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Ben Goldin

Founder and CEO

Plumery

Member since

08 Nov 2017

Location

Amsterdam

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Ben's opinions

The super app’s gravitational pull

The explosion in the number of super app users over the past decade is staggering: China’s WeChat now has around 1.38 billion monthly active users (MAUs); India’s Paytm has 100 million; Argentina’s Mercado Libre has 56 million; UAE’s Careem has 48 million; and Indonesia’s Grab has 41.9 million MAUs. In 2022, Gartner forecasted that 50% of the ...

08 April 2025 /retail /predictions

From Routine to Results: Five steps to RFP Modernisation

In today’s fast-moving world, so many software delivery and implementation projects have evolved to meet the demands of new technologies and changing workforce dynamics, certain practices remain surprisingly stuck in the past. From software development shifting rapidly toward agile methodologies, allowing teams to adapt to evolving needs, to IT in...

19 November 2024 /startups Digital Bank Transformation

Mind the Gap: Expectations vs. Reality in Modern SME Banking

Small and medium-sized enterprises (SMEs) are undeniably a cornerstone of global economic growth and innovation. The International Labour Organization recently reported that in most OECD countries, SMEs contribute more than 50% of GDP, with some global estimates placing this figure as high as 70%. Despite their significant economic role, SMEs cont...

09 July 2024 /retail /inclusion Banking

2023: A year of banking innovation

As we reach the end of another eventful year in banking, it’s time to take stock and reflect. From the accelerated fall of high street bank empires, the ongoing fight for market share from both incumbents and their challenger peers, and how everyone is harnessing the power of AI, it’s been quite a ride. Here we give a run-down of some of the most...

11 December 2023 /retail /predictions Banking

It ain’t what you do…

The essence of what makes a great bank has not really changed in terms of the purpose they serve. Consumers have always wanted exemplary customer service, a wide selection of products and services, and a safe and secure environment that protects their hard-earned money. But what has changed irrevocably is the way in which these elements are delive...

30 November 2023 /retail Digital Bank Transformation

Digital Banking Experience: A new answer to the classic ‘build or buy?’ question

Creative digital disruption facing the banking sector is set to continue for several more years, certainly until the last of the high street branches closes its door. But how do both long-established banks and newer competitors not only stay in the game, but emerge victorious? It’s all down to one question. One that all banks would have most cert...

20 November 2023 /retail /devops Digital Bank Transformation

Partnering for Success

Financial institutions hoping to keep pace with rapid customer and markets changes have to first change how they think about technology if they want to survive in a digital world. Instead of seeing it as something that has to be done at great length and expense, it should be seen as a strategic advantage - if the right approach is taken. Given t...

12 June 2018 Fintech

APIs Are Changing Financial Services

The use of application programming interfaces (APIs) is presenting a world of possibilities to financial institutions. They enable the flow of information between applications and gives institutions the ability to easily access customer data, draw insights and create innovative products tailored to consumer, market and regulatory needs. For partne...

08 November 2017 /retail Banking Architecture