Issue 190 · Nov 2, 2018 Weekly edition · 4 min read

Fintech News

Dear readers, please apologize this issue coming a bit late. But despite the delay, there's great news in this issue, as usual: Bankenstein: a story of APIs and monoliths. Brett King talks about simplifying banking with

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Fintech Insider Ep. 263. News: Digital all the way down

Our hosts, David M. Brear and Simon Taylor are joined by two great guests: James Hurley, Enterprise Editor, The Times and Kirsty Grant, Investment Director, Seedrs.

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In this issue · 13 items

Bankenstein: A Story of APIs and Monoliths 11FS — If you create a service that can be put in an app or on a website then it should be an API. Open story ↗ Why Would Innovators Want to Work With a Bank? The Financial Brand — Almost every financial institution says it's looking for young, creative and innovative minds to help develop the ‘next big thing’. But how do banking providers overcome the biggest obstacle when trying to attract talented innovators — namely that they are a bank? Open story ↗ Innovation in Retail Banking 2018 Digital Banking Report — To move forward at the speed of change will require a doubling down on providing a culture of innovation throughout organizations, combined with a willingness to embrace change, take appropriate risks and disrupt what has been the norm in the past. This requires getting out of our comfort zone and finding a way to serve the consumer in the way they are being served by big tech alternatives. Open story ↗ How To Survive The Future of Banking The Financial Brand — One of the major adjustments required to assure success in banking's next chapter is the change needed within yourself. With the world changing faster than ever, are you changing with it … or will you be left behind? Four steps will help you chart your course. Open story ↗ Passion For Banking Innovation Fueled By Fintech, Big Tech Disruptors The Financial Brand — The Innovation in Retail Banking 2018 report provides a look back over the past decade with a view toward the future of innovation in financial services. While the commitment to innovation has increased, there are still many investment gaps, such as with advanced data analytics. Open story ↗ For Fintech Startups, Winning Customer Trust Is All About The Revenue Model Forbes — An enterprise’s revenue model is, of course, vital to success. But for fintech entrepreneurs, it’s especially crucial. Open story ↗ After 10 years, Bitcoin has changed everything – and nothing Wired — It all started with the white paper. When Nakamoto published the paper, many of the underlying concepts of Bitcoin already existed, including the idea of issuing digital money to people who devoted computing resources to a problem. Open story ↗ Brett King: Simplifying Banking with a Distinctive Digital Solution Insights Success — There are very few people who could honestly claim that they are in complete control of their finances. While the majority of us have used budgeting programs or applications, we often discover that getting insights from the data is not as simple as we are led to believe. Open story ↗ What we mean when we talk about legacy: mindset, architecture, data and Dave Banking Tech — “Legacy” tends to be a positive word in most environments. It denotes successful and mostly uninterrupted history. It connects present endeavours to past and future. It is considered an asset. Something to be proud of. Open story ↗ This time it’s personal: the financial industry is banking on AI to better serve customers Microsoft — The financial services industry is undergoing a massive transformation. Financial technology companies (fintechs) are challenging traditional enterprises, while players from other sectors such as retail and technology are entering their turf. Open story ↗ The Dynamics of FinTech in Boosting Growth of Microbusinesses FinTech Weekly Magazine — For a long time, the micro, small and medium enterprises have been having a tough time getting microloans from traditional banks, especially if the small business is new with no long credit history. Open story ↗ Institutions Are Coming for Your Crypto Coindesk — The term "institutional crypto" sounds like an oxymoron. There's something quite ironic about financial institutions adopting a renegade technology that was designed to do away with them. Yet a string of developments this past month suggests that – to put it bluntly – the institutions are coming for your crypto. Open story ↗ Digital Banking Wins, But Don’t Close Branches Yet The Financial Brand — New research quantifies consumers' use of multiple channels, that a potential 'sleeper' banking technology may be on the horizon, and that the competitive threat from non-bank competitors has ramped-up on several fronts. Has legacy banking lost its edge? Open story ↗

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Fintech Insider Ep. 263. News: Digital all the way down

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