At times, we all think our job is difficult. The pandemic has really made some jobs a lot harder. One such job is those who protect their company from online fraudsters. The pandemic drove significant increases in online and mobile banking, along with e-commerce buying. In the expanding sea of online commerce, how do you differentiate the good consumer from the fraudster?
How did you get into insurance?
I’ve been in insurance for about seven years now. I have basically always been drawn to sales-type positions, and I worked in mobile phone sales for a while. Eventually, I was approached about an opportunity at one of the major captive carriers. I took that chance and worked there for about three years; I was even a part of their agency training programs.
I’ve been spending a fair amount of time recently on commercial and healthcare payments, the challenges the industry is facing, and how healthcare payers and payments technology providers can work to address those obstacles.
ネオバンクと呼ばれるフィンテック企業が登場して10年が経過しましたが、「モバイル中心」「店舗なし」「卓越したユーザーエクスペリエンス」「ローコスト」などの特徴は、リテール・バンキング・サービスに広く浸透してきています。その状況をまとめてみました。
■ ネオバンクの誕生と米国の現状
米国では、2009年頃よりMoven/Simple/Chime等、モバイル・アプリを中心に据えミレニアル世代をターゲットとしたネオバンクが登場した。2015年頃からは、欧州でもチャレンジャーバンクの名称でRevolut、Monzo、N26などが生まれた。いずれもデジタル活用と店舗を持たない体制でローコスト・オペレーションを実現、大手金融機関に不満(多くは高額の各種手数料課金)を持つ顧客層の取り込みを狙った。
On May 24, Aite-Novarica Group hosted our third quarterly Financial Services CIO/CTO Advisory Research Council meeting. 18 CIOs, CTOs, and heads of architecture at banks and financial institutions attended the meeting, which centered on data strategy priorities and initiatives.
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