News & Opinions

More recent news & opinions

Automation for Good - Automation as an enabler for a greener future in banks

How can automation and RPA contribute on both strategic and tactical level to bank's ESG ambitions? We spoke to Chris Skinner, PwC, UiPath and NatWest

Building an API Program - Lessons from Deutsche Bank

The open banking journey of Deutsche Bank started in 2015 with de development of an API Program. Joris Hensen shared their lessons learned

The Unexplored Territory of Gaming for Banks

The Unexplored Territory of Gaming for Banks: an introduction in platformication and gamification of banking and bankification of gaming

Automation as an enabler for ESG and Sustainability in Banks: an interview with Nitin Purwar, UiPath

Banks struggle to apply the vision and ambitions they have to improve and grow their contributions to a greener and better society, how can automation help?

From Bitcoin to CryptoKitties: what’s in it for banks?

What are the challenges ahead before banks embrace crypto assets and NFTs as part of their value proposition, and how could this look like?

How ABN AMRO is accelerating the sustainable shift

ABN AMRO Belgium is supporting many initiatives for a greener, EGS-friendly future, and this is how they accelerate the sustainable shift in Belgium

How payments associations foster innovation in Europe

With PayBelgium and Emerging Payments Association we investigate their contributions to innovations in payments

Unravelling the complexities of financial wellbeing

Like Heracles changed the rules to clean the Augean stable, the banking and fintech industry need to reinvent their approach to financial wellbeing.

Mortgages as a gateway to sustainable living

Green mortgages for sustainable living is more than a label. With a direct impact on a bank's (future) financial results, acting now is imperative for the industry

At your service: A bot for every bank employee

With the rise of RPA-based attended bots we are getting closer to a bot for every employee. What is required to make this a reality?

EPI and the digital euro: missing links contribution to a uniform payments landscape?

With PSD2 and open banking to stimulate innovation, EPI and the digital euro (CBDC) are told to create more uniformity across Europe

Fintech - Bank Relationship Counselling

We all know the struggles of a partnership between banks and fintech companies, but what are the remedies?

Automation in banking: when virtual assistants become virtual colleagues

As automation tools in banking get smarter, evolving from RPA to intelligent automation, bots evolve from being a virtual assistant to a genuine colleague

The human factors behind automation at ING and NIBC Bank

The human factors behind automation at ING and NIBC Bank: employee engagement, customer experience and cost avoidance

Reconnecting digital banking in a human way

It is time to rethink digital banking, to align it to customer expectations and to make it more human again in a connected way.

Strategic dilemmas in innovation in cards and payments

Innovations in cards and payments are endless these days, and retail banks will need to make strategic dilemmas to deal with them.

Creative credit scoring models to improve financial inclusion

How more data points end up with more creative credit scoring models to enhance financial inclusion in developing regions like Asia and Africa

Today's hottest topics in innovation in retail payments and cards

On April 15 we discussed with Peter Theunis of Radar Payments what is shaking the cards and payments industry, find the most relevant insights in this blog

Culture and perseverance define the success of automation in banking

Automation in Banking success does not depend on technology, but the leaders that drive a cultural change to embrace automation as a part of the job

Three stories, three different triggers to ignite automation in banking

Automation in Banking to setup control mechanisms to find and fix errors in banking processes, improve data quality of central functions and augment the value of employees

Bank J. Van Breda & C°: How purposeful banking changes the world of their customers

With Véronique Léonard, CFO we spoke how Bank J. Van Breda & C° are looking at banking for good, purposeful banking and sustainability and ESG

Identify the Business Value of RPA with Real Banking Examples

Don't make your RPA project a cost-cutter. This blog identified a couple of concrete, measurable results how RPA improved the business of a bank

Argenta's interpretation of purposeful and sustainable banking

With Marc Lauwers, CEO of Argenta, we discussed what purpose and sustainability means to them and how they contribute to a better future for human and society

Digitisation in banking | Balancing on the border

SME Banking will never be the same again: COVID-19 accelerated the need for digital banking and more specifically for SMEs

The need for data and analytics to enhance investor engagement

How can wealth managers provide their clients with comprehensive data and analytics through a broad mix of digital channels, so they can make more informed investment decisions?

