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11 Major Risks Faced by Banks in 2018 and Beyond

Over the decades, the financial services industry has undergone significant transformation due to internal and external factors, including business model transformation, adoption of advanced technologies, changing regulatory environments, etc. Modern banking sector is a highly complex ecosystem, where stakeholders of different backgrounds — internet, tech

Designing Delightful Banking Experiences

“Good services are verbs, bad services are nouns,” the UK Government states. “To a user, a service is something that helps them to do something – like learn to drive, buy a house, or become a childminder. Notice these are all verbs.” For a variety

Non-Fungible Tokens, Explained

What does non-fungible mean? To fully appreciate what makes these tokens special, it’s worth taking a look at the difference between “fungible” and “non-fungible.” When something is fungible, in this case a token, it means it can be easily replaced by something identical – and

Is Blockchain About to Become a Patent War Battleground?

Last week, news of at least three major players applying for blockchain-related patents emerged: Bank of America sought to legally protect its blockchain-based system allowing the external validation of data, Barclays filed two patent applications relating to the transfer of digital currency and blockchain data