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1. Introduction to FinTech
- Dr. Markos Zachariadis
-
2. Digital banking and banking-as-a-platform
- Mr. Will Beeson
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3. Banking the unbanked
- Ms. Alix Murphy
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4. Bitcoin and beyond: the promises of blockchain
- Prof. Jonathon Read
-
5. Cryptocurrency and blockchain
- Dr. Garrick Hileman
-
6. Non-monetary blockchain use cases and smart contracts
- Dr. Garrick Hileman
-
7. Competitive dynamics in the financial services sector
- Prof. Bjorn Cumps
-
8. Regulation innovation
- Ms. Jo Ann Barefoot
Printable Handouts
Navigable Slide Index
- Introduction
- The speaker
- Digital banking & banking-as-a-platform
- Incumbents
- Legacy systems
- Legacy culture
- Changing business models
- The power of technology
- Regulatory changes
- PSD2 & Open Banking
- Bank-as-a-platform/bank-as-a-service
- Smart Interface vs. “dumb” pipes
- Unbundling - rebundling
- Digital challengers
- Neobanks
- What the future holds
This material is restricted to subscribers.
Topics Covered
- Legacy systems and culture of incumbent banks
- Changing business models
- PSD2 and Open Banking
- Bank-as-a-platform
- Unbundling and rebundling of financial services
- Neobanks
- Future of digital banking
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Talk Citation
Beeson, W. (2017, September 28). Digital banking and banking-as-a-platform [Video file]. In The Business & Management Collection, Henry Stewart Talks. Retrieved December 26, 2024, from https://doi.org/10.69645/BVRP6290.Export Citation (RIS)
Publication History
Transcript
Please wait while the transcript is being prepared...
0:00
Hello, This lecture is on digital banking and banking as a platform,
part of the Fintech series. My name is Will Beeson.
I'm Head of Operations and Innovation at CivilisedBank.
0:10
I have financial services experience in the U.S,
Continental Europe and the U.K. across traditional finance,
investments and corporate advisory, working predominantly with startups and SMEs.
Prior to joining CivilisedBank,
I worked at a legacy consumer lending company in Italy,
where I was involved in a broad based systems and
personnel overhaul as part of a strategic restructuring.
In that exercise, we effectively converted
a consumer lending company into
a lean automated debt administration platform to support alternative lending.
I'm actively involved in the London Fintech community as a writer,
speaker, mentor and advisor.
In my role at CivilisedBank,
I'm responsible for operational execution and designing
the long-term development strategy for the bank's offering
in a dynamic and rapidly developing banking industry landscape.
And it's that last point, that I think makes me a
relevant lecturer today given the topic at hand.
Banking and financial services,
arguably, banking more than anything,
is going through quite the transformation as a result of regulatory,
legislative, and technological changes.
1:30
There are four main points that we'll work through today.
We can think of them as guiding principles.
This is a bit of an outline for the material that we'll cover.
Firstly, what is the opportunity around
digital banking and banking as a platform and why does it exist?
What are the factors driving changes to banking business models?
What are the observable results?
Who's doing what?
What's actually happening right now?
And lastly, what might banking look like in 10 years?