Hunger

Speaker Interview: Patrick HungerRead More

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