Bank of the Future: From Mobile First to Open First?

What must change for banks to become true financial advisors, doctors of a customer's financial health?

Automation in Banking: reflections from the industry

Everyone talks about automation in banking, but what do bankers really know about automation, RPA and intelligent automation, where do they see the gains and opportunities?

How to turn PSD2 into a remedy to recover from COVID-19

With YTS (Yolt Technology Services), we investigated the possibilities of PSD2, Open banking and open finance to turn it into a remedy for people and businesses to recover from COVID-19

Banking for Good: a Vision by Febelfin

With Karel Baert, CEO and Claire Godding, Head of Diversity and Inclusion at Febelfin, Belgian Federation of banks, we discussed what "Banking for Good" means to them

Automation in Banking: insights from State Street Bank, Spotify and DFCG

Find out what executives from Spotify, State Street Bank and DFCG, the French Centre of CFOs thought us of how to make your RPA, automation and intelligent automation projects a success

What our bags, wallets and pockets can tell us about consumers’ changing financial behaviour

We used an innovative interview method called the ‘portable kit study’ that involved asking people to take everything out of their bags and wallets and talk us through what they carry with them on a daily basis, cash, cards

Three macro trends shaping the bank of the future: Digital - Local - Sustainable

We invited Hedwige Nuyens, Managing Director of IBF to talk about the bank of the future, where we spoke about COVID-19, digital, branches, BigTech, CBDC, crypto, the role of savings and community banks and much more

How to research financial behaviour in a fast-changing market

Erin B. Taylor provides a couple of useful tools that can help to better understand how consumers feel and think about, and act with money

The New Face of Digital Banks

Together with Peter Theunis of Radar Payments and BPC Banking Technologies and Jeroen de Bel of Fincog, we investigated how digital banking changed and what their future holds

How Nickel Creates Financial Inclusion By Living To Its Values

We spoke with Thomas Courtois, CEO of neobank Nickel about Financial Inclusion and he shared us what this means to them and how they achieve this by living to their values: universality, simplicity, utility and benevolence

Aion Bank Launches Financial Life Moments Guide

Aion surveyed over 1,000 Belgians and found that over 75% of Belgians of all ages feel it’s important to be financially prepared, but more than 50% said that they didn’t feel sufficiently prepared for the future.

The Banking Scene Top-10 Stories of 2020

What were the most popular opinions on The Banking Scene's website?

Predictions for 2021: Interview with Chris Skinner, his Elephant in the room and the Bird

Predicting 2021 with Chris Skinner: How will economy evolve, and fintechs and banks? What to expect from challenger banks and what is key to make them more relevant?

The Nightmares Before Christmas - Monsters and Myths of Innovation

Monster and Myths of Innovation are everywhere, in all industries. The last session of The Banking Scene Afterwork was a conversation about those monsters and how to cope with it.

Bridging The Gap: Open Finance, an Opportunity For Every Bank

We discuss what open finance is, what its impact is for financial services, where the low-hanging fruit is and how to grasp these opportunities

Shaping the Future of Financial Services: Interview With German Savings Bank Association

The Banking Scene spoke to Axel Weiss, Head of Payments at the German Savings Bank Association (DSGV) about the latest trends in payments and the impact of ’SWIFT’s new strategy for their members

Doing Digital in Wealth Banking - Van Lanschot Kempen

We invited David Versteeg, Chief Digital Officer at van Lanschot Kempen to share us their digital transformation journey

Meet Digital Assistant Kate – When Digital Transformation Gets Personal

Kate is KBC's digital assistant that will personally and proactively assist customers in making their financial life easier, through AI, automation and personalisation

Hyperautomation — Essential in Every Bank’s Strategy

Hyperautomation - an answer to automate more complex customer and employee journeys of a bank by combining RPA, Machine Learning and other AI techniques

6 Lessons Learned About Customer Experience in B2B

6 Lessons from Customer Experience (CX) with clear examples of the banking industry and more specifically in B2B

Shaping the Future of Financial Services - The Power of Collaboration

Founded in 1973, SWIFT is the one the connects the dots in financial services. What is their new strategy and collaboration model for banks?

