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Will Beeson

The Next Big Thing in Alternative Lending

The Next Big Thing in Alternative Lending

In the first digital automation paradigm, the one in which we currently live, technology has enabled companies to enhance profitability by reducing the cost of delivering their products and services. Self-service across travel, ticketing, fixed and mobile telephony, TV & internet, shopping, insurance, investments, banking and more have shifted the

4 Reasons Challenger Banks Will Succeed

4 Reasons Challenger Banks Will Succeed

The banking sector is watching with bated breath as the first wave of retail-focused digital challenger banks prepare to go live in the UK. Atom Bank recently launched a savings product, but its full offering won’t be available until later this year. Tandem, Mondo and Starling are also scheduled

The Future of UK Banking is Bright

The Future of UK Banking is Bright

As discussed previously, incumbent banks in the UK need to move now to protect their market position from a growing number of challenger banks lining up to offer improved banking services to customers. Banks in other countries have adopted various strategies for continuing to innovate and protect market share against

How Can We Save the Banks?

How Can We Save the Banks?

In the UK more than in many other countries, there is a dichotomy between traditional, incumbent banks offering relatively dated products and delivery, and generally falling well short of customer expectations, and new, digital challengers seeking to reimagine banking with Apple-like elegance, intuitiveness and user experience. Despite its position among

What Will Banking Look Like in a World of Open APIs?

What Will Banking Look Like in a World of Open APIs?

With platforms like Mint.com in the US, legislation like PSD2 in Europe, and programs like the Open Bank API initiative in the UK, the traditional stand-alone bank model is changing. Once upon a time, people used one local bank for all their financial needs. Banks had regional footprints, and

What Will Next Generation SME Banking Look Like? (Part 2)

What Will Next Generation SME Banking Look Like? (Part 2)

For Part 1, click here. For centuries, businesses have depended on banks to provide financing to help them manage cash flow and grow. Despite widespread talk of banking disruption, SME customer needs are fundamentally the same today. Banks have built ancillary products around their core business of taking deposits and

The Next Banking Innovation Opportunity

The Next Banking Innovation Opportunity

Banking is in the midst of an overhaul, with incumbent banks and startups alike looking to reimagine the customer experience. Fintech firms are pitching shiny new retail propositions designed to offer improved user experience, often delivered via intuitive mobile apps leveraging native device capabilities like alerts, geolocation and biometric ID.