Market Watch : Digital Innovation Digest #11 (Q4-2018)

Market Watch : Digital Innovation Digest #11 (Q4-2018)

Publication of the 11th Digital Innovation Digest by Initio’s Business line “Digital & Innovation”.

Topics of last quarter of 2018:

  • Ecosystems: Beyond Banking & Insurance (Belfius, ING, KBC, Partena…)

  • Biometric contactless payment card

  • Stop transactions at chosen retailers to give greater control over purchases.

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When the GAFAs take over the banking relationship

When the GAFAs take over the banking relationship

Imagine that we no longer use our computers or smartphones to access our banking information and perform banking tasks, and instead use the most natural channel available to mankind? Oral communication.

Communicate means, in its simplest definition, talking and trying to understand each others. Which is mainly achieved through language.

"The Major Transitions in Evolution" published in 1997 by John Maynard Smit a British evolutionary biologist and geneticist, and Eörs Szathmáry, a Hungarian evolutionary biologist makes reference to eight major transitions in the evolution of life. The most recent being language which is a human attribute only and participate in the creation of the foundations of our societies.

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[Video] How will Robo-Advisors reshape Asset Management?

[Video] How will Robo-Advisors reshape Asset Management?

As promised, a nice video for those who missed our last @Initio event about Robo-Advisors at the @Lhoft last month.

  If you want to find out more, don’t miss out our @Initio White Paper covering all aspects of the topic and click to subscribe below.

 Stay tuned to find out more about our next events, because Expertise matters.

Thanks to all participants and to @Kotao Production for this smooth coverage!

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Disappearance of bank branches in Belgium: additional information

Disappearance of bank branches in Belgium: additional information

Earlier this week (November 5th 2018), a study related to the disappearance of bank branches in Belgium has been published by the newspaper Le Soir.

The study made various media headlines and Initio was asked by Brussels news channel BX1 to comment this evolution. The goal of this article is to go further in the analysis and to put facts and figures into perspective.

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Are Neobanks poised to stay in financial landscape?

Are Neobanks poised to stay in financial landscape?

Neobanks have raised the concerns of the public everywhere in Europe. Revolut, N26, Nickel, Starling, Monzo etc. are already known as key players in the industry. Most of them have succeeded massive fundraisings and are quite close to announce new capital injections in the press or the launch of new products and services.

Despite impressive customer acquisition (more than 1 million customers for N26, twice much for Revolut…) none of these mobile-only neobanks have reached sustainable profitability.

Neobanks are still cash-burner companies and even if many of them are generously funded by venture capitalist or established commercial companies, they need to evolve if they expect to stay alive and last as key players on the banking scene.

In this article we will check if Neobanks are equipped to stay or not.

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