How video banking changed the way ABN AMRO interacts with its clients

Will video banking be the new way for banks to engage with customers? We spoke with Klaas Ariaans, Managing Director Personal Banking at ABN AMRO Bank

The Power of Hyperautomation for Microfinance Institutions

Learn how Hyperautomation can grow the business of Microfinance Institutions while increasing customer experience with a mix of RPA and Machine Learning - UiPath

Fintech Partnerships: Lessons Learned from Minna Technologies and ING

What can we learn from Minna Technologies and ING in the way they partner? A fintech and a bank about the importance of communication and expectation management

The Future of Banking is Personal

Read my thought on personalized banking, after reading Comarch' white paper, called "Personalization of Banking Services via Digital Transformation"

Islamic Banking Lessons and The Future of Islamic Fintech

What can conventional banking learn from Islamic banking and what is the future of Islamic banking and Islamic fintech? We spoke with Wajeeha H. Awadh of Al Baraka Banking Group

How To Find The Open Banking Money Pot

What does it mean for a bank to be open? What value will it bring to this bank and its customers? How did the industry do thus far?

We need more financial services innovation for women

One-size-fits-all is over: we need financial services innovation for women. They think differently about money, they talk different about it and they act different.

Decentralised Banking: Are We There Yet?

Key conclusions from a discussion with Jo Vercammen the state of crypto, cbcd, central bank digital currency and blockchain and how it affect the banking industry

Price Transparency in Banking: The Membership Model of Aion

Prices in the banking industry are not always very transparent. Belgian's newest bank, Aion, countered this by setting a business model based on a membership.

Automation is Making Banking More Human Again

Our conversation with 2 experts of UiPath, Guy Kirkwood and Amit Kumar demonstrated that automation and RPA are making the banking industry more human on multiple fronts

Banks Doing Digital Right: My Learnings of The Banking Scene Summer Event

Read my lessons from The Banking Scene Summer Event on Banks Doing Digital, with Chris Skinner (, Benoit Legrand (ING) and Karin van Hoecke (KBC)

Microlending at The Heart of Local Entrepreneurship

For many entrepreneurs, microlending is vital to the required financial inclusion to set up a business. In Belgium, the company microStart gets support in microfinance by Accenture and BNP Paribas Fortis

The story behind the numbers: open banking investments and returns

June 11 was a good day! Jan van Vonno, Research Director at Tink was our special guest at The Banking Scene Afterwork to answer all the questions I had on their recent study, titled: 'the investments and returns of open banking'.

Turn Operational Resilience into a Competitive Advantage

Make sure Operational Resilience is on top of your agenda, whether you work in a bank, or a fintech, in risk or sales, compliance or IT

By Improving Financial Wellbeing, Banks Become Health Companies

A bank must support its customers in having a financially balanced life, helping them to reduce financial stress by improving their financial wellbeing.

4 possible scenarios for the bank branch in a post-COVID reality

Bank branches are not dead, but how can they get most value out of that, at a low cost? Post COVID this question is even more pressing than in 2019

How a virus changed the relationship between fintechs and banks

How has COVID-19 affected the way banks start new fintech relationships? Today people are going back to their old reflexes. Today they go back to the companies close to them, it takes longer to have a relationship and they require more effort in trust between the involved organisations.

