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Articles by Tomer Guriel
Forbes JAPAN 公式サイト（フォーブス ジャパン）
中小企業向け融資の分野は、根本的な変革期を迎えている。人工知能（AI）は長年にわたり議論され、さまざまな形で徐々に開発・提供されてきたが、最近登場した2つの補完的な技術、すなわちカスタムGPTモデルとエージェント型AIは、中小企業向け融資のローン組成（オリジネーション）プロセス全体を再構想するための新たな機会をもたらしている。 銀行および融資機関の意思決定者にとって、その含意は大きい。意思決定までの時間短縮、リスク評価の精度向上、規制遵守の強化、そして何より、これまで十分にサービスが行き届かなかった中小企業の借り手にとっての体験が劇的に改善される。 もはや問われているのはAIを採用するかどうかではない。本当の優位性を生み出すために、いかに展開するかである。 2つの技術、1つの機会 カスタムGPTモデルは、文脈理解、人間並みの品質のコンテンツ生成、そして機微に富んだ対話の維持に優れる。融資方針、規制要件、組織知をもとにファインチューニングすれば、ポリシーの細部を決して忘れず、同時に何百人もの申込者とやり取りできる、知識豊富な「同僚」となり得る。...
An Intelligent Combination: A Fresh Perspective On AI In SME Lending
Tomer Guriel is the cofounder and CEO of ezbob, a proprietary core lending platform that enables banks to migrate to digital services. The SME lending landscape is undergoing a fundamental transformation.
The CEO Playbook For Building Fintech Partnerships That Actually Work
Tomer Guriel is the co-founder and CEO of a proprietary core lending platform that enables banks to migrate to digital services. Fintech partnerships are of the moment, but sadly, only a few are built to last. Behind the flurry of announcements and integrations, a much more nuanced picture is emerging, and, as is the case with many of the best things in life, the most effective collaborations aren't those that shout the loudest.
From Predictive Insights To Proactive Actions
Tomer Guriel is the co-founder and CEO of ezbob, a proprietary core lending platform that enables banks to migrate to digital services. I predict that soon we will not be able to imagine our lives without artificial intelligence (AI) and machine learning (ML), with so many tools reshaping the landscape. These tools are evolving fast from being advanced search engines to providing contextually relevant, near-human responses, streamlining research and simplifying decision-making.
Council Post: How Banks Can Elevate Customer Onboarding With AI
Tomer Guriel is the Co-Founder and CEO of ezbob - a propriatery Core Lending Platform enabling banks to migrate to digital services. Think about this: Your clients enter a bank to open an account or apply for a loan. They are greeted by a banker who knows their history, understands their needs and communicates the process clearly, leaving them confident they are getting the best possible service and offer.
Council Post: Revolutionizing Banking Through Orchestration In The Digital Age
Tomer Guriel is the Co-Founder and CEO of ezbob - a propriatery Core Lending Platform enabling banks to migrate to digital services. Most banks are familiar with the concept of “going digital.” They observe their customers increasingly engaging with digital services, recognize the complexities involved and understand the substantial value of adopting digital-first solutions while forming strong partnerships with innovative fintech companies.
We’ve re-engineered our platform in response to the changing digital banking landscape
As the financial services ecosystem continues to shift around us, we’re proud to have launched Ezbob Express, our new high-speed, data-driven customer acquisition platform. It’s a modular SaaS platform that delivers more customers to companies, in a more profitable way. The advanced cloud-based modular design offers unmatched deployment speed and flexibility – which is exactly what today’s financial institutions need to stay at the forefront of their customers’ thinking.
6 ways to find an offshore development team in 2021
Outsourcing is the new norm for developers to build software products. The vast transformation of the remote work business model has forced businesses to switch to outsourcing. Hiring offshore developers provides businesses access to cost-efficient qualified resources. By outsourcing the development project, companies will obtain qualified professionals, a large talent pool, the latest technology development, and quality-oriented solutions.
Is hyper-personalization of loans a new opportunity window for FinTech?
The classical approach of targeting clients on the loan market is to sell the loan product based on communicated parameters. Banks display features of the products as a primary acquisition driver. They usually compete in speed of the approval process, interest rates, flexible duration. However, the world around us and customer needs are changing so fast that keeping up with the pace is challenging. A proven value proposition will not be helpful in the next six months.
The digital banking genie is out of the bottle
For millions of people, banking today is leaps and bounds better than it was even a decade ago, when payments took days instead of minutes to clear. This was before the era of smartphones and mobile banking or the idea of bringing smarter banking capabilities to their fingertips, no matter where you were.
How can banks embrace the post-pandemic relationship with customers?
The past 12 months have been a period of intense learning for banks, providing them with unique insights into the customer experience and what services will be at the core of their offering for the years ahead. Banks must now look at how they implement these learnings and ensure they maximise the opportunity to strengthen customer relationships as lockdown eases.
