FinTech Pulse

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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Recent Posts

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: Artificial Intelligence, digital banking, AI, finovate

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

3 FinTech pathways to becoming your SME customers' primary bank

In a recent survey 500 of small businesses across the US and UK, BCSG found that mobile & online banking has overtaken branches as the channel of choice for SMEs to receive financial services. However, although there is still a considerable demand for business financial management (BFM) tools in the SME space (especially for bookkeeping, expense management & business planning), only about 30% of those surveyed actually had a software solution in place.

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

Author: Cesar J. Richardson, VP Sales and Operations (Americas) on Sep 22, 2015

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

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