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Avaloq Blog

Navigating the transformation

The world of banking and wealth management is undergoing a major transformation - some say incumbents will find the disruption insurmountable.  Our blog pages seek to demystify some of the trends, concepts and topics that are impacting the industry today.  We hope you find it useful, and look forward to your comments and discussion points. 

Aug 6, 2019 2:35:00 PM | Blog | crypto

Digital accounting? Smart contract? Token?

The so-called smart contracts have been around for quite a while with the first global public implementation made available with Ethereum in 2015. This technology is a real breakthrough, and proved to be very disruptive over several use cases.

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Jul 10, 2019 10:52:00 AM | Blog | digital assets, crypto, digital wealth

The potential of digital assets in wealth management

Digital assets are slowly but surely carving out a place for themselves in the modern portfolio. But just how indispensable are they?

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Jun 25, 2019 11:35:00 AM | Blog | PSD2, PSD2 solutions

Learning from the PSD2 rollout

How exactly is PSD2 faring across the EU? Here are the lessons from an actual LIVE PSD2 implementation for a UK based client.

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May 24, 2019 1:32:37 PM | Blog | Open Banking, PSD2, ecosystem, CX

Why banks need to build out their open banking ecosystem for a better client experience

The future of banking lies in open banking. Open banking increases the usability of your accounts and increases its value. Its aim is to make the world of banking more open and accessible - making payments, borrowing money and saving money can all be simplified.

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How banks can overcome the paradox of an Open Banking platform

The arrival of PSD2 in the EU means banks need Open Banking Platforms to compete. Some banks chose to develop their own software in house, while others took the faster and easier route of using off the shelf platforms created by innovative FinTech firms.

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May 8, 2019 1:05:00 PM | Blog | innovation, Open Banking, ecosystem, BPaaS, SaaS, cloud banking

The growing importance of cloud and digital ecosystems

How do wealth managers innovate today? How are private banks and wealth managers tackling innovation? How are they adapting their business and operating models to the challenges of today’s digital world? Our infographic summarizes interesting insights from a research on international wealth management institutions conducted by the International Data Corporation (IDC).

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May 1, 2019 8:54:00 AM | Blog | BPaaS, BPaaS provider, platform as a service, SaaS, cloud banking

BPaaS: Why banks must critically rethink their business model

To keep their competitive edge, banks and wealth managers require efficient ways to operate and increasingly turn to SaaS or BPaaS providers offering cloud-based solutions to implement rapid business model shifts. Many are moving to a platform model of operation, and are adopting cloud-based services to achieve their aims.

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Apr 26, 2019 3:11:02 PM | Blog | BPaaS, BPaaS provider, platform as a service, SaaS, cloud banking

How BPaaS models help to reduce complexity in digital banking

Business Process as a Service (BPaaS) may be thought of as a combination of the benefits provided by Software as a Service (SaaS), Infrastructure as a Service (IaaS) and traditional Business Process Outsourcing (BPO). It is essentially a process-led implementation and offers core banking activities by a service partner.

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Apr 9, 2019 8:05:00 AM | Blog | Open Banking, Open API's, PSD2 solutions

What does PSD2 have to do with a modern financial ecosystem?

The Revised Payment Services Directive (PSD2) is unlike most other contemporary regulatory initiatives. The aim of PSD2, it seems, is to force innovation in an industry already beset by disruption and challengers ranging from BigTech, FinTech to digital-only banks.

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Apr 5, 2019 8:46:00 AM | Blog | Open Banking, ecosystem, banking platforms, app marketplace

Why 7% of the total banking revenue will be linked to open banking by 2020

Accenture has estimated that by 2020, €61 billion or about 7% of all banking revenue in Europe will be associated with Open Banking enabled activities in some shape or form. This trend represents a remarkable opportunity for the fleet-footed to capitalise on the opportunities that it presents.

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