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Banking Technology

Banking is undergoing its most significant transformation since the introduction of ATMs. This collection examines how APIs, Open Banking initiatives, and embedded finance are redrawing the boundaries between financial institutions and reshaping consumer expectations. From technical deep-dives on authentication standards to strategic analysis of banking ecosystems, these articles provide context on how technology is redefining what it means to be a bank in the digital age.

Why Generalists Win in Complex Ecosystems

Why Generalists Win in Complex Ecosystems

Enterprises often assume breakthroughs come from the deepest experts. Yet in environments where priorities collide and silos slow progress, it’s generalists who create clarity; connecting disciplines, aligning incentives, and unlocking outcomes specialists alone can’t reach.

When Systems Fail: The Hidden Impact on Financial Inclusion

When Systems Fail: The Hidden Impact on Financial Inclusion

The Treasury Committee's investigation into Barclays' January outage reveals a critical but often overlooked relationship: the connection between operational resilience and financial inclusion.

Behavioural Biometrics

Behavioural Biometrics

Discusses the challenges faced by European Issuers in their goal to deliver a compelling customer experience while also satisfying the overlapping requirements of the EBA, their local regulators and the card scheme guidance.

Going ‘All In’ with Broadcom

Going ‘All In’ with Broadcom

Returning to Broadcom's Payment Security team reminded me how rare it is to contribute to solutions affecting millions of people daily. I've also transformed my blog infrastructure to match my career journey.

Thriving in the Open Banking Ecosystem

Thriving in the Open Banking Ecosystem

At the recent Open Banking Excellence event, I heard that the average bank offers around 300 products across their customer base. In a crowded market, it’s hard for a bank to differentiate themselves and offer a single market-leading product and so it’s virtually impossible for a bank to

The Future of Financial Advice

The Future of Financial Advice

Open banking and AI-driven robo-advisors are reshaping financial advice. Explore how these trends are changing wealth management.