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Cesar J. Richardson, VP Sales and Operations (Americas)

Over 15 years experience identifying business opportunities, implementing plans and generating revenue growth in investment banking technology, online travel and educational technology companies.

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SME Banking: Become your SME customers' primary bank in 2018

According to FIS Global's 2018 PACE (Performance Against Customer Expectations) Report, 43% of SME banking transactions in the UK are completed digitally, and 60% of SMEs increased their use of digital transactions in the past year.  In the US, the same report shows that 42% of SMEs use their mobile banking app (online and/or mobile) more than a year prior, but interestingly, far fewer small businesses are planning to jump ship, with 8 out of 10 SMEs satisfied with their banking provider. 

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Topics: Financial Management for Small Business (BFM), Digital Transformation, Unbanked, Underbanked, BFM, ENGAGER

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Sep 25, 2018

Home Is Where the Helping Hand Is. Finovate Spring: Proptech and AI

It was a pleasure to take part in Finovate Spring this year in sunny San Jose, and have the opportunity to meet and catch up with all the new and existing players on the FinTech circuit. Two full days of demos, lunches and networking opportunities, to share ideas and stay abreast of the latest concepts and innovations.

Of all the presentations I attended, two sparked my interest the most: Unison and Alpharank.

 

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Topics: digital banking, finovate, Artificial Intelligence, AI

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on May 10, 2017

Revolutionizing the Digital Experience in SME Banking

Where do SMEs fit in the fintech boom? Not only has this important demographic gone woefully underserved in regular retail banking, but now SMEs seem to be largely overlooked in digital banking initiatives as well.

Many banks worry more about data privacy than offering a superior customer experience to their business banking clients, but they’ve got it backwards: the SME customer is exactly where banks need to start when it comes to reimagining and upgrading the digital experience in small business banking.

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Topics: Financial Management for Small Business (BFM), SMEs, BFM, SME banking

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Mar 25, 2016

De-mystifying digital money management: 5 key elements for PFM success

Many people are confused by the resurgence of personal financial management tools, after hearing for years that digital money management (DMM) isn’t working and that customers simply do not want it.  We beg to differ, but can also understand why some banks have been disappointed...

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Topics: Personal Financial Management (PFM), Digital Transformation, Retail banking, digital money management

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Aug 3, 2015

Strands Loop meets Apple Watch: sneak peek into our R&D

We've all heard the news this week: Apple finally launched their much-anticipated Watch. The neat little device can handle phone calls, leverage iPhone via WiFi or Bluetooth, and doesn’t even need a built-in cellular radio. 

More importantly (at least for us), is understanding how this new hardware can improve your (financial) life without having to rummage through your bag or pockets to dig out your phone, slide to unlock, punch your passcode and tap the notification window.

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Topics: Disrupting Banking, Card-Linked Offers (CLO), Apple

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Mar 13, 2015

Reaching the Unbanked in Emerging Markets

Mobile money services (MMS) are spreading rapidly across much of Africa, Asia, Latin America and the Middle East, reaching over 60% of the world’s developing countries. The number of registered mobile money accounts has grown to just under 300 million globally in 2014. As this represents only 8% of mobile connections in markets where MMS are available, there is significant potential for future growth.

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Topics: Disrupting Banking, FinTech, Digital Transformation, Unbanked, Mobile, Underbanked

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Mar 6, 2015

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