Latest opinions that Joris Lochy has shared on Finextra

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Joris Lochy

Product Manager at Intix | Co-founder

Capilever

Member since

05 Apr 2017

Location

Brussels

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Joris's opinions

The Shift to Trust-Based Partnerships in Financial Services: Aligning the objectives

In the dynamic world of financial services, rapid innovation, rising customer expectations, and increasing complexity are the norm. This reality necessitates a shift from traditional in-house operations to more specialized, external partnerships. Historically, these relationships have predominantly followed a customer-supplier model, focusing mainl...

18 December 2023 /startups Fintech World

The Unseen Backbone of Banking: A Deep Dive into Matching and Reconciliation

Last year I celebrated two decades of immersion in IT, specifically within the Financial Services sector. During this period I have been a witness to remarkable transformations in banking and technology. The emergence of Fintech companies and their customer-centric approach, along with significant advancements in software engineering like Agile me...

01 December 2023 /payments Data Management and Governance

Beyond Imagination: The Rise and Evolution of Generative AI Tools

Generative AI has revolutionized the way we create and interact with digital content. Since the launch of Dall-E in July 2022 and ChatGPT in November 2022, the field has seen unprecedented growth. This technology, initially popularized by OpenAI’s ChatGPT, has now been embraced by major tech players like Microsoft and Google, as well as a plethora...

26 November 2023 /startups Banking Strategy, Digital and Transformation

Unlocking the Power of AI: Reshaping Financial Services

AI is a hot topic and numerous articles are published stating that financial service companies not adopting AI today risk becoming obsolete tomorrow. However, as with many hypes, the industry’s adoption of AI may not proceed as rapidly as commonly predicted. Just as an example, for the past two decades, experts have been forecasting the obsolescen...

17 November 2023 /predictions Banking Strategy, Digital and Transformation

The Mafia Effect: How Successful Ventures Spawn Entire Ecosystems

A few weeks ago, I came across a LinkedIn post by Marcel Van Oost (whose content is truly remarkable, so if you’re not already following him, make sure to subscribe to his updates). Marcel’s post shed light on the "Revolut mafia". In just five years, 102 Revolut alumni-led startups (such as Payday, Kiko, Belvo, Fuse, Pledge, Flux, Sync, ...

09 November 2023 /startups /predictions Fintech World

The Fintech Regulatory Puzzle: From AISP to Bank

When discussing the dynamic world of Fintech, particularly in the context of neo-banks and payment Fintechs, licenses play a crucial role. This regulatory aspect, while less glamorous than cutting-edge user experiences, is a fundamental component of the Fintech ecosystem. Unfortunately, it often does not receive the attention it deserves in Fintec...

02 November 2023 /regulation /retail Banking Regulations

Scaling Smart: How to Grow Without Succumbing to Bureaucracy

As companies expand, it is almost inevitable that bureaucracy grows alongside them. The term "bureaucracy" typically carries a negative connotation, often associated with demotivated personnel, complex and excessive procedures, slow decision-making, silo-thinking, a disconnect between management and employees, and a lack of digitalizatio...

25 October 2023 /people /startups Banking Strategy, Digital and Transformation

Saving 2.0: Breaking Free from Tradition

In Belgium, the traditional savings account remains highly popular, boasting a total deposit of over 300 billion EUR. With approximately 11.5 million inhabitants, this averages to about 25,000 EUR per Belgian on their savings account. However, this is an average value; most Belgians do not have this amount on their saving account, which means some...

17 October 2023 /retail /inclusion Digital Banking, Mortgages and Savings

The Right Fit: Assessing Business Value before Adopting AI/ML

The potential of AI/ML is immense, yet it is often misused by managers who are driven by trends and a fear of missing out. Like any technology, AI/ML should be seen as a means to an end and should be evaluated for its business value within the appropriate context. To make informed decisions, managers should begin by assessing the use case they wan...

11 October 2023 /predictions Banking Strategy, Digital and Transformation

Fintech Fusion: How Integration is Driving Change

In the landscape of financial services, a multitude of 'as a service' models have emerged, revolutionizing how both financial and non-financial institutions (such as retail and HR Tech) offer financial services to their customers. Gone are the days of complex, lengthy implementation and regulatory projects. Financial services can now be readily ac...

02 October 2023 /regulation /startups Embedded Finance

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