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Reports

Patrice BERNARD

Décodeur de Tendances et Catalyseur d'Innovation

Are banks losing the BNPL battle?

Less than two years after a launch full of promises, NatWest has announced the discontinuation of its Buy Now, Pay Later (BNPL)

Management of Obsolescence by NAB

On International Women's Day, the Australian bank NAB highlighted the career of the CEO of its digital subsidiary

Apple Opens Up Its Banking Data

Apple is firmly making its mark in the finance world, introducing a new feature in the latest iPhone operating system update that caters...

And the Financial Well-being of SMEs?

At the convergence of two major trends—enterprise finance management ("BFM") and the development of new services for SMEs

Intelligence in the Fight Against Fraud

As banks around the world, clearly overwhelmed by the rise of fraud, introduce increasingly intrusive and indiscriminate frictions...

IT at the Heart of Banking Supervision

The European Central Bank (ECB) regularly expresses concern over IT risks in the institutions it oversees.

Active Small-Step Budget Management by Ubank

While economic pressures continue to strain the budgets of Australian households, Ubank is rolling out a series of small, useful

Mastercard Simplifies Account Openings

Gradually, project by project, Mastercard's foray into the world of open banking, which began in 2020 with the acquisition of Finicity,

BlackRock Increases Transparency of Its ETFs

Exchange-Traded Funds (ETFs) have become one of the favorite investment vehicles for savers today, thanks to their simplicity...

Craggle Renegotiates Mortgage Loans

Yesterday, when I envisioned the expansion of Cambio's automated negotiation solution into the mortgage sector...

Weather2C validates weather-related claims

Qorus's award for innovation to its implementation by Société Générale Assurances provides us with an opportunity to delve ...

Promoting Financial Well-being Through a Dating App

Financial well-being is a crucial yet often overlooked and neglected aspect of individuals' lives. To bring this issue to the forefront...

AmEx Yields to BNPL Pressure

Likely driven by the immense popularity of Buy Now, Pay Later (BNPL) schemes, a minor revolution is unfolding in the credit card realm...

Microsoft's Anti-Fraud Phone Spy

Combating fraud is one of the most popular applications of artificial intelligence. With many scams starting with a phone call...

CaixaBank Delivers Cash to Your Door

Contrary to Northern European countries, Spain maintains a high density of bank branches...

Grifin, for Investing in Your Favorite Brands

For the millions of Americans who, due to a lack of proper education, hesitate to invest (a portion of) their savings in the financial...

A Bank-Telecom Partnership That Makes Sense

While attempts by banks to venture into the telecommunications realm "above ground" have gradually vanished in France...

Bank of America Breaks Down Its Silos

Large organizations are typically structured in silos, and within financial institutions, those housing corporate clients and individual...

Klarna rides the wave of New Year's resolutions.

Firmly established in its somewhat ambiguous position at the crossroads between its historical activity of split payments...

Cambio's AI negotiates debts

A year ago, Gartner discussed the emergence of the robot client, referring to an agent capable of managing consumer disputes...

Citi at the Crossroads of Banking and Commerce

While banks worldwide are exploring opportunities to venture into peripheral businesses, particularly through the creation of marketplaces

Parametric Cyber Insurance at Descartes

After pioneering parametric insurance in the realm of climate risks, for which it is particularly well-suited, Descartes is now expanding...

Cash Usage on the Rise, Budget Management in Decline

While there has long been a downward trend, it seems that even when setting aside the specific effects of the health crisis...

Santander: A Successful Heart Transplant?

The modernization of core banking systems is a contentious topic in the banking sector (as well as in insurance)

Revolut connects to wallets worldwide

As it has now become a mainstream neo-bank, Revolut is revisiting its original promise of making life easier for borderless citizens

Vouch insures AI risks

The promises of artificial intelligence have sparked a massive wave of creativity among entrepreneurs worldwide

Three French Banks Collaborate on Their ATMs

Following a slowly spreading trend in Europe, in response to societal shifts regarding cash usage and banking services

A loan secured by intellectual property

It's clear that businesses in the 21st century are very different from those in past times, but unfortunately, banks

Instant Smartphone Warranty

As part of its mobile phone insurance offering distributed through its partnership with Orange, BNP Paribas Cardif ...

50 Years of Banking Innovation

No observer would boldly claim that the banking sector is extraordinarily innovative, but many would agree that it is dynamic...

HSBC vs. Wise: The Second Round

HSBC's first attempt to rival Wise in the international money transfer market just over three years ago was less than impressive...

