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Berlin - Virtual Summit
15 October 2020
Talk by :
Nouamane Cherkaoui
Preparing to Enter the New Decade with the
Latest Dig...
• What are the Top innovative trends
that will define the future of digital
banking & Insurance?
• What are the conditions...
COVID-19 is
Accelerating the
Rise of the Digital
Economy
And this is just the beginning…
How the Virus
Transformed the
Way American Spend
Their Money
◦ Here’s NYT analysis of
how consumer spreading has
changed d...
1. Fintech
competition &
collaboration
◦ A recent history but already
several developments and twists!
◦ From competition ...
2. Data
Monetization
◦ Data monetization is
becoming a differentiator
◦ By monetizing Data, a
company can tap into
measure...
3. Open Banking
to Open Finance
◦ A pwc research expect £7.2bn
revenue opportunity created
by Open Banking by 2022
◦ 71% o...
4. Customization
& API
◦ Banks can provide
customization via API, or
application programming
interface, technology. By
ena...
5. Mobile
Banking
◦ Today, where technology is
reshaping the banking
industry, mobile phone
banking is the future of
moder...
6. Artificial
Intelligence
◦ Financial institutions are
beginning to explore how
artificial intelligence
decrease costs, e...
7. Blockchain
◦ Blockchain is predicted to
revolutionize the payment
system over the next
coming years by increasing
payme...
8. Cybersecurity
◦ Banks need to improve
their security standards and
invest in the newest and
most innovative security
sy...
@ Nouamane Cherkaoui
@CherkaouiN1
Preparing to Enter the New Decade with the
Latest Digital Banking Trends and Innovation
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Preparing to Enter the New Decade with the Latest Digital Banking Trends and Innovation - By Nouamane Cherkaoui

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Talk by Nouamane Cherkaoui at Berlin Virtual Digital Summit - 15 october 2020
FinTech, InsurTech, digitalization and innovative technologies are disrupting Banks & Insurance compagnies. Digital technologies which were initially limited to banking channels, now cover the entire banking & Insurance spectrum.

The finance industry has undergone many phases of digital transformation in the last few years. Nowadays, it’s facing crucial decisions on technology shifts adoption with emerging trends in digital transformation technologies defining the future of banking, Insurance & Asset Management.

Publié dans : Technologie
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Preparing to Enter the New Decade with the Latest Digital Banking Trends and Innovation - By Nouamane Cherkaoui

  1. 1. Berlin - Virtual Summit 15 October 2020 Talk by : Nouamane Cherkaoui Preparing to Enter the New Decade with the Latest Digital Banking Trends and Innovation
  2. 2. • What are the Top innovative trends that will define the future of digital banking & Insurance? • What are the conditions of a successfully collaborated ecosystem of industry partners and Fintech- InsurTech? • What is the impact on the banking model and the value chain? • What is Banking-as-a-Service (BaaS) or Open Banking?
  3. 3. COVID-19 is Accelerating the Rise of the Digital Economy And this is just the beginning…
  4. 4. How the Virus Transformed the Way American Spend Their Money ◦ Here’s NYT analysis of how consumer spreading has changed dramatically in the USA ! ◦ However, will this trend be confirmed? ◦ What direct or indirect impact on banks and the relationship with their customers? ◦ How will consumer behavior change as a result of Covid-19? Source: The New York Times
  5. 5. 1. Fintech competition & collaboration ◦ A recent history but already several developments and twists! ◦ From competition to collaboration to investment & acquisition to hybrid strategy. ◦ Collaboration between financial institutions & tech companies is crucial ◦ Banks can choose to embrace fintech and innovate together or lose their competitive edge to other banks that have done so C L O S E F I N A N C E O P E N F I N A N C E Insurance Consumer banking Equity financing Personal finance International money transfers Payments Lending Fintech Trends
  6. 6. 2. Data Monetization ◦ Data monetization is becoming a differentiator ◦ By monetizing Data, a company can tap into measure economic benefits while reducing expennses and accruing revenue ◦ Data and analytics are changing the way business is done
  7. 7. 3. Open Banking to Open Finance ◦ A pwc research expect £7.2bn revenue opportunity created by Open Banking by 2022 ◦ 71% of SMEs expected to adopt it by 2022 ◦ 48% of retail banking customers & 54% of SMEs state security is their biggest concern with Open Banking data sharing Open banking should be leaded when you are in a strong position. You shouldn't wait any longer!
  8. 8. 4. Customization & API ◦ Banks can provide customization via API, or application programming interface, technology. By enabling diverse software interactions, APIs allow for individualized customization, which is invaluable for many businesses. API banking offers banks the flexibility to feasibly provide customization to their clients.
  9. 9. 5. Mobile Banking ◦ Today, where technology is reshaping the banking industry, mobile phone banking is the future of modern banking. ◦ With emerging trends, mobile banking apps are likely to become more secure and convenient in the future. Mobile Banking Is A Must For Any Bank ! Vocal Commands for Banking Services Innovative Banking Apps Mobile App ATMs Biometric Authentication
  10. 10. 6. Artificial Intelligence ◦ Financial institutions are beginning to explore how artificial intelligence decrease costs, enhance revenue, reduce fraud and improve the customer experience. While there are challenges, it is time for organizations of all sizes to invest, learn and partner with experts who can help exploit the benefits of AI. Source: A November 2019 Cognizant Report A I I N F I N A N C I A L S E R V I C E S
  11. 11. 7. Blockchain ◦ Blockchain is predicted to revolutionize the payment system over the next coming years by increasing payment volume and simultaneously lowering associated fees.
  12. 12. 8. Cybersecurity ◦ Banks need to improve their security standards and invest in the newest and most innovative security systems. ◦ Cybersecurity will play a huge role in the future of banking technology and needs to be properly implemented in every financial institution
  13. 13. @ Nouamane Cherkaoui @CherkaouiN1 Preparing to Enter the New Decade with the Latest Digital Banking Trends and Innovation

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