SME Banking Will Never Be the Same Again

The SME banking segment is booming business in the fintech industry for years. COVID will accelerate this process for multiple reason, here is why

The Future of Work in the Banking Industry

COVID-19 changed the way the banking industry worked. What will be the long-term impact? The key messages of The Banking Scene Afterwork 23 April with special guest Guy Claes

Avoiding the Missed Opportunities during the biggest POC in history

COVID-19 is the biggest remote working Proof Of Concept… ever! Everyone needs to rethink how they work, shop and live. From one day to the next, we are all living in a completely new context, with new needs and different problems to manage and also with great new ideas to anticipate those needs and problems.

The long term impact of COVID-19 on the payments industry

What will be the longterm impact of COVID-19 on the way we pay in Belgium, Netherlands and Luxembourg? From contactless to no contact, biometrics and instant

How COVID-19 changed the way we pay (short-term)

How COVID-19 changed our perception on cash, contactless, and short-term also on innovation in payments

The global impact of COVID-19 on banks, challengers, fintech: an interview with Richard Turrin

Who will be the winners and losers of this crisis in the financial technology industry, why this crisis is fundamentally different from the one in 2008, and why China will take a fundamentally different approach to resolve the economic crisis in the period to come.

About the metastorm that is currently raging over banking and society as a whole

A talk with Jo Caudron, about the societal transformation in the coming 10 years and the impact on the banking industry

An interview about #regtech and #trust in banking with Koen Vanderhoydonk

Koen Vanderhoydonk chaired our conference #TBSCONF20LUX, on January 30th in Luxembourg. You probably remember this was about trust, the central theme of The Banking Scene this year.

Belgium has a new Challenger Bank aion: time for an interview

At the launch of a new challenger bank in Belgium, Aion, The Banking Scene had the chance to interview their CCO Wojciech Sass

“Successes & Challenges Faced Since We Went Live With Open Banking”

6 learning from the panel I moderated at Finovate: “Successes & Challenges Faced Since We Went Live With Open Banking”

Brian Bushnell, on more TRUSTED banks by mutualizing services at #TBSCONF20LUX

Brian Bushnell, shares his insights on how banks can become more TRUSTED by mutualizing services at #TBSCONF20LUX

Does Belgium need an initiative like A78 to make PSD2 work?

A78 is built to facilitate communication between fintech and banks in the context of PSD2

Looking back at The Banking Scene 2020 Luxembourg

Looking back at The Banking Scene 2020 Luxembourg: after movie #TBSCONF20LUX

The Trust Interview with Sarunas Legeckas, General Manager Greater Europe, N26

How is N26 looking at trust? How did the lack of trust in banks helped them in building trust for their customers, today and in the future?

A few meanings of trust, translated to financial services

Trust in financial services is changing. Where does this change come from, what is the impact? Based on Rachel Botsman's "Who can you trust?"

The Open Banking Interviews with Arnaud Delputz, Director Retail Segment - Product Management Payments & Credits, Belfius

Open Banking and PSD2: an evaluation by Belfius' Director of Product Management Payments and Credit Arnaud Delputz

'20: The decade the industry shifts from technology first to human first

The past decade provided a wave of new technologies with tremendous opportunities, the coming years, the banking industry will start to understand how to use it for more human banking

The future of Instant Payments and Cards - The Round Table Sessions by The Banking Scene

The future of Instant Payments and Cards - The Round Table Sessions (December 3rd) by The Banking Scene, a testimonial by Inna Kostiuk

The Open Banking Interviews with Nathalie Knops, Head of Business Transformation at BIL

The Open Banking Interviews with Nathalie Knops, Head of Business Transformation at Banque Internationale à Luxembourg (BIL)

The Open Banking Interviews: duo interview with Tjeerd Tesselaar and Nico Strauss at Rabobank

The Open Banking Interviews with Tjeerd Tesselaar, Area Lead Product Development & Partner Management and Nico Strauss, Tride Lead B2B Services at Rabobank

Frictionless Payments and its 5 levels of intrusiveness

Frictionless and biometric payments require a consumer to allow you in his inner circle. How far can you go? A few examples

The Open Banking Interviews: duo-interview with Marc Lauwers (CEO) and Inge Ampe (CCO), Argenta

The Open Banking Interviews with Marc Lauwers, CEO and Inge Ampe, CCO of Argenta on their views on Open Banking, PSD2 and how it impacts Argenta's business model

Why the mortgage business is so hard to disrupt

Mortgage loans are the new battlefield for innovation. Why is it so hard to innovate in this business line?

