North America has long been one of the largest and fastest moving regions in terms of technology investment, and 2024 will be no different. IT b…
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2024/06/30
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2024/06/30
With so many different regulatory changes and initiatives underway in the payments industry, it’s easy to miss the SEPA Payment Account Access s…
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2024/06/30
The European banking sector looks set for a year of technology-driven change. IT budgets have grown by an average of 5% on average compared to 2…
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2024/05/16
As the market challenges faced by banks and their customers in 2023 begin to subside, the innovation advantage continues to shift towards banks…
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2024/05/16
The rationale for banks to invest in improved cross-border payment services is clear and growing stronger. In the retail segment, there is the p…
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2024/05/09
2024 will be a busy year for technology-enabled change in the retail banking industry. IT budgets have grown by an average of 4.4% compared on 2…
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2024/04/23
Spring has very much sprung in Europe, but it is not just the flowers that are starting to bloom. The past few days have seen important developm…
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2024/03/20
組込型金融は今日業界で最も注目されている話題の1つだが、これにはもっともな理由がある。それは、組込型金融によって銀行は有機的成長よりもはるかに容易かつ低コストで新たな市場や顧客層にアクセスできることだ。ただし規模に関わらず、これを実現するには新たな機能や技術が必要となる。Standard…
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2024/03/28
中小企業セグメントはリテールバンクにとって規模が大きく収益性も高い。しかしさまざまなチャレンジャー企業やフィンテック、ノンバンクが事業主に向け機能豊富なデジタルサービスを掲げて市場に参入してきており、競争が激しくなっている。こうしたプロバイダーはオープンバンキングによって銀行取引関係に付…
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2024/02/08
To my eternal regret, I’ve never developed the ability to predict the future and I believe the same is true of my colleagues at Celent (or we’d…
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2024/01/31
Payments are an area of particular opportunity for Artificial Intelligence (AI) technologies. The complexities involved in processing non-card p…
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2024/01/24
Electronic Money Institutions (EMIs) have played a key role in the growth of the fintech sector in Europe and are now becoming systemically impo…
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2023/11/16
A year ago, the immediate future for variable recurring payments (VRPs) looked bright. The implementation deadline for sweeping transactions in…
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2023/11/28
Recorded on November 14, 2023. Banks have long sought agility through technology investments, from automating record-keeping and internal workfl…
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2023/11/22
2023年に発生した経済ショックは収束したように見えるが、リテールバンクとその顧客にとっては、金融環境は楽観視できない状態が続いている。銀行にとっては、純利ざやから得られる望外利益は、より高い貯蓄金利を求めて資金を他行に移動する動きや、信用リスクの上昇を考慮しなければならない。一方顧客に…