Innovation & Digital

Digital banking, trends and innovations in the financial industry

Our articles on innovative business models, key technologies and exciting innovations.

crypto coins as metaphor for the new reporting obligations for EU crypto-asset service providers

CARF and DAC 8: new reporting obligations for EU crypto-asset service providers

New transparency and reporting requirements for crypto-asset service providers as per the Crypto-Asset Reporting Framework (CARF), the Common Reporting Standard (CRS) and the DAC 8.
MiCAR unveiled: navigating through MiCAR’s licensing processes

MiCAR: navigating through MiCAR’s licensing processes

Overview of licensing processes according to the pan-European Markets in Crypto Assets Regulation (MiCAR)
MiCAR: crypto asset service providers

MiCAR: requirements for crypto asset service providers

An overview of general and specific requirements for crypto asset services providers (CASPs) according to the pan-European Markets in Crypto-Assets Regulation (MiCAR).
The power of super apps: their potential for the financial industry

The power of super apps: their potential for the financial industry

After an innovation trip to Asia and an in-depth analysis of local conditions in Germany, we are convinced that super apps could shape the
MiCAR’s classification of crypto assets and services

MiCAR’s classification of crypto assets and services

Overview of crypto assets and services classification according to the pan-European Markets in Crypto-Assets Regulation
Giant robot throwing man in a trash can as metaphor for "AI at work: will AI replace or support us?"

Will AI replace us or make our work easier? – an international study

An international study led by zeb.business school in collaboration with academic partners from ten nations is investigating the impact of AI on work practices.
data as metaphar for five steps to successful AI adoption

Five steps to successful AI adoption in small and medium-sized financial institutions

To ensure that financial institutions of all sizes can leverage AI throughout their organizations, five key steps need to be considered.
Brain with wires as metaphor for the possibilities for AI in the financial sector are manifold

Many opportunities for AI in the financial sector: Visa is one example

Jeroen van Oerle, portfolio manager, Global FinTech, discusses the application of generative AI, using Visa as an example.
Abstract space concept image as metaphor for electronic securities and the choice of register solution

Electronic securities and the choice of register solution

How is the market for electronic securities and technical solutions developing? Is scalability the main differentiator? In cooperation with tokenforge, we take a look
Digital generated image of young woman jumping as metaphor for asset manage­ment: invest­ment pro­ducts in a world of Net­flix, Tik­Tok et al.

Asset manage­ment: invest­ment pro­ducts in a world of Net­flix, Tik­Tok and others

Quo vadis, retail business in asset management? How is the market evolving and what does this mean for asset managers?
Digital acquisition of new customers in private banking

Digital acquisition of new customers in private banking

We’ve investigated the opportunities associated with digital acquisition of new customers for private banking providers.
Text summarization with AI in banking: an alternative approach to ChatGPT

Text summarization with AI in banking: an alternative approach to ChatGPT

A client query made us delve deeper into “Automatic text summarization”.
Crypto accounting in accordance with IFRS: a black box or (gradually) increasing light in the dark??

Crypto accounting in accordance with IFRS: a black box or (gradually) increasing light in the dark?

Transparency is everything: crypto-assets in accounting.
AML compliance is the key success factor for launching digital asset offerings

AML compliance is the key success factor for launching digital asset offerings

How can financial institutions fully tap the potential of digital assets without neglecting compliance and AML issues?
Click to Pay: bye-bye credit card number

Click to Pay: bye-bye credit card number

Click to Pay is the catchy name of a new process that is set to become established in German online retail in 2023.
Use of AI in fraud detection

Document verification: use of AI in fraud detection

AI as technological support in the document verification process.
Crypto market crisis boosts opportunities for banks

Crypto market crisis boosts opportunities for banks

Established financial institutions have good reason to continue their crypto projects. The current crisis in the crypto market is also an opportunity.
AI Liability

AI Liability Directive: reversing the burden of proof?

What do the new rules mean for financial institutions? To what extent will the new AI Liability Directive affect the already highly regulated financial

A management introduction to MLOps

With MLOps, IT managers can ensure that efficiencies are gained when moving from pilot to scale.
Secure and legally compliant instant messaging

Secure and legally compliant instant messaging: 7 tips for financial institutions

Secure business communication: how financial institutions implement secure and legally compliant instant messaging
Data lakehouse: the next logical step in data management?

Data lakehouse: the next logical step in data management?

Assessment of the data lakehouse concept for financial services providers.
Mr. Frank Breuss, CEO of Nikulipe

Local Payment Methods for Fast-Growing and Emerging Markets

Mr. Frank Breuss (CEO of Nikulipe) about the provision of local payment methods in Fast-growing and Emerging markets, the growth potential in the e-commerce
Crowdfunding: Legal framework

ECSP – a new legal framework for crowdfunding

Crowdfunding will be standardized across the EU with the introduction of a Regulation on European Crowdfunding Service Providers (ECSP).
Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.

Venture capital in the crypto-market – Web 3.0 doesn’t come out of nowhere

Interview with Moritz Schildt, Chairman of the Supervisory Board of coinIX GmbH & Co. KGaA.
DLT pilot regime: starting signal for the capital market of tomorrow?

DLT pilot regime: starting signal for the capital market of tomorrow?

The goal of the DLT pilot regime is to create a new and innovation-friendly regulation: Challenges & opportunities.
Machine learning: When prediction becomes unpredictable

Machine learning: When prediction becomes unpredictable

How secure and explainable machine learning can open up new potential for financial institutions.
MiCAR: the regulatory framework for crypto assets has been fleshed out

MiCAR: the regulatory framework for crypto assets has been fleshed out

The EC published its digital finance strategy on September 24, 2020. Its key element is the proposal for a Regulation on Markets in Crypto-assets
eWpG: Crypto securities registry services

eWpG: Crypto securities registry services – opportunities & obligations

How fast are crypto securities growing in Germany? What are the benefits and obligations? Find our answers.
Design in banking

Design in banking – just an expensive accessory or a key to success?

FinTechs & challenger banks rely on design in banking in their strategic positioning. Does this success factor also apply for traditional players?
Digital assets for regional banks: opportunities & challenges

Digital assets – opportunities and challenges for regional banks

The high demand from retail customers for digital assets and cryptocurrencies is proving to be a challenge for regional banks!

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