Gjør det enkelt
This blog post was originally published at Dagens Næringsliv (in Norwegian) Det sies at en gjennomsnittlig voksen person tar 35 000
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Will bitcoin become worthless?
Since the peak of the bitcoin craze last year, bitcoin prices have been steadily declining throughout 2018. At this time one year ago, I argued that bitcoin is useless for anything else than speculation. While it is still possible to profit from speculation, the profitability of bitcoin mining is diminishing, and thus at risk of underpinning the whole fundament of bitcoin, making the uselessness of bitcoin absolute.
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Open banking: Going from vision to execution
By now, open banking has become the talk of the town in the banking industry. However, going from strategy to execution is the tricky part. Moving too fast without sufficient understanding your surroundings may result in unforeseen consequences, and on the other hand playing it (too) safe may result in a never-ending strategic analysis of what you could have, would have and should have been done. In order to get started, one must be able to refine and restrict the scope, focus and deliver.
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Sbanken continues to deliver on open banking with student loan integration
Starting this week, customers of Sbanken will be able to view outstanding student debt in their mobile- and online bank.
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Building a killer team
Flying solo is a bad idea when facing change. Whether the task is accelerating growth, digital transformation or a turnaround case, a team effort is required to create sustainable change. Knowing who you need by your side and how to make your team act like one singular unit is crucial for success.
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Strategic choices in a new world of banking
Fintech has gained momentum in the banking industry and changes in the competitive landscape are already becoming observable. As the majority of players are increasing emphasis on the user experience, the competition is likely to increase. Who are the potential players, and how will this affect customer mobility and profitability in the market.
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Threats to marine life we need to be concerned about
This is a guest contribution by Anna Kurcirkova. Though we share this big, blue planet with thousands of species, human beings
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Sikkerhet er inngangsbilletten for å lykkes digitalt
I takt med digitaliseringen øker behovet for kompetanse og fokus på digital sikkerhet eller cybersikkerhet. For bedrifter som ønsker å
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64 tiltak for økt digitalisering av Norge
Det siste året har jeg hatt gleden av å delta i regjeringens styringsgruppe og ekspertutvalg for næringslivets evne til å utvikle og ta i bruk ny teknologi. Resultatet er 64 konkrete råd for å styrke Norges konkurransekraft gjennom digitalisering. Vi ikke bli best på alt, og vi anbefaler derfor strategisk satsing på de fire teknologiområdene kunstig intelligens, stordata, tingenes internett og autonome systemer.
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Hva skal vi egentlig med kontanter?
Selv om det gir mening å kvitte seg med kontanter for å forebygge økonomisk kriminalitet, korrupsjon og hvitvasking, må vi være oppmerksomme på de uforutsette konsekvensene.
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Facebook is still a force to be reckoned with in financial services
Facebook’s potential in financial services has been a recurring topic on my blog for the last couple of years. With this month’s announcement that Facebook has approached leading US banks with a request to access transaction data, another piece of the puzzle falls into place.
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Norwegian banks spearhead PSD2 collaboration
Even though the technical implementation of PSD2 has been delayed, there is no doubt that opening up the banking infrastructure will change the face of retail banking as we know it. While Norwegian banks are not required to open up until the second half of 2019, Sbanken and the SpareBank 1 banks are getting ahead of the curve and are making PSD2 happen long before it is required.
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Banker i Finance Innovation-klyngen starter PSD2 i forkant av hva som er påkrevd
Fintech-klyngen Finance Innovation ber norske banker bli mer offensive før PSD2 trer i kraft, og Sbanken, Sparebanken Sogn og Fjordane og Sparebanken Vest går ut i forkant av ny lovgivning og går nå sammen om å utveksle kundedata med hverandre.
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Watch out banks, a new breed of fintechs are coming for mortgages
Just as banks are starting to become comfortable with fintech startups as potential innovation partners rather than disruptors, a new breed of fintechs are targeting retail banks primary cash cow, mortgages.
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One third of all in-store payments will be contactless by 2020
Contactless payments are picking up the pace, and while still dominated by contactless cards, mobile wallet adoption is estimated to reach 450 million users by 2020, with Apple Pay accounting for 1 in 2 mobile wallets.
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Fremtidens bank er relevant
Fremtidens bank leverer en kundeopplevelse som gir mening for folk i deres hverdag, og gjør livene deres enklere. Har snakket om dette, åpne grensesnitt, bitcoin og blockhain i et intervju med Finansforbundet.
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It is unlikely that Apple will open up NFC for third-party payment solutions
In the wake of the Apple Pay launch in Norway, the fact that only Apple themselves is allowed to provide NFC-based payments through the handsets, making Apple Pay the only option for contactless payments through an iPhone has become a hot topic, and Apple has been reported to the Norwegian competition authority for exploiting their dominant market position to prevent competition. Despite this, it is still unlikely that NFC access for payments will be opened for third-party developers anytime soon.
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Are you a finance challenger?
The Nordic fintech scene is growing fast in terms of number of startups and investments and innovative and ambitious startups are popping up in all of the major cities. TheFactory is running a 12-week accelerator programs tailored to fintech startups. Read more and apply now.
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Digital kompetanse er ferskvare
Når alt som kan digitaliseres, skal digitaliseres, raser debatten om kompetansen som kreves for å bygge vår digitale fremtid. Enten det gjelder digital kompetanse blant ledere, eller studieplasser innen ikt, så preges debatten av en undertone preget av den norske dugnadsånden, der vi gjør et felles løft. Utfordringen med denne tilnærmingen er at digital kompetanse er ferskvare og kontinuerlig må videreutvikles.
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Leveraging PSD2 for credit scoring and lending
With PSD2 around the corner, both banks and aspiring third parties are preparing for what seems to be a new dawn for financial services. However, the discussions so far have been revolving around on potential loss of transaction revenues and the battle for the customer relationship. However, at the end of the day, the majority of bank revenues are from loans, and how will PSD2 impact lending?
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