Latest opinions that Alex Kreger has shared on Finextra

The Underestimated Role of Digital Brand Identity in Financial Services

Customer-centered product design plays a crucial role in building trust for modern financial companies and banks. Research from Frontiers in Psychology shows that attractive product designs positively impact consumer behavior, making users feel more favorable toward the product and the brand. However, customer trust goes beyond just aesthetics or ...

17 February 2025 /retail /identity Innovation in Financial Services

How Innovation Can Ruin Financial Brands Consistency and Users Trust

Digital transformation and innovation is an ongoing process that is aimed to enhance user experience and streamline banking services. However, if executed poorly, it can have the opposite effect—fragmenting the brand experience and damaging customer trust. Inexperienced implementation can lead to confusion and frustration, causing users to make m...

10 February 2025 /ai /retail Innovation in Financial Services

The Risk of AI-Driven Banking Commoditization

Banks are rushing to integrate AI into their digital ecosystems, promising hyper-personalization, frictionless experiences, and advanced financial guidance. But what if the real consequence of AI adoption is the death of differentiation for banking brands? AI Will Flatten the Competitive Landscape In the near future, the banking industry will unde...

07 February 2025 /ai /retail Artificial Intelligence and Financial Services

Add Dopamine to Your Digital Banking App and Beat the Competition

Today’s Fintech disruptors and neobanks are igniting our brains’ reward centers with flashy visuals, gamified challenges and social interactivity that practically beg us to keep coming back for more. This is the effect of “Dopamine Banking,” where finance meets emotions and entertainment, and every tap of your smartphone is engineered to delight a...

03 February 2025 /retail /startups Innovation in Financial Services

$150M Failure or Foundation: UX Lessons to Learn from Zing’s Shutdown

Despite a significant investment of $150 million in its development, HSBC's international cross-border payments app, Zing, launched in January 2024, is slated for closure. Zing, HSBC's Fintech venture, launched with the ambitious goal of disrupting the international payments market and rivaling established Fintech players like Wise and Revolut. An...

24 January 2025 /retail /startups Banking Strategy, Digital and Transformation

How Financial Brands Can Elevate Their Digital Products Credibility

In the race to innovate, digital services are racing ahead, but trust is often left in the dust. The result? A gap between brands and users that can feel as vast as a canyon. Trust is more than just a checkbox on a digital product brief; it’s the glue that binds users to your brand. Without it, even the flashiest features can feel like empty promi...

20 January 2025 /retail /identity Innovation in Financial Services

Breaking the Mold: Dopamine Design Moves Digital Banking Beyond Wireframes

In the modern digital banking landscape, the bar for user experience (UX) and visual appeal continues to rise. Yet, when we take a critical look at many products in the space, it often seems like financial service designers shipping glorified high-fidelity (hi-fi) wireframes instead of truly refined digital experiences. Banks invest plenty of res...

14 January 2025 /retail /identity Innovation in Financial Services

The Netflix Moment in Banking is Already Here

For years, “Netflix moment” has been the rallying cry for how an entire industry could be disrupted overnight by a fast-moving innovator. In retail video, that moment arrived when Netflix streamrolled Blockbuster by delivering personalized, on-demand content. Today, that same disruptive force is already transforming finance. The banking industry no...

08 January 2025 /ai /retail Innovation in Financial Services

Banks Beyond 2025: Seven Digital Banking Trends to Elevate Financial Brands

In a world where anyone can create a banking, fintech or e-wallet app, digitalization is no longer a differentiator of financial brands. The real challenge now is building a brand's digital experience that goes beyond basic functionality—an experience that bridges the financial brand with customers’ values, emotions and long-term aspirations. The...

16 December 2024 /ai /retail Innovation in Financial Services

How Financial Brands Lose Their Identity in the Digital Age

The digital transformation in banking—once hailed as the panacea for accessibility, efficiency, and growth—has inadvertently plunged many into a sea of sameness. The widespread adoption of templated designs and standardized user interfaces has led to a relentless pursuit of functionality over individuality. This shift has cost financial institutio...

11 December 2024 /retail /identity Innovation in Financial Services

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The Underestimated Role of Digital Brand Identity in Financial Services

How Innovation Can Ruin Financial Brands Consistency and Users Trust

The Risk of AI-Driven Banking Commoditization

Add Dopamine to Your Digital Banking App and Beat the Competition

$150M Failure or Foundation: UX Lessons to Learn from Zing’s Shutdown

How Financial Brands Can Elevate Their Digital Products Credibility

Breaking the Mold: Dopamine Design Moves Digital Banking Beyond Wireframes

The Netflix Moment in Banking is Already Here

Banks Beyond 2025: Seven Digital Banking Trends to Elevate Financial Brands

How Financial Brands Lose Their Identity in the Digital Age

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