Latest opinions that Joris Lochy has shared on Finextra

Join the Community

22,929

Expert opinions

43,831

Total members

419

New members (last 30 days)

199

New opinions (last 30 days)

28,965

Total comments

Join Sign in

Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

View Joris Lochy's full profile

Joris's opinions

Digital Finance Summit - A recap

Last week I had the chance to attend the yearly "Digital Finance Summit" conference in Brussels. After a pure digital event last year, the event was a hybrid event this year, which allows to network in a much more effective way. Such conferences are always an excellent way to get inspired and take a step back from your daily work to get ...

09 December 2021 /startups /predictions Fintech innovation and startups

Buy Now Pay Later - A credit in disguise?

BNPL (short for "Buy Now Pay Later") is a hot topic in the Credit space. The recent funding round of Klarna (one of the most known BNPL players on the market) of $639 million at a valuation of $45,6 billion makes it Europe’s most valuable startup and shows that investors predict continuing exponential growth for this service. This antici...

26 July 2021 /retail /startups BNPL

Card payments for dummies

At my current company Monizze, we issue social vouchers, like meal, eco and gift vouchers. These vouchers are consumed using a specific Monizze payment card via a physical terminal. As a result, I come into contact with card payments on a daily basis. Unfortunately, I am still far from being a card expert, but along the years I can say I have buil...

21 June 2021 /payments Frictionless Payments

NFTs - A hype or a lasting new investment asset class?

NFTs are at the moment a real buzz. The word NFT stands for non-fungible token, which means a unique, irreplaceable cryptographic object. It aims to manage ownership of digital content (digital collectible items) by storing the ownership in the form of a digital certificate on a blockchain (usually on the Ethereum blockchain, but other blockchains...

09 June 2021 /wealth /crypto Blockchain Observations

Treasury management at SMEs - Still too neglected?

Treasury management or more generally Supply Chain Finance management is still a neglected topic at many SMEs. While large international corporations make the investment into expensive treasury management solutions (often part of their ERP solution) and even setup their own In-House Banks, this is considerably more difficult for the mid-corp segmen...

01 June 2021 /payments The Payments Business

CBDC - The new kid on the block

A very hot topic at the moment are the so-called CBDCs, short for "Central Bank Digital Currencies". These are the recent reply of central banks to the continuing success of crypto-currencies like Bitcoin and Ether(eum). After the unsuccessful attempts of several governments to restrict or even ban these crypto-currencies, there is more ...

26 May 2021 /payments /inclusion Cryptocurrency Insights

Data providers - Valuable partners for every player in the financial industry

Expressions like "Data is the new oil" are already becoming a cliché on social media, but there is still a lot of truth to them. Obviously with customer centricity and hyper-personalization increasing, data gets more and more value. However just like raw oil, data in its raw form has little usage. It needs to be cleaned, filtered, struct...

18 May 2021 /retail Data Management and Governance

Algorithms in the Financial Services industry - The right choice for the right problem

The ultimate goal of every software product is to convert inputs(provided by end-users or automatically received from external systems) into valuable outputs (insights). This is typically done via processing logic (= algorithms), which transform a number of inputs in a set of outputs. Based on my experience these process-logic components can be div...

03 May 2021 /devops Banking Strategy, Digital and Transformation

The idea of a collaborative investment fund

With interest rates close to 0, people are forced to invest their money to avoid losing buying power (as inflation is considerably higher than the typical interest rate on a saving account or term deposit). As many people do not want to actively follow-up their investment portfolio, most bank customers invest in actively-managed investment funds (o...

15 April 2021 /wealth /retail Fintech innovation and startups

A good business plan is the foundation of every new idea

Having a true "blue" (introvert and analytical) personality type, I often feel envy towards charismatic (often extravert) entrepreneurs and more specifically the ease with which they can setup new businesses and coordinate different activities. At the same time, it amazes me how many of those successful entrepreneurs have poor skills in f...

05 April 2021 /startups Innovation in Financial Services

Community