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FinTech Pulse

Artak Vardanyan, Product Marketing Manager

Responsible for PFM, BFM, CLO and Recommendation Engine product lines including defining product development strategy, developing sales collaterals including value propositions, and helping banks to do PFM right.

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Recent Posts

Data-driven business models are key to banks' survival

The call for retail banks to reinvent their business models has never been more urgent. On one hand, banks are challenged by shrinking revenues and struggle with achieving operational cost efficiencies. On the other, they must face the rising threat of FinTech startups that are attacking their core businesses, with the likes of Lending Club, Funding Circle, TransferWise and Venmo quickly becoming household names.

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Topics: FinTech, Card-Linked Offers, Digital Transformation, Big Data, digital money management, FinTech Race

Author: Artak Vardanyan, Product Marketing Manager on Oct 28, 2015

The Digital Banking Transformation: A How-To Guide (Part 3/3)

Part III of our How-To series. Read Part I and Part II.

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Topics: Disrupting Banking, FinTech, Digital Transformation

Author: Artak Vardanyan, Product Marketing Manager on Apr 27, 2015

The Digital Banking Transformation: A How-To Guide (2/3)

Part II of our How-To series. Read Part I here

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Topics: Disrupting Banking, FinTech, Digital Transformation

Author: Artak Vardanyan, Product Marketing Manager on Apr 13, 2015

The Digital Banking Transformation: A How-To Guide (Part 1/3)

The next 20 years will see the world go from 20,000 “analog” banks to no more than several dozen “digital” institutions.

                                                               -Francisco González, BBVA Chairman

These days, “digital transformation” tops the list of mission-critical issues for banks. Most have been on this journey for years now, but are only halfway there and struggling. This is unsurprising given the breakneck pace of emerging trends such as Internet of Things, mobile ubiquity and wearables, combining to create a new and unfamiliar set of customer behaviors and expectations. 
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Topics: Disrupting Banking, FinTech, Digital Transformation

Author: Artak Vardanyan, Product Marketing Manager on Mar 30, 2015

Does PFM generate a robust ROI?

Personal Financial Management (PFM) solutions have experienced another phenomenal year. Since our last posts on PFM adoption trends and why banks choose PFM, leading banks including Deutsche Bank, Allied Irish Banks, Consors Bank, and Hellobank! continue to join the PFM race.

Though most of us would agree that PFM is the logical next step for an online-banking-enabled institution, bankers themselves are constantly questioning its true value. The same doubt surfaces again and again:

“What is the ROI of PFM? No promises please, show us numbers… prove it that it works”.

This is a valid concern, considering that PFM implementations have produced very mixed results. Some banks have adopted PFM quite successfully. Others experienced results that fell short of their expectations, leading to overall disappointment with the tool.

This uncertainty sparked our quest to gather as much evidence as possible to support or reject the thesis that PFM enables a more robust ROI...

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Topics: Personal Financial Management (PFM)

Author: Artak Vardanyan, Product Marketing Manager on Feb 23, 2015

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