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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How curiosity leads to continuous improvement? StarTalers’ vision about the future of Asset Management and Robo-Advisory

How curiosity leads to continuous improvement?  StarTalers’ vision about the future of Asset Management and Robo-Advisory

The Robo-Advisor market is getting more competitive showing the increasing interest from both institutional and retail clients for this alternative investment solution.

In the US market, competitors started a price war, leveraging on ETFs to benefit from favorable costs structures and maximized diversification in a profitable way. But here in Luxembourg it is worth noticing that competition is much more about proposing unique value and qualitative solutions.

This article was previously published in AGEFI Luxembourg by Marie-Charlotte Renaux, Margaux Rudnicki and Frederic Lorain, consultants at Initio. We propose you to read the full version.

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Higher Education, time has come to break the loop

Higher Education, time has come to break the loop

Digital: short word, huge opportunities. Digital is flourishing everywhere, yet it remains a blur for many educational institutions. Digital is praised by governments, school head boards, teachers as well as students, nonetheless there is no existing practical guideline to drive all participants through.

In higher education[1] digital technologies are not mastered and even if there are currently various technologic innovations, their impact on schools’ architecture, space and pedagogy is still low. Schools seem to be stuck in the past. However, when it comes to companies, the race for digital transformation has already reshaped business models: thus the question is how can higher education align in order to match companies’ expectations?

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