Et selskap uten åpne grensesnitt er som en datamaskin uten internett
Author: Christoffer Hernæs
Leadership is the key ingredient for digital success
With a plethora of Gutenberg moments all at once, no industries are safe from digital disruption. This is not limited to only centuries-old incumbents but also born-digital companies need digital transformation to stay relevant. In order to successfully navigate in an ever-changing landscape, leadership is the key ingredient for success.
Everyone can become a father, but becoming a dad takes an effort
On the same week as the international women’s day, I have just started my period of paternal leave with my little son, Olav. So far I’m having the time of my life, and I hope every man gets the opportunity to spend this time with their child. There should be no excuse for men to refrain from this opportunity.
What should you expect from mobile payment adoption
Mobile payments have been one of the recurring topics for the financial service industry for more than a decade. Having followed this development a while, one thing is for sure No matter the approach to mobile payments, the only thing that matters is user behavior and reaching critical mass in terms of user adoption.
Banking as a service – What does the bank of the future look like
Join me as I return to the stage on the opening day of Money 20/20 this June in Amsterdam to discuss banking as a service. What is the fate of licensed banks in this scenario, and how will digital ecosystems between incumbents, fintechs, and tech companies evolve?
Open banking: Managing operational risk
For regular readers of my blog, it should be no surprise that I believe that strategic use of APIs are fundamental building blocks for digital transformation. However, opening up comes at a price. Unprotected APIs could provide a back door to data and critical systems open for criminals and individuals with malicious intent.
The current state of fintech in Norway
Fintech has in a few years grown from a narrow area of interest to become one of the hottest topics in Norway. With an already digital and cost-efficient banking sector, all the prerequisites are in place to succeed in establishing and scaling the next generation of digital banking services.
Constraints foster innovation
When it comes to innovation one of the most common associations to the term is to think outside the box and set your inner child free. While brainstorming completely without boundaries may produce some entertaining ideas, the usefulness of those ideas is often limited. Just look at how small startups are able to challenge behemoths corporations in incumbent industries, it is definitely not due to a limitless supply of resources, but rather the opposite.
Open banking: What you need to know
Open banking has been one of the hottest technology trends in the banking industry for a while. But in order for banks to truly embrace open banking, it is imperative that the key concepts of open banking are well-known across the whole organization. This guide aims to give a brief overview and provide a deeper understanding of the term open banking.
Let’s build a bank together
Even though banks have had a digital presence since the dawn of the internet, online banking solutions still resemble an electronic representation of the paper-based bank statement that used to arrive in the mail once every month. If you are convinced that you could do a much better job than the banks in reinventing online banking, you should look no further.
Digitalåret 2018
Digitalisering har vært et tema som har vært vanskelig å overse i 2017, og selv om det tidvis kan fremstå som en hype, så er det lite som tyder på at dette er et fenomen som vil gå over. Norske virksomheter må heller forberede seg på en vedvarende tilstand kontinuerlig endring er den nye normalen der det kommende året vil by på nye digitale muligheter og utfordringer.
Top topics of 2017
2017 have been an eventful year in the world of technology, digital transformation, and fintech. As we are approaching the end of the year, these have been the top ten topics of the year on my blog according to post popularity.
Fintech – hype or reality?
We are building the next generation financial application aimed at millennials, promoting financial inclusion – built on blockchain powered by AI all available through state of the art APIs. Everyone has heard this pitch from at least one fintech. How should banks and investors look beyond the hype to distinguish substantial companies from empty promises?
Bitcoin is useless
While the recent surge in bitcoin price is good news for many bitcoin investors, it should be seen as a death sentence for the functional value of bitcoin. As the price continue to reach new record levels, it becomes obvious that bitcoin is useless for anything else than speculation.
How to reinvent your core business
Attempting to reinvent your core business is hard. When it comes to innovations, the further you venture from your core business, the higher the likelihood of failure becomes. At the same time, sticking to an eroding core business for too long is a surefire way to slowly fade into obscurity. How should leaders manage innovation and avoid being caught between doing nothing and chasing the wrong opportunities?
Finansbransjens digitale revolusjon har så vidt begynt
Fra en beskjeden start for kun få år siden har norsk finansteknologi (fintech) blitt et sentralt tema i videreutviklingen av norsk finansnæring. Kombinasjonen av regulatoriske endringer som krever at bankene tilgjengeliggjør deler av sin betalingsinfrastruktur for tredjeparter gjennom betalingsdirektivet PSD2, endringer i kundenes forventinger og adferd og mulighetene som ligger i ny teknologi utgjør en perfekt storm som driver frem behovet for endringer i bransjen.
I dag blir Skandiabanken til Sbanken
Skandiabanken skifter i dag navn til Sbanken. Navnebyttet setter endelig punktum i løsrivelsen fra svenske Skandia. Navnet Sbanken understreker målet om å gjøre bank enda enklere.
Norwegian mining company Intex signs agreement to develop asset backed digital token
Intex Resources ASA to be renamed Element ASA signs Terms of Agreement with Harmonychain to explore initiation of an Initial Coin Offering of asset-backed digital tokens based on blockchain technology.
Greatness requires focus
Ever since I started analyzing how technology and new business models would significantly impact financial services, I’ve been eager to put that knowledge into action. Now that I’m in position that enables me do do that I need to focus mye time accordingly.
It is time to stop talking about open banking
I have already written a great deal about open banking, but as it has quickly become the latest hype in the banking world it is time to revisit the topic. With PSD2 close to coming into effect, an increasing number of banks are lining up to open up their platforms, forever changing the digital banking landscape as we know it.