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More than a decade of gathering insights in the field of fintech and banking helps us to reach out to other spheres: for example, to digital financial services ecosystems. In this article, we will focus on how e-invoicing solutions can build competitive advantages in SME banking. Also, we will answer the question of why multi-banking…
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SMEs represent a tremendously large market for banks. According to the BankingCircle, in Europe, small and medium enterprises make 99% of all businesses and create more than 85% of all new jobs in the last five years. In the US, there are 30 million SMEs. They generate about ⅔ of jobs in the private sector…
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Not so long ago statistics showed low adoption levels on Personal Finance Management (PFM) systems. Indeed, the 10-12% adoption rate can hardly be a strong motivation for banks to invest in PFM development. But the financial industry is changing, shaped by customers, who are looking for some financial coaching instead of financial education.
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While banking product portfolios tend to become similar, banks must select between 2 most popular strategies (or combine them): to compete in pricing or to focus on customer experience improvement. If you prefer the first strategy, you may skip this article. Here we are going to accentuate engaging and personalized customer experience (CX) in the…
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Super apps are just appearing in the US and European countries, while in the Asian-Pacific region they already became a natural part of daily routine. So what are super apps and what is so special about them? The term “super app” was introduced in 2010 by the BlackBerry founder Mike Lazaridis. He defined it as…
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