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Articles by Nikolai Hack
Purchase intelligence could be the key to helping consumers through the cost-of-living crisis
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Why tech partnerships are key to banks’ survival (Part 2)
In the first of our two-parter, we looked at why tech partnerships are key to the survival of the established banks. We explored the ‘say-need-gap’ and how there is a disconnect between what customers say they want from digital banking services and what they need so that they will effectively engage with them. Crucially, how banks can leverage the expertise and innovation of technology providers to fill this gap.
Banking as a Service: A Fast and Economic Route to Market.
My last blog explored Banking as a Platform (BaaP) to assess its market drivers and potential benefits. Today’s blog considers Banking as a Service (BaaS), a business model which is sometimes described as the inverse of BaaP. Are these two bookends really complements or substitutes? BaaS offers a new route to market for banks. It empowers them to attract new customers that might otherwise be unprofitable or simply out of reach.
Why tech partnerships are key to banks’ survival (Part 1)
That the retail banking landscape is undergoing one of its most profound changes in recent memory is no longer breaking news. The proliferation of digital, the deepening penetration of fintech and open banking, and the increasing customer demand for innovative services have combined to create an environment that is unrecognisable from that of only a decade ago.
How banks can protect themselves from cyberattacks in light of the conflict in Ukraine
We live in an increasingly unstable world, a fact which has been exemplified by the unfolding of the Russian invasion in Ukraine. Unfortunately, nationalist tendencies can lead to heightened east versus west sentiments and increased attacks on all nationalities supporting Ukrainian sovereignty. What is unknown, however, is how Russian cybergangs will respond to an attack on a neighbouring country.
Nikolai Hack, Co-Founder EXO Investing - The New Wealth Management-as-a-service Eco-system
Nikolai Hack, Co-Founder EXO Investing - The New Wealth Management-as-a-service Eco-system Nikolai is the co-founder and COO of wealth management platform EXO Investing which he started with school friend Lennart Asshoff in 2016. Backed to the tune of €16.5M at seed by ETS Factory and Ariane De Rothschild, their mission is to unlock private banking for everyone.
Financial services companies need small but strategic thinking in a crisis
Financial services companies need to adapt their innovation style during a crisis. Thinking small but strategic will be the way to stay ahead without exposing the business to too much risk. We are navigating unchartered waters at the moment — the adjustments Covid-19 has brought to all aspects of life have certainly been disruptive. In times of distress, innovation might seem like it should take a back seat.
Financial services companies need small but strategic thinking in a crisis
Financial services companies need to adapt their innovation style during a crisis. Thinking small but strategic will be the way to stay ahead without exposing the business to too much risk. We are navigating unchartered waters at the moment — the adjustments Covid-19 has brought to all aspects of life have certainly been disruptive. In times of distress, innovation might seem like it should take a back seat.
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