Bye-bye Instant Payments, welcome Instant Mortgages

A blog about the rise of Instant Mortgage, Open Mortgage, and the quest for the best customer journey to look for a real estate property

The Open Banking Interviews: Karel Van Eetvelt, CEO, Febelfin

The Open Banking Interviews with Karel Van Eetvelt, CEO, Febelfin

Open Banking: An open door to a new way of banking (part 2)

The biggest impact of PSD2 for corporates will be in the new way services providers think of financial services in the near future and how they will provide it to the end-customer.

The Open Banking Interviews: Jasper Nienhuijs, Head of Market Management, de Volksbank

Read what Jasper Nienhuijs, Head of Market Management at de Volksbank thinks about PSD2 and Open Banking

The Open Banking Interviews: Wajeeha Hussain Awadh, Al Baraka Banking Group

The Open Banking Interviews: Wajeeha Hussain Awadh, Section Head of Digital Banking & Fintech, Al Baraka Banking Group

The rise of the Dragon… or is it a lizard? PSD2 got into force last week

Did something revolutionary happen? Did PSD2 hit the headlines? Were consumers quickly adapting their financial behavior? Was there the so long predicted shake-up of the market? Did banks go bankrupt because fintech and Bigtech took over?

The Open Banking Interviews: duo-interview with Laurent Dumont and Kris Roggeman, Crelan

The Open Banking Interviews with Laurent Dumont, Digital Banking Manager and Kris Roggeman, Squad Leader Open Banking at Crelan

The Open Banking Interviews: Maarten Verboven, Director of Open Banking, BNP Paribas Fortis

The Open Banking Interviews, with Maarten Verboven, Director of Open Banking at BNP Paribas Fortis

Talking about invisible payments with Visa

What role does Visa play in the game of invisible and frictionless payments? And how do they support keeping customers in control of consumption?

The Open Banking Interviews: Fanny Solano, Head of Digital, Retail & Markets Regulation, CaixaBank

Open Banking Interview with Fanny Solany, Head of Digital, Retail & Markets Regulation, CaixaBank

The Open Banking Interviews: Ali Niknam, CEO, bunq

Open Banking Interview with Ali Niknam, CEO of bunq Bank

When your real estate agent decides to become a bank

Non-bank players are looking for new market in the banking space: Immoweb wants to go into mortgage loans

The Open Banking Interviews: Raphaël d’Ostuni, Head of Open Banking and Partnerships, Keytrade Bank

The Open Banking Interviews with Raphael d'Ostuni, Head of Open Banking and Partnerships at Keytrade Bank

The Open Banking Interviews: Helen Bierton, Head of Banking, Starling Bank

How does Starling Bank look at Open Banking and PSD2? Read about it in this episode of the Open Banking Interviews with Helen Bierton, Head of Banking, Starling Bank

When your bank decides to become a green energy supplier: Rabobank hunting for Eneco

Rabobank showed the intention to take over Eneco? What is behind this move? How are banks increasing their societal relevance with this potential takeover?

The Open Banking Interviews: Karin Van Hoecke, General Manager Digital Transformation, KBC Bank & Insurance Belgium

How does KBC look at PSD2 and Open Banking? We talked about this with Karin Van Hoecke, General Manager Digital Transformation, KBC Bank & Insurance Belgium

The emotional debate on cash in Belgium: ATMs in supermarkets or not?