Focus on Employees' Financial Well-Being

Slowly but surely, the correlation between financial well-being and workplace engagement is being recognized...

Web3 According to Visa

With the fading of short-term grand hopes for the metaverse, the promises of web3 have also receded, waiting for better days...

A Flexible Banking IT System is Possible: The Case of Monese

When traditional banks shy away from modernizing their core banking systems due to the complexity and extreme risks associated...

What if Insurance Could Help Keep Us Healthy?

What if insurance focused on keeping us healthy rather ...

Younited Expands into Insurance

Younited, a French fintech company already established in the European consumer credit landscape...

Life-Oriented Life Insurance

While it may seem straightforward, the integration of preventive measures into insurance is advancing slowly within the industry...

Forrester: Three Predictions for 2024

Forrester's predictions for 2024 paint a somewhat somber picture of the banking industry...

Admiral Experiments with Embedded Insurance

In a move that's still rare on a large scale in the insurance sector, the British group Admiral, through its exploratory division Pioneer...

Kayna: Dynamic Embedded Insurance for SMEs

While Small and Medium-sized Enterprises (SMEs) are particularly vulnerable to various incidents, they often struggle with insurance ...

Wysh Incorporates Insurance into Savings

During the 2023 edition of the Finovate Fall conference in New York, the American startup Wysh introduced an innovative...

A Health Expense Card for Expatriates

For French residents, the advance waiver of health care costs through the "third-party payment" ...

The Competitive Advantage of Hybrid Work

Forget the work flexibility encouraged by the health crisis! While most companies are eager to revert to their pre-pandemic operations...

Bambu GO, a Financial Advisory Robot

Gradually, every area of finance is evolving into service form, ready to be incorporated into offerings...

The ECB Expresses (Again) Concerns Over IT Risks

When it comes to IT risk and cybersecurity in European banks, the supervisor's reports are becoming increasingly familiar...

A Copilot for Insurance

In the era of generative artificial intelligence, traditional virtual assistants, which never truly lived up to their name, are becoming out

Credit Karma Expands Its Scope of Action

Credit Karma is expanding its scope of services far beyond its original offering of free credit scores to Americans...

ChatGPT alone is not sufficient for creating innovation at OpenAI.

A recent TechCrunch article reminded startup founders that merely incorporating ChatGPT into their products...

Expense Report Management via API

Like many financial tools, expense management is a necessary component of business management...

Data Asymmetry: The Moment of Truth

Ever since the initial proposals to mandate data openness, financial institutions have been loudly protesting...

Insurance for the Unaware

This innovation, which originated in 2020 but I only discovered today through a Qorus award...

Embedded insurance or a seamless experience?

The concept of "embedded insurance" is currently a popular topic, but its precise definition still appears unclear...

IBM's AI assists in modernizing dinosaurs

IBM has been a favored provider to financial institutions for over half a century, but today finds itself ...

Accelerated Digitalization: The Other Side of the Story

Globally, the digitization of services is causing concern among a significant portion of the population...

How to integrate generative AI into a business?

For many businesses, especially in the highly cautious financial sector, the arrival of ChatGPT ...

Starling: The Birth of a Neo-Bank

Having stepped down from her role as CEO at the end of last month, Anne Boden reflects in an interview with McKinsey

Metro Bank's dream is fading away

Born in 2010, amidst the "digital" revolution, Metro Bank had the seemingly anachronistic ambition of reinventing the in-branch banking...

A taste of PSD3?

As the presentation of the future European regulation on financial data access (accompanying DSP3) confirms its expansion...

Anansi: Parametric Insurance for Parcels

The concept of parametric insurance has long been applied to weather events ...

J.P. Morgan Shuts Down Its Robo-Advisor

Despite their efforts, traditional banks remain unable to replicate the success formulas of FinTech.

End of the Road for Ma French Bank

While the official announcement cautiously mentions "the study of a project to cease operations," it's fairly obvious that ...

The Green Insurer (that's its name!)

Despite several interesting individual initiatives, I haven't yet encountered an example of environmental responsibility...

A Hidden Credit Marketplace

When Tesla introduces a new financing option in its electric vehicle purchase process, one can always expect some level of innovation...

Autonomous Driving, Safety, and Insurance

After a period of initial excitement, doubts have recently surfaced in the world of autonomous driving.

Uber's Integrated Experience

Since its inception, Uber has built its success on user experience transparency, especially through its seamless integration of payment...

The Sensitive Topic of Money Relations

At first glance, Monzo's "Wrapped" campaign, which playfully offers customers a brief summary of their 2023 spending