Instigate change. Start a new collaborative Blog Group

Create group
Blogs
Joris Lochy

The Dawn of DORA: Building a Resilient Financial Infrastructure

Digital threats top the agenda for every Chief Information Officer (CIO), especially in the Financial Services industry, where the consequences of breaches can be catastrophic. As financial services i...

21 May 2024
Banking Regulations
Joris Lochy

Instant Payments: Overcoming Challenges for a Faster Tomorrow

Around the world, there are significant moves to transition from traditional electronic money transfers, which rely on batch settlement systems that can take several days for transactions to clear, to...

13 May 2024
The Payments Business
Joris Lochy

PSD3: The Next Phase in Europe’s Payment Services Regulation

With the successful rollout of PSD2, the European Union (EU) continues to advance innovation in the payments domain through the anticipated introduction of the Payment Services Directive 3 (PSD3). On ...

06 May 2024
SEPA and European Payments
Joris Lochy

Trade-offs Are Inevitable in Software Delivery - Remember the CAP Theorem

In the world of financial services, the integrity of data systems is fundamentally reliant on non-functional requirements (NFRs) such as reliability and security. Despite their importance, NFRs often ...

29 Apr 2024
Banking Architecture
Joris Lochy

From Transactions to Insights: The Journey of Bank Payment Data

It is often stated that 'Data is the new oil', suggesting that data, like oil, holds immense value but remains unusable if unrefined. While this comparison simplifies, it effectively highlights two si...

23 Apr 2024
Big Data
Joris Lochy

The Future of Banking: Beyond Products, Towards Experiences

The financial industry is undergoing a significant transformation. Banks are evolving from mere repositories of money and providers of loans and investments into facilitators of our financial journeys...

15 Apr 2024
Digital Banking Trends
Joris Lochy

Safeguarding Finance: The Crucial Role of Sanction Screening

Financial crime continues to be a major issue, undermining the trust and safety of global financial systems. The United Nations estimates that a staggering 2 to 5% of global GDP, or between EUR 715 bi...

18 Mar 2024
Banking Regulations
Joris Lochy

The Fraud Puzzle: Assembling the Pieces of Payment Security

Following our previous blog 'Rethinking AML: A Call for Innovation and Efficiency' ("https://bankloch.blogspot.com/2024/02/rethinking-aml-call-for-innovation-and.html"), where we navigated t...

04 Mar 2024
Payments strategies 2015-2020-2030
Joris Lochy

Rethinking AML: A Call for Innovation and Efficiency

In the financial services sector, Anti-Money Laundering (AML) continues to be a topic of intense debate. Discussions oscillate between advocating for stricter regulations and questioning the extent of...

13 Feb 2024
Banking Regulations
Joris Lochy

Rethinking Refunds: Leveraging Technology for Enhanced Efficiency

Just over a year ago, I wrote a blog describing how merchants struggle with an efficient refund process (cfr. "Refunds - A bigger problem than you would imagine" - https://bankloch.blogspot....

07 Feb 2024
Payments strategies 2015-2020-2030
Joris Lochy

The Art of Checkout: Digital and Physical Shopping Experiences

Every business inevitably engages in a checkout journey. In B2B contexts with low-volume but high-value transactions, this can be a lengthy, manual process. Nevertheless, the same three key steps can ...

10 Jan 2024
Payments strategies 2015-2020-2030
Joris Lochy

The Shift to Trust-Based Partnerships in Financial Services: Aligning the objectives

In the dynamic world of financial services, rapid innovation, rising customer expectations, and increasing complexity are the norm. This reality necessitates a shift from traditional in-house operatio...

18 Dec 2023
Fintech World

Now hiring