Resources

Here is where the team shares details about our journey to improve digital financial services. We cover company announcements and product news as well as the occasional rant about our favourite topics including a mix of digital banking and technology.

What are APIs? | Digital Banking 101

The term Application Programming Interfaces (APIs) first emerged at the beginning of the 2000’s in [...]

A Guide to Personalisation in Banking

Table of Contents 1. What is Personalisation in Banking?2. Benefits of Personalisation in Banking3. What [...]

When Banking and Behavioural Science Collide

Moneythor Behavioural Science Series with Klaus Wertenbroch. Moneythor’s behavioural science series, a four-part collection of [...]

Standard Chartered Partners Moneythor to Deliver its Personal Financial Management Tool

Standard Chartered Bank in Singapore has partnered Moneythor, a leading digital banking software provider, to [...]

Banking-as-a-Service (BaaS)

What is Banking-as-a-Service?   Banking-as-a-service (BaaS) is an end-to-end process where third parties – finTech, [...]

What is Sustainable Finance?

Environmental issues and climate change have never been so topical and there is a growing [...]

Information Avoidance | Behavioural Science in Banking

How often do you read the terms and conditions when downloading a new mobile app [...]

Benefits of Offering an Adult/Child or Junior Account

Financial literacy and money management are not always part of the school curriculum and most [...]

Hyperbolic Discounting | Behavioural Science in Banking

We have all been there, our plans to eat healthily or save for the future [...]

Global Open Banking 2.0

In 2019 we launched our first global Open Banking report to take a look at [...]

データで見る:新型コロナがオンラインバンキング利用を促進し顧客心理を変えた

企業イノベーションを実現するのは誰でしょう。社長ですか?イノベーション戦略室長ですか?答えは「新型コロナ」。冗談交じりにこう語られる場面に出会ったことはないでしょうか。その冗談が今、現実になりつつあると言えます。少なくとも消費者の心理・行動には明らかな変化が見えてきています。 図表1. Source: McKinsey & Company 2020年6月29日“Financial Decision Maker Sentiment”のデータをもとに日本語訳とJapanの結果追加。 新型コロナの感染拡大を受け外出の自粛が始まった今年3月、三菱UFJ銀行のインターネットバンキングの新規利用者が前年同月比の3倍、またアプリ経由の口座開設がみずほ銀行では前年同月比の6割増、りそなグループ銀行では2倍だったというように、新型コロナがオンラインバンキング利用を後押ししたことが明らかになっています。 しかしこれは一時的なことなのでしょうか。コロナ収束後の人々の行動がどうなるのかが気になるところですが、今年4月から6月に行われたMcKinsey & Companyのアンケートによると世界各国共通して、コロナ収束後、オンラインやモバイルバンキングを「コロナ前よりもっと利用するだろう」と答えた人が多く、また支店は「コロナ前より利用しないだろう」と答えた人が多くいるという興味深い結果になっています。(図表1) 同上のアンケート調査の中で、自分が利用する銀行やカード会社に何を期待しているのかを問う質問に対しては、日本の回答者の40%以上が「全ての手続きがオンライン上でシームレスに行えるようオンラインチャネルを改善して欲しい」と回答しています。(図表2) [...]

Digital Banking 101

Digital Banking involves the digitalisation of traditional banking services such as current accounts, credit cards, [...]

The Fresh Start Effect | Behavioural Science In Banking

Have you ever wondered why New Year’s resolutions are so popular? It turns out that [...]

Post-pandemic Digital Banking for SMEs

The statistics about the expected survival rates of SMEs post the COVID-19 pandemic are worrying. [...]

Anchoring Bias | Behavioural Science In Banking

When it comes to making a purchase or financial decision people often use an anchor, [...]

How Carbon Footprint Insights can Enhance Digital Banking

The world looks a lot different in May 2020 than it did in May 2019. [...]

Goal Priming | Behavioural Science In Banking

There is a constant internal battle between our best intentions and our sudden impulses. As [...]

Open Banking in Singapore; Comparing PSD2 & FPDS

Transforming the way that banks, customers and third parties interact has been an ongoing project [...]

How Can Open Banking Help Banks to Serve the SME Market?

Small and Medium Enterprises or SMEs as they are commonly known play a major role [...]

Ethical Nudging | Behavioural Science In Banking

Behavioural science interventions or nudges are used by governments, institutions and businesses around the world [...]

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