C'est quoi ton fruit préféré

https://www.presse-citron.net/....avec-cette-nouveaute le-pour-les-professionnels/

‘I lost my house, I lost all my money’: the retiree taking on the banks over crypto fund loss

https://www.theguardian.com/te....chnology/2024/feb/07

COMMENT PORTER UN CHAPEAU TRADITIONEL ?

De manière générale, il existe 3 positions.

⌅ Si le chapeau est plié vers la droite, ou s'il est maintenu debout, cela signifie que celui qui le porte est encore jeune.

⌅ Si le chapeau est plié vers la gauche, ça signifie que celui qui le porte est suffisamment âgé. Il n'est pas encore vieux, mais il est mature.

⌅ Si le chapeau est plié vers l'arrière, cela veut dire que celui qui le porte est déjà un ancien. C'est quelqu'un qui n'a presque que plus rien à apprendre. Il a atteint l'âge de dire. Seules les personnes vraiment âgées plient leurs chapeaux vers l'arrière.

Toutefois, la première règle, la plus importante, c'est de choisir le chapeau qui correspond à ton rang social. Si tu es un 'simple' membre de la communauté, il ne faut pas porter les chapeaux compliqués.

Toujours demander conseil à ton vendeur.

D'autres petites règles pour les gens simples :

⌅ On n'entre pas dans une chefferie avec son chapeau sur la tête.

⌅ On ne le porte pas devant son père, ses oncles...

⌅ Si tu dois t'adresser à des gens en présence d'une autorité traditionnelle, tu l'enlèves.

⌅ Si on est au milieu de plusieurs chapeaux 'compliqués', il est conseillé de se décoiffer.

⌅ Ne pas pointer du doigt le chapeau sur la tête d'un dignitaire...

*À quand une stratégie canadienne pour l’Afrique?*

https://www.ledevoir.com/opini....on/idees/806460/idee

Deux Québécois sur trois n’ont jamais changé de banque de leur vie

https://www.lesaffaires.com/bo....urse/nouvelles-econo

Digital banks have been one of the main #fintech disruption use cases, but as the competitive landscape evolves, they find themselves at a crossroads. This is a Europe 2024 deep-dive.

Neobanks, challenger banks or digital banks are terms used interchangeably and although they are not the same, they all share a #technology-first approach that involves a flexible, branchless, digital-native model challenging traditional #banking.

The concept emerged in the early 2010s on the back of a few main premises:

- Technological #innovation decoupling, for the first time, the front-end from the infrastructure layer and web APIs becoming ubiquitous as the connecting rails underneath

- The rise of seamless, end-to-end digital experiences in industries such as #ecommerce and entertainment, acting both as a benchmark and a guide

- Big gaps in traditional banking offerings: non-transparent, complex, expensive and inelastic products built on top of outdated systems

- The 2008 financial crash acting as a springboard in 2 directions: 1) laid-off talent looking for new opportunities 2) available capital (i.e. VCs) seeking alternative bets as a hedge to traditional financial institutions

Two major models rose in Europe:

- Greenfield players (i.e. N26, Revolut, Monzo) starting from scratch via a niche market or segment, and focusing on seamless customer experience, attractive design, competitive pricing and a digital or mobile only set-up.

- Incumbent banks launching their own neobanks (i.e. Hello Bank! by BNP Paribas, Boursorama Banque by Société Générale and FinecoBank by UniCredit) as a means of competing with the fintech challengers and of retaining their customers. They leverage infrastructure and resources and quite often integrate with existing parent offerings with an eye at cross-selling and up-selling.

Despite a rosy start, most players have faced increasing challenges over the past years, especially with the new macro reality. Rising interest rates have boosted the industry as a whole, however challengers have, largely, not managed to reap the full benefits (owed to their business model). According to C-Innovation, only 14 out of 101 digital banks in Europe are profitable.

Going forward challengers are facing difficult choices:

- Focus has shifted from growth to profitability, but the latter goes through lending, which, in turn, needs a banking license that is not always easy to get with a compliance-light, start-up model (as the Revolut UK saga has shown)

- Monetization and scale go through transitioning from a convenience, niche-based set-up to becoming the primary bank (get the payroll and build long-term relationships). Trust is the key here but building it is a long and uncertain path.

In entering their 2.0 play, challenger banks are facing the odd situation of having to balance an innovation, growth-first agile culture with more traditional ways of doing banking.

Opinions: Panagiotis Kriaris LinkedIn's Post, Graphic source: C-Innovation

The future of e #payments industry: How managing #risk can drive #growth

Key insights from McKinsey & Company report

four areas #payment firms can focus on to gain a #competitive edge.

1. Strengthening #risk processes to maintain #regulatory #compliance

2. Fighting #fraud while enhancing the #customerexperience- consumers expect that payments providers will protect—and reimburse—them when fraud occurs. As a result, #fraudprotection has become critical to ensuring payment system integrity, managing the customer experience, and protecting companies against #reputationalrisk

3. Building #operationalresilience to prevent #failures- #disruptions from externalities, such as #cyberattacks, to internal failures, such as outages, could result in heavy #financial and #reputational costs.

4. Improving #credit and collections processes to address a new normality

#digitalpayments #fraud #cx #banking #fintech #finserv #riskmanagement #regulation #regtech #ai #ml #kyc

Can I have your pay-pass, ok here is my paper. Oga I say pay-pass..