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Latest Results from /retail

Hamish Monk

Hamish Monk Reporter at Finextra

Hyper-personalisation - Are super-apps over?

Hyper-personalisation has become something of a buzzword in discussions of the Future of Digital Banking in Europe. On the ground there are many holes that need to be plugged – both in terms of the technology and scalability – before it can become prevalent. A Deloitte report, ‘The Future of Retail Banking: The Hyper-Personalisation Imperative’, ...

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Hamish Monk

Hamish Monk Reporter at Finextra

Is it a bird? Is it a plane? No, it’s super-app: How to use hyper-personalisation in your business

The super-app is the final boss of hyper-personalisation; the assembled endgame of the personal finance app (PFA). Look up – it’s swooping down to save the day; dropping a gamut of services in the palm of end-users’ hands. Alas, the term ‘super-app’ has become something of a nebulous catchphrase in the land of financial services. To help demystify ...

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Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

What Gen Z want from UK fintech

As the digital era of financial services progresses, the UK fintech sector has reached new and diverse audiences that have varying demands from their financial providers. Gen Z is a significant demographic that are currently entering or are in the workforce, and having been raised in a more virtual and digitalised environment, expect ease, speed, ...

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Ian Rand

Ian Rand Chief Executive Officer at Monument

What’s the outlook for challenger banks in 2024?

From the throes of the financial crisis back in 2008, challenger banks burst onto the scene seeking to shake up the market. Over the last 15 years or so, we have seen new players become established institutions in the UK banking space - such as Monzo and Starling – and other players aiming to follow suit. Businesses who adopt a digital-first philo...

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Níamh Curran

Níamh Curran Senior Reporter at Finextra

What’s happening at Temenos?

Temenos shares dropped on 15th February after Hindenburg Research published a report with damning allegations which claimed the company had major accounting irregularities and failed products. Temenos has refuted the allegations made in the report, stating that the claims are inaccurate and false. Here is a recap on the players involved in this sto...

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Tracey Dunlap

Tracey Dunlap MD, Customer Experience at Jenius Bank

Banking customer experience in 2024: Personalisation, accessibility and AI

Financial institutions have undergone a reckoning in the last decade, driven by rapid digital transformation and the explosion of fintech apps providing services for everything from budget tracking to crypto investing. Customers are inundated with banking options, and most aren’t settling for just one. Further, expectations are at an all-time high...

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Kelly Lane

Kelly Lane Operations Director at Clegg Gifford

Why financial services branches put customer requirements top of the agenda

Amidst the challenges posed by rising energy costs and the surge in e-commerce during and after the pandemic, the UK high street has forged its own unique path. Many businesses, both large and small, have navigated closures or transitioned into the online realm. However, for significant purchases such as insurance, the importance of face-to-face i...

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Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

How can behavioural authentication enhance a bank’s customer experience?

In an age where digital experiences are being redefined by giants such as Netflix and Amazon, banks also need to step up their game in enhancing customer experience. The ease, personalisation, and seamless interaction offered by these entertainment and retail platforms set a high bar for customer expectations. It becomes imperative for banks to em...

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Sehrish Alikhan

Sehrish Alikhan Reporter at Finextra

Rise of the superapp

Gartner forecasts that 50% of the population will be using superapps by 2027, predicting a skyrocket in usage for the future. Yet where did they come from and what do they do? Superapps are mobile or web applications that offer users multiple services on a single platform. These multi-service applications include mini-apps and features that allow u...

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Theo Michalopoulos

Theo Michalopoulos General Manager, Financial Services Industry at Microsoft

How leading finance and insurance firms are already capitalising on AI

AI has an incredible breadth and variety of use cases for financial services organisations – but there is a strategic thread that should tie them all together. When used well, AI helps financial firms do more of what they’re great at. Banks want to do more banking, provide more mortgages, make good credit risk decisions and take the right assets o...

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Kirsty Rutter

Kirsty Rutter Fintech Investment Director at Lloyds Banking Group

Will 2024 be a progressive year for fintech investment?

The fintech investment landscape in 2023 has been challenging, with a strong focus on generative artificial intelligence. With wider uncertainty, investors have been more comfortable holding their money in savings and money market products, than taking the risk and reward of investing in new businesses. So, as we look to the year ahead, with intere...

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George Toumbev

George Toumbev Chief Commercial Officer at NatWest Boxed

3 components of a successful embedded finance strategy

From talk to action Embedded finance is a growing and potentially very valuable opportunity for companies that get it right. The ability to build financial products that are designed around the needs of customers and offered at the heart of the customer journey can be a winning formula. Getting it right means the chance to build long-lasting custo...

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