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FinTech Pulse

Invisible PFM Will Transform Banking As You Know It

Personal Financial Management (PFM) has evolved greatly since its birth in the early eighties. Originally developed to bring money management into what was then a widespread technological shift to the nascent personal computer age, PFM has since become a sophisticated means of managing your money.

But in its current “visible” guise, PFM is not nearly as innovative as it can be, and it is the “invisible” idea of PFM that is set to overhaul banking as we know it.

In this article, we look at why the unseen PFM is inevitable and why it will be the driving force in transforming banking. Additionally, we look at how banks will evolve to intuitively anticipate their customers’ financial needs as well as scrutinize the major threat that all banks face if they fail to adapt.

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

Author: Victoria Yasinetskaya, Marketing Director on Feb 17, 2017

How Machine Learning Makes Banking More Personal

The rise of financial technology, or FinTech, has been one of the most exciting developments of recent years. Firms such as Transferwise, Kantox, Monzo and iZettle have proved that tech startups are capable of offering individuals and SMEs quicker, cheaper and more convenient financial services than traditional banks.

New progress in the area of artificial intelligence and machine learning has created the opportunity for fintech to steal yet another march on banks. Creative application of machine learning has the potential to enable startups to also offer a fairer and more personal service than anything that has come before.

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Topics: Digital Transformation, Machine Learning, Artificial Intelligence, personalized banking, AI

Author: Nicole Harper, Content Manager on Sep 30, 2016

How personalization powers the customer journey

David Sosna, CEO and co-founder of Personetics, talks to Shaun Weston of BankNXT about the power of personalization in banking, and how it can be used to enhance the customer journey.

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Topics: Personal Financial Management (PFM), customer retention, personalized banking, customer experience, alternative finance

Author: Nicole Harper, Content Manager on May 4, 2016

The crucial data missing from online banking... and customers would love to know

When I log into my online banking, I always find two account balances: the one I see on the screen (duh) and the one I need to figure out in my head (ouf!). The worst part is, neither of them are accurate or satisfactory...

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Topics: Personal Financial Management (PFM), personalized banking, PFM, OK to Spend, safe to spend, online banking

Author: Xavier Marcillac, VP Sales APAC on Feb 16, 2016

Porqué los usuarios te ignoran: la importancia de la UX

La experiencia de usuario (UX) está asociada a las emociones, los sentimientos, a la construcción, transmisión de la marca y la confiabilidad del producto. Como vemos, UX puede resultar un término bastante amplio. En este sentido, la experiencia de usuario se vuelve imprescindible como estrategia de abordaje y análisis de la eficacia de nuestros productos y nos permite parametrizar las repercusiones sobre el público al cual nos dirigimos.

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Topics: personalized banking, PFM, customer experience, user experience, UX, UI, experiencia de usuario

Author: Gastón Lasarte, Frontend Developer on Jan 15, 2016

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