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.

Joanne Hannaford, global co-head of enterprise platforms at Goldman Sachs and one of the most senior female software engineers in the banking industry, speaks to Joy Macknight about the investment bank’s transformation projects.

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.

Under new chief executive Philippe Brassac, Crédit Agricole has simplified its oft-criticised group structure and devised a new plan, aimed at strengthening core business lines, improving operational efficiency and transforming its digital offering. Brian Caplen reports on how these changes will affect the bank. 

Austria is dealing with the same digitalisation and profitability issues as the rest of the eurozone, but insiders are confident the enforced upheaval in the country’s banking sector will have positive long-term benefits.

Bank of America Merrill Lynch’s head of strategy and innovation in global transaction services, Matthew Leavenworth, tells Joy Macknight why he believes that blockchain’s capacity to prompt an infrastructure overhaul could prove more important than the technology itself.