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Estefania Gual

Estefania Gual is a business analyst at Strands. She determines required IT business solutions and assists in implementing them. Working for companies such as Strands, Avaloq Evolution and GFT IT Consulting, she has participated in core banking implementations for HSBC Private Bank and İşbank.

 

Recent Posts

A Little Insight Goes A Long Way

Engaging the SME customer & Improving Cash Flow

The number one aim of small businesses is to become profitable, and quickly. By nature, a small enterprise will have seasonal ups and downs and a cash cycle dictated by factors beyond their control, so ensuring they have enough cash in hand is critical. Profitable companies might see their cash reserves affected if they are moving too fast, and stagnating companies might find an unexpected liquidity issue unsurmountable.

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Topics: SME banking, SMEs, ENGAGER, customer insights, Artificial Intelligence, data analytics, machine learning tools

Author: Estefania Gual on Aug 23, 2018

The Critical Issue of Cash Flow for SMEs

The number one aim of small businesses is to become profitable, and quickly.  By nature, a small enterprise will have seasonal ups and downs and a cash cycle dictated by factors beyond their control, so ensuring they have enough cash to hand is critical. Profitable companies might see their cash reserves affected if they are moving too fast, and stagnating companies might find an unexpected liquidity issue unsurmountable. 

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Topics: conversational banking, SME banking, SMEs, small business, personalized finance, fintech innovation

Author: Estefania Gual on Jul 2, 2018

Breaking the Banking Mold:  The Current State of Affairs.

 

The Banking Business Model, In Detail – Part I: Cross-Border Payments

Everything has already been invented. How many times have you heard this said? It’s true that since the start of the internet revolution, creating new business ideas seems to be less of a daunting prospect and a increasingly attainable option for all. As a result, it now seems especially difficult to create new added-value services.

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Topics: fintech disruption, payments, fintech innovation, banking, Innovation, FinTech

Author: Estefania Gual on Feb 23, 2018

It’s Not About Millennials

As of 2015, the generation known as ‘millennials’ – those born between 1981 and 2005 - is the largest generation in history, surpassing the so-called Baby Boomers, one of the most important generations of our time, according to Pew Research Center. In America, there are currently more than 80 million millennials, the oldest of which will turn 36 this year, and they are expected to generate 46% of all U.S income by 2025

 

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Topics: digital banking, banking and millennials, traditional banking, millennial segment

Author: Estefania Gual on Apr 18, 2017

When will banking data drive customer success?

The exponential growth of technology is the paradigm that was described by Moore’s Law years ago and is characteristic of the present evolutionary process in technology. How fast this technology becomes reality is difficult to quantify, but a first discussion point may be the business context in which innovation will become preeminent. The banking industry is ripe for disruptive innovation, but it is a fact that there is a gap between the latest financial technology developments and the reality that banking customers are faced with.

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Topics: FinTech, PSD2, account aggregation, aggregation, open banking

Author: Estefania Gual on Nov 15, 2016

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