Day one of the PulseCore Events on Digital Banking Excellence has been nothing short of inspiring!

Day one of the PulseCore Events on Digital Banking Excellence has been nothing short of inspiring!

???????? We have witnessed a convergence of traditional banking undergoing massive digital transformations and the rise of neo-banks with innovative offerings in various countries. Yesterday, our focus was on mobile payments and banking excellence.

???????? We kicked off with Alex Clements from Griffin, diving into seamless remote account opening—an approach that blends low friction, clear communication, robust customer service, and agile security controls, even in the absence of face-to-face interactions.

???????? Next up, Jose Luis Navarro Llorens from BBVA enlightened us on the journey from Open Banking to Open Finance to Open Data, projecting a staggering $7.2 trillion global market by 2030.

???????? Mariam Adeola Ogunbambi from Starling Bank shared insights on democratizing digital banking, emphasizing that "change isn't a risk, not changing is."

???????? We also welcomed Salt Bank, a promising digital bank modeled after Starling Bank, with Gabriela Cristina Nistor's support for Romania, showing strong early promise.

???????? Thomas Winandy from Commerzbank shared strategies on staying ahead through app excellence, highlighting their agile shift and recent innovations like instant payments and financial assistants.

???????? Then, we delved into personalized and behavioral finance with Oxford Risk and Thomas Bradley Mitchell, emphasizing the importance of emotional discipline in investment decisions.

???????? Vanja Tokic from Raiffeisen Bank International impressed us with his honesty and empathy, stressing the need for clear vision and leadership commitment during digital transformation while maintaining a constant engagement with clients with the necessity of a human touch.

???????? Harris Mygdalis from Eurobank shared insights on leveraging Bank APIs for Open Finance Expansion, underscoring their role in service distribution and market adoption.

???????? Claire Maillet from the University of Portsmouth warned us about the inseparable link between digitalization and security, particularly insider fraud.

???????? We concluded with a glimpse into the future, discussing "digipersonalizing" (I created it!)—a fusion of digitalization and personalization that anticipates and fulfills customer desires, exemplified by our innovative business model of Alpian, Switzerland's first digital premium bank.

???????? Stay tuned for today's discussions on digital identity and onboarding!