Personalisation - what banks can learn from the telecoms industry
Tailored product offers, timely tips for financial management, curated messages based on a customer’s location – these are all great examples of personalisation. Yet this type of engagement continues to be out of reach for most financial institutions: in a piece of Deloitte research, less than a third of customers think they receive personalised products/services from their banks.
What do US customers really want from their banking providers?
Having seen what’s available in adjacent industries, US consumers and small businesses are demanding a higher level of customer service, a better user experience (UX), and the necessary security measures to keep them safe as the world recovers. By adopting the latest digital solutions, banks and other financial institutions can make sure that they meet these pressing needs.
EXTENDING THE POWER OF YOUR ACCOUNTING SOFTWARE WITH AUTOMATION APPS - PT.1
The evolving nature of industry automation and why CFO’s can’t afford to be left behind Cloud accounting ledgers were cool in the twenty-tens with the emergence of companies like Xero, Quickbooks and MYOB amongst others. If you joined the accounting Software as a Service (SaaS) bandwagon in this period, you are officially an ‘early adopter’ and were ahead of your time. Now it's all about extending the power of your accounting software with automation.
The Future of Credit
Why Commercial Lending Must be Digital and Real-Time When the Internet age arrived, banks became known for using leading-edge technology to solve complex business challenges. In the decades since, they have tried to keep pace, with varying degrees of success – but many are now coming up short. Retail banking is falling behind other sectors in the use of high tech, and commercial banking lags behind retail. Meanwhile challengers are disrupting the market.
Who says elephants can’t dance?
There is this pandemic which has changed several equations. No doubt there is a need to be more and more digital to ensure resiliency. While this started long back in retail banking and is also now reaching the maturity stage, what comes as a surprise for me is the way the corporate banking is transitioning. This has started even before covid has set in.
US financial institutions embrace digital transformation in the wake of COVID-19
As the dust settles, a strong digital appetite is emerging amongst US financial institutions who are increasing focus and spend on digital capabilities, customer onboarding, and product origination. The COVID-19 pandemic has reshaped how banks interact with their customers. This is particularly true in the US, which has more financial institutions that any other country and a total market size in the range of the European Union (EU).
How The Cloud Is Changing Fintech
The 2020s are the era of the cloud. Not only are more organizations moving their infrastructure to the cloud, but over 55% say they are using multiple public clouds, according to the 2020 IDG Cloud Computing Study. And a sizable slice of companies’ IT budget (32%) is dedicated to this purpose. With purported benefits such as accessibility, ease of use and fast deployment, it’s not hard to see why businesses are drawn to this relatively new technology. But what does this mean for fintech?
Global trade faces far longer-term challenges than a grounded cargo ship
Ever Given, the massive container ship that blocked the Suez Canal for seven days, captured the attention of news media around the world as estimates claimed it was holding up $9bn each day in global trade, straining supply chains already burdened by the pandemic. The Suez Canal separates the continent of Africa from the Middle East and Asia and is one of the busiest trade routes in the world, handling about 12% of all world trade.
Modernizing Legacy Processes, Business Models and Technology without breaking the Bank.
The onus on traditional enterprises to reinvent and compete with peers is greater than ever. Incumbents across industries are investing to transform their legacy platforms, redesign business processes and continuously innovate their business models to stay relevant. However, transformation strategies aimed at designing modern software applications fail miserably during execution if the road to modernization is not thought through well at the outset.
Commercial Banking and Fintechs: 3 Reasons They’re Better Off Best Friends Instead of Foes
The way we bank began shifting long ago and commercial banking is now being confronted with similar challenges as corporate clients expect online/mobile banking, touchless processing and overall improved efficiency. Fintechs, offering the power of automation paired with payment processing capabilities and gateways to swiftly bring new products and services to market, effectively and expeditiously meet those expectations. It’s logical for the two to work together, but are they willing?
Matching the Challenger Banks in Digital SME Lending
The UK’s small and medium-sized enterprises (SMEs) have traditionally turned to the big high street lenders for all of their financing needs. The much-publicised advent of the challenger banks is reshaping this dynamic, and it’s crucial for the incumbents to invest in their digital services in order to stay competitive and retain market share. SME lending in the UK is typically dominated by five prominent banking groups: NatWest Group, Lloyds Banking Group, Barclays, Santander, and HSBC.
Understanding the three key trends in SME banking for 2021
What does the coming year hold in store for the UK’s small and medium-sized enterprises (SMEs) as they build towards recovery, and how will they access the finance needed to fuel their growth? After a year that’s been disrupted by COVID-19, I identified three key trends that will shape the evolution of SME banking in 2021: The pandemic has accelerated digital transformation in banks’ lending platforms, with more now using advanced technology for onboarding and loan management.
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