Retail Banking | Our insights

Libra 20 June 2019 Blog John Dwyer
Let’s drill down into the key takeaways from Libra. Gateway to Crypto First and foremost, Libra is a huge deal simply because it will introduce…
Digital Financial Services In Japan, Part 1: What Digital Consumers Want 19 June 2019 Report Eiichiro Yanagawa
Celent surveyed a thousand Japanese consumers to take stock of digital consumer trends in Japan and to shed light on innovation-related opportun…
Pick your title: Financial empowerment to the unbanked is closer thanks to the Libra Association 17 June 2019 Blog Alenka Grealish
The early days of digital assets are becoming increasingly interesting and vibrant. Today, details about Facebook’s secret cryptocurrency projec…
Swimming in Data 17 June 2019 Blog Joan McGowan
Data is a recurring topic in Celent’s conversations with CIOs. The broad ask by CIOs is to be able to derive insights from a wide variety of dat…
Swimming in Data: Data Lakes in Banking 17 June 2019 Report Joan McGowan, Craig Beattie, Nicolas Michellod, and Zao Wu
As banks continue to digitize their product and service offerings, they are exposed to the increasing potential value of data as an asset. But t…
Broader Lessons From the Fintech Americas Conference 16 June 2019 Blog Stephen Greer
A couple of weeks ago a few of us attended the Fintech Americas Conference in Miami, Florida. The event brings together fintech startups, financ…
From Challenged to Challenger: Becoming a 21st Century Bank 13 June 2019 Report Alenka Grealish
While the banking industry will continue to be challenged and disrupted by digital giants and fintechs, it is in the strongest position yet to r…
Money20/20 Europe Casts a Magic Spell Again 12 June 2019 Blog Zilvinas Bareisis
Last week I was back in Amsterdam, at Money20/20 Europe. While I’ve been to the US version of the show every single year since its inception…
Finn by Chase: A Post-Mortem 10 June 2019 Blog Stephen Greer
Last week Chase announced that it was turning off Finn by Chase after a little more than 12 months live nation-wide. A frequently cited example…
Buzz vs. Reality in AI in the UI 3 June 2019 Blog Alenka Grealish
To throw the sharp light of reality on AI in the UI, Celent launched its inaugural AI in the UI Request for Information (RFI), which benchmarks…
Japan Kicks Off Reiwa Era's Payment Infrastructure, Part 2: BOJ-NET 30 May 2019 Blog Eiichiro Yanagawa
Part 2 in this series on payment infrastructure examines developments in the nation’s wholesale payment infrastructure through the lens of the B…
Why Digit Should Be Unnecessary 22 May 2019 Blog Bob Meara
American Banker published an excellent story earlier this month titled Fintech Seeks to Help Customers Avoid Overdrafts – with Assist from a Big…
The Impact of Consumer Technology 20 May 2019 Blog Zao Wu
Earlier this month, I saw this sign at one of the larger food stalls at a night market in Bangkok. As can be seen, the merchant supports WeChat…
Bank Mergers And Technology: How To Realize Cost Efficiency Through Technology Investment 20 May 2019 Report Craig Focardi
Financial institutions have many paths to grow revenues, manage costs, and improve profitability: geographic expansion, product introduction, me…
The FDIC [sic] Held a Fintech Conference 20 May 2019 Blog Daniel W. Latimore
On April 24 the FDIC, together with Duke’s Fuqua School of Business, sponsored “Fintech and the Future of Banking” in Arlington, VA. The day fea…