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FinTech Pulse

Aoife Crean

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PSD2: Where Customers Call the Shots

Change, in all its forms, brings with it concern and unrest, but also huge opportunity.

Particularly when change is imposed, it is often hard to see beyond the regulations and embrace the possibilities.  Banking, having experienced relatively little change in recent times, is now on the cusp of considerable transformation in the shape of PSD2, or the Revised Payment Service Directive.

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Topics: Personal Financial Management (PFM), PFM, digital banking, PSD2, personalized finance, psd2 impact on banks

Author: Aoife Crean on Aug 3, 2017

The Art of Artificial, A Love of Logic

Co-founding Strands came as a natural next step for me after a degree in computer science from the Technical University of Catalonia (UPC) and a PhD in Artificial Intelligence from the EPFL in Switzerland.

Prior to setting up Strands with Francisco Martin in the US, Professor Boi Faltings and I had co-created and sold a company using AI for travel planning, which at the time was a huge step in innovation.

Whilst studying computer science, I discovered that logic is a mathematical tool that allows computers to model the world with symbolic programming, to solve real world problems that require some degree of intelligence, such as planning and reasoning.

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Topics: Personal Financial Management (PFM), PFM, digital banking, personalized finance

Author: Aoife Crean on Jul 25, 2017

If It’s So Good, Why Hide It? Invisible PFM - A New Take on Money Management

Banking has gone undercover and it’s been a long time coming. We want our banks to do a lot for us, but it transpires that the less you can actually see your bank doing for you, the better.

So, it begs the question: why would banks suddenly decide to assume the Good Samaritan role after all this time? Sheer benevolence or is there something in it for them too?


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Topics: Personal Financial Management (PFM), PFM, digital banking, personalized finance

Author: Aoife Crean on Jun 29, 2017

The Deserving Under-Served – Shifting the Focus for Banks

The world of banking has remained unchanged for decades; when all about them were innovating and disrupting their sectors various, the bank did nothing, managing to continue its unilateral conversation to its one customer. The middle-aged man. The banking sector has done itself no favors by eliminating the woman from their branding strategy; this already eliminates 51% of the world’s population from their message and more importantly, the segment of society who makes the most purchasing decisions -85% to be precise- for the household.

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Topics: SMEs, Financial services for women, digital banking, banking and millennials, segmentation, segments

Author: Aoife Crean on May 5, 2017

PFM - the topic still on the tip of everyone’s tongue, but has the time come to stop talking and start doing?

Money is the big taboo, undiscussed in social circles. It is unheard of in polite culture to ask your friends what they earn, or how they manage their money, and yet it is something we all secretly wish we knew. Does our friend/colleague/neighbor have all the answers, whilst we make a hot mess of our accounts?

In fact, we often don’t even ask our banks for advice, so PFM, or Personal Finance Management seems to be the tool to put pay to all this ambiguity surrounding the issue of finances.

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Topics: Personal Financial Management (PFM), FinTech, PFM, invisible PFM

Author: Aoife Crean on Mar 16, 2017

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