ATMs and cash remain a hot topic in discussing banking and financial services in Belgium. What would be the reason that supermarkets are hesitant to invest in their own ATMs?

The Open Banking Interviews: Koen Adolfs, Product Owner & API Evangelist, ABN AMRO Bank

ABN AMRO is betting high on APIs, how do they think about Open Banking and PSD2? Read all about it in our conversation with Koen Adolfs, Product Owner & API Evangelist, ABN AMRO Bank

Open Banking is less about technology, more about people

Open Banking is only possible with an open mindset. If the technology is not a succes of that, it will not work

The Open Banking Interviews: Daniel Van Delft, Country Manager Visa, Netherlands

The Open Banking Interviews: Daniel Van Delft, Country Manager Visa, Netherlands

The Open Banking Interviews: Joris Hensen, Founder and Co-Lead API Program, Deutsche Bank

Deutsche Bank has an API Platform and they were eager to share more about it with The Banking Scene in an interview with Joris Hensen, Founder and Co-Lead of their API Program

Top 3 threats for banks today (my takeaways from Money20/20)

Money 20/20 Europe report by The Banking Scene: what are a bank's key threats today?

Money 20/20

Inna went to Money 20/20 with Fintech Belgium and left her testomial for The Banking Scene and all that wish to read it

The Banking Scene 2019: Exploring Banking for Humanity and Innovative Payments

Inna attended The Banking Scene Conference (#tbsconf19) and shared her impressions with us

How to find great collaboration between fintech and banks

Fintech and banks is all about collaboration these days thanks to open banking etc... what makes a great collaboration?

There is more to digital identity than just saying who you are online

Lies Van Hemerlijck represented The Banking Scene at Know Conference 2019 and she was happy to share her take aways

What kind of innovation am I looking for in payments? by Andrew Vorster

Innovation in Payments, what is it all about?

Apple Card is about digital identity, not about payments

Apple launched it AppleCard, a new feature in the Apple ecosystem. It is really about payments? Or should we look in the direction of identity?

The rise of superapps in ASEAN at Money2020 Asia

The Banking Scene attended Money 2020 Asia. What were the key takeaways from this highly valued conference?

The future of banking is for the nimble and niche players

The future of banking will be determined by PSD2 and Open Banking. How will banking look like in the future?

When your bank realises financial advise is no longer enough

How can banks grow their relevance for society? Some banks already start thinking out of the box.

Winning PSD2: Amazon, the Chinese, or just your own familiar bank?

Bigtech keep growing and they keep trying to get hold on financial services. Will they succeed?

15 years to rediscuss the gentlemen’s agreement on 24 free cash withdrawals

15 years to rediscuss the gentlemen’s agreement on 24 free cash withdrawals

Instant Payments — Instant Revenues? #itscomplicated

As banks start adopting instant payments, the quest for additional revenuew through this new payment means remains complicated

The Semantic Bank

An explanation of ontology-centric banking, semantic banking

Me and my wearable, one month together - a testimonial

Rik Coeckelbergs participated in the test period of KBC wearables, contactless payments. Read his testimonial here

A bit earlier than expected: Revolut got banking licenced!

Revolut has a banking licence, what does this mean for the banking industry? And why did they go to Lithuania for this?

Why Revolut‘s presence in Belgium should not be underestimated

Revolut hired a country manager for Belgium, what does this mean in terms of their local ambitions?

Open Banking is not (only) about Payments

Open Banking will change the way we bank, not just the way we pay

Myths of contactless payments security

Contactless is still perceived as unsafe, yet statistic show another view. What are the myths behind this?

The war on cash: National Banks Strike Back

As society evolves from less cash to cashless, national banks start to react

The war on cash in Belgium and The Netherlands: a state of play on contactless mobile payments

Where is Belgium today in term of mobile and contactless payments? What is the impact on cash usage?

When Regtech meets Payments