Latest articles from Transactions & Technology

Is it API or die for banks?

March 1, 2016

Whether or not to fully embrace APIs... It is a bold question but one that many answer strongly in the affirmative. Joy Macknight investigates whether banks are truly ready to open up their applications to the world.

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Why banks have to think backwards on fintech

February 29, 2016

Techfin or fintech? Incumbent banks think in terms of the former – applying technology to the financial process – while for start-ups it's the latter, in that they take the financial process and apply technology. It is a subtle difference, but an important one, says Chris Skinner.

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BNP Paribas ushers in digital CIB

February 1, 2016

BNP Paribas’ head of digital transformation for corporate and institutional banking, Rudi Collin, talks to Joy Macknight about his vision for transforming the bank into a truly digital organisation. 

The end of bank accounts as the 'digital me' takes over

February 1, 2016

As identities increasingly move online, the 'bank account' will eventually become a place where virtual money is kept in a digital 'bucket' with access allowed to trusted parties. 

BNY Mellon masters the art of digital

BNY Mellon masters the art of digital

January 4, 2016

Over the past three years, BNY Mellon has assembled the building blocks for the digital transformation of its business. Today, it is putting this work into practice and aims to be a change engine within the financial industry.

Cyber security: making banking safer

Cyber security: making banking safer

January 4, 2016

Protecting the banks’ crown jewels – money and personal data – may have become more difficult than ever, but financial institutions have fortified their defences with a little help from their fintech friends.

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Technisys helps Latin America warm to the digital revolution

January 4, 2016

Latin American banks may lag behind their counterparts elsewhere in the world when it comes to digital innovation, but German Pugliese Bassi, co-founder and chief marketing officer at Miami-based technology provider Technisys, believes that attitudes towards technology are changing, making it the ideal time to launch a digital-only bank in the region. 

Three lines of defence rebuilt for cyber threat

January 4, 2016

The UK's Senior Managers Regime seeks to formalise responsibility for risk, yet the threat of cyber attack sits outside of traditional risk governance standards, and means that protecting against such attacks will require a rethink of the traditional 'three lines of defence' model.

Reinventing bits of the bank

January 4, 2016

Fintech start-ups are adept at pulling apart the banking business, neatly picking off low-hanging fruit. Joy Macknight examines the disruptive business models erupting in the financial industry and the banks’ response to this wave of innovation.

The waterfall effect: technology takes time to hit the ground

January 1, 2016

Layers of resistance, from hard-to-update legacy systems to hard-to-break user habits, make the timeline for seeing a new technological innovation hit the mainstream surprisingly long. 

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