More than a decade of gathering insights in the field of fintech and banking helps us to reach out to other spheres: for example, to digital financial services ecosystems. In this article, we will focus on how e-invoicing solutions can build competitive advantages in SME banking. Also, we will answer the question of why multi-banking…
SMEs represent a tremendously large market for banks. According to the BankingCircle, in Europe, small and medium enterprises make 99% of all businesses and create more than 85% of all new jobs in the last five years. In the US, there are 30 million SMEs. They generate about ⅔ of jobs in the private sector…
In travel, the competition is fierce and companies shouldn’t put off differentiation any longer. Smart travelers are constantly comparing prices of flights, hotels, and car rentals to make sure that they get the best possible experience for their money. This means that to keep up with the modern pace of life, the tourism and travel…
Not so long ago statistics showed low adoption levels on Personal Finance Management (PFM) systems. Indeed, the 10-12% adoption rate can hardly be a strong motivation for banks to invest in PFM development. But the financial industry is changing, shaped by customers, who are looking for some financial coaching instead of financial education. written by: Denis…
Travelling has become way easier these days. Have you ever wondered why? Well, the development of communications technologies is one thing for sure. But let us not forget about another factor — machines that are becoming smarter with each breath we take. Artificial intelligence imitates our brain processes, detects patterns, learns and helps us make…
While banking product portfolios tend to become similar, banks must select between 2 most popular strategies (or combine them): to compete in pricing or to focus on customer experience improvement. If you prefer the first strategy, you may skip this article. Here we are going to accentuate engaging and personalized customer experience (CX) in the context…
Super apps are just appearing in the US and European countries, while in the Asian-Pacific region they already became a natural part of daily routine. So what are super apps and what is so special about them? written by: Anastasia Borodinets Super apps are just appearing in the US and European countries, while in the…
No matter how many efforts you apply to ensure Continuous Testing runs smoothly in your company, you may be a little disappointed by its results. What did you do wrong? Read our article to find what points you may have missed when you started applying Continuous Testing practices to your processes. written by: Veronica Chizh…
Install, connect and rock. No need to take care of your connectivity speed and all that good stuff related to communication protocols, compatibility and interoperability. From the very start, you chose the right IoT platform from the right vendor who took care of everything. But how did you do that? written by: Anastasia Borodinets Install,…
Can a machine cure a human? To a certain degree yes — robots have been used in surgeries for more than 20 years. Almost all leading digital corporations are developing smart medical products, services and processes based on AI. In total, according to the research firm Venture Scanner, such developments are being conducted by more…
Let’s continue our journey into the approaches you can apply to engage youth audience. Check some more tips on the importance of UI/UX, safety and security, and the customized attitude towards your users. written by: Alexander Arabey Director of Business Development In the first part of this article on lifestyle and mobile banking: we…
All roads lead to Rome, all project issues settle through a BA. The BA is the communicational center and major action trigger for the project. We interviewed three Business Analysts working at Qulix Systems, and asked them about the skills, techniques and approaches that help them overcome tricky job aspects and, consequently, ensure project success….
iLand, a global server provider, conducted a survey in 2017 on how much companies are successful in moving to the cloud. According to the research results, up to 57% of Amazon Web Service (AWS) users faced stalled or failed cloud migration and adoption. Microsoft Azure users reported slightly a less appalling figure of 44%. What…
Like other businesses, banks tend to go digital, moving from mostly brick-and-mortar presence at the financial market and vigorously competing for leadership in e-channels. written by: Denis Novikov Deputy Director of Business Development, Partner Like other businesses, banks tend to go digital, moving from mostly brick-and-mortar presence at the financial market and vigorously competing for leadership in…
Business analysis, according to Wikipedia, is a research discipline of identifying business needs and determining solutions to business problems. Frankly, no glimpse of real pains and joys of real-life business analysis peers out of this definition of the notion. written by: Veronica Chizh Business analysis, according to Wikipedia, is a research discipline of identifying business needs and determining solutions to business problems. Frankly,…