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November 2019 The definitive source of news and analysis of the global fintech sector | November 2019 www.fintechfutures.com THE IDENTITY CHALLENGE How do banks know who’s who? A FORCE FOR GOOD? The final part of unpacking AI bias in the industry REGTECH, AI AND THE FUTURE OF COMPLIANCE Understanding how AI augmenting compliance practices FINTECH FUTURES IN THIS ISSUE Contents WS NE 04 The latest fintech news from around the globe. FEATURES 08 Through a Gen Z lens Til a mortgage do us part. 09 Spotlight In-store payments go smart. 10 Analysis How is AI augmenting compliance practices? 12 Focus DPR clients will see the benefits of integration. 14 Editor’s choice How digital transformation can blossom. 18 Focus The common data format that benefits everyone. 20 Insight How can banks know who’s who? 22 Thought leadership AI: could it be a force for good? 25 Q&A End-to-end innovation in digital debt management. 26 Comment Observations from a CMO’s first 100 days in fintech. 28 Conference recap Industry views from FinovateFall 2019. 33 Survey When will AI and machine learning change finance? 34 I’m just saying… Beyond personalisation. 36 Interview We talk to BNY Mellon’s digital head, Roman Regelman. 37 Spotlight Ensuring AI works with legacy solutions. 38 Food for thought Tall tales of big ambitions and small parcels. 40 Fintech funding round-up Lucky recipients of funds in the tech world. 42 Ask the expert Practical, free advice on how to grow your business. REGULARS 44 Appointments – the movers and the shakers. 44 Industry events – mark your calendars! November 2019 | www.fintechfutures.com | 01 Managing Director & Editor-in-Chief Tanya Andreasyan +44 207 551 9010 [email protected] Editor MANAGE CASH, WHEREVER IT FLOWS. Sharon Kimathi +44 207 551 9010 [email protected] Deputy Editor Alex Hamilton +44 7724 822714 [email protected] Editor’s note Reporter Ruby Hinchliffe +44 207 017 5709 [email protected] Contributing Reporters Jane Connolly and Martin Whybrow Artificial intelligence, machine learning biases, meaning black and ethnic minority Head of Sales and data have been strong themes at borrowers in the US are charged higher Jon Robson +44 203 377 3327 various conferences this year – like many interest rates, costing them up to half a [email protected] years before. However, people are now billion dollars more every year than white Marketing Manager questioning the ethics, concepts and borrowers with similar credit scores. David Taylor types of data used behind these tools to But lending is not the only sector +44 207 017 5379 determine its results. with an issue as the financial services [email protected] Rutger Van Faassen, VP of consumer industry is also plagued with misusing Marketing Executive lending at Informa Financial Intelligence AI. Ian Holmes, global lead for enterprise Kiran Sandhu argues that in order for AI, ML and deep fraud solutions at SAS notes that an +44 207 017 7377 [email protected] learning to be successful, one needs to alarmingly small number of financial guide ML to understand the right concept institutions are leveraging the appropriate Business Development Executive Sam Hutton using the right data. Many financial solutions to identity fraud. Aite research +44 207 017 7017 institutions find themselves in a situation shows that only 10% of organisations are [email protected] where they have a lot of data about their actively using ML analytics to orchestrate Design & Production customers, but don’t know how to apply authentication. While 50% are in the Simon Turner @ West Hill Media ML or AI to it, or the initial results are process of implementing these solutions or [email protected] disappointing. have them on their road maps, a worrying Our very own reporter, Ruby Hinchliffe, 40% are not. explores how disappointing results can Holmes adds that banks need to emerge from the wrong type of data being take steps to prove the value of AI and used for such a result, as she reveals her advanced analytics and demonstrate how discomfort at AI being used to predict these solutions can bring new levels of ‘financial risks’ such as the probability of flexibility and convenience to customers. © Banking Technology 2019 someone getting a divorce by observing a This principle should not only be applied All rights reserved; Banking Technology material person’s banking patterns. to identity fraud, but AI biases as well. bt may not be reproduced in any form without the written permission of the publisher. This rather sinister revelation led her to the conclusion that if events such as Banking Technology is published ten times a year. divorce – something that plagues nearly Bank on us Address one in two (42%) marriages across the Maple House UK – ever become a determining factor With our Virtual International Cash Management solution you can now offer 149 Tottenham Court Road London W1T 7AD, UK for a mortgage, then people by and large your corporate clients local collections and payments worldwide. Printer will be far more ready to hold the lending Hobbs the Printers Ltd industry’s biases to account. Hampshire, UK Both Hinchliffe and Nadia Sood, CEO at Sharon Kimathi ISSN 0266-0865 CreditEnable, find that the industry’s human Editor www.fintechfutures.com biases of old have now shifted to algorithmic Banking Technology THE NETWORK FOR GLOBAL COMMERCE bankingcircle.com November 2019 | www.fintechfutures.com | 03 BC-VICM-PCN-A4.indd 1 23/08/2019 08:47 NEWS NEWS TransPecos Banks goes live with Nymbus to support BankMD UK Treasury Committee says regulators SME challenger TransPecos Banks has gone live on Nymbus’ SmartLaunch is a banking-as-a-service must punish banks for IT failures Recognise signs SmartLaunch solution to outsource the product provided by Nymbus to stand up infrastructure and operations of its digital- banks in a short time. The vendor claims it The Treasury Select Committee of the Conclusions on the investigation on Mambu tech only subsidiary brand, BankMD. can do so in just 90 days. UK government has called on regulators of the 2018 TSB IT failure, which saw Nymbus will provide onboarding, It involves the outsourcing of a bank’s to hold banks to account for an a botched core banking replacement UK-based SME challenger bank Recognise internet banking and mobile banking for entire operations to a team working within “unacceptable” number of IT failures in the leave customers without access to their has selected Mambu and its cloud-based BankMD, which was founded with the Nymbus. The platform also utilises Nymbus’ financial services sector. accounts for weeks at a time, and which core banking platform. intention of serving medical professionals SmartCore banking system. In a new report on banking outages cost the bank £105 million, have still yet Recognise, which is still in the process in the state of Texas. “Launching a niche, standalone digital and the effects these have on the end to be handed over to the committee. of obtaining a banking licence, is aiming “We are dedicated to creating experience has gained tremendous customer, the group has made a series of “The number of IT failures that for a 2020 full launch. It was founded specialised products and a service culture momentum as an opportunity for financial recommendations, which include greater have occurred in the financial services by Jason Oakley, former managing that meets physicians’ unique needs and BankMD Image source: institutions to compete and grow revenue,” regulatory action, higher fines and better sector, including TSB, Visa and Barclays, director of Metro Bank’s commercial demands,” says Dub Sutherland, vice says David Mitchell, president of Nymbus. data recording of failures. and the harm caused to consumers is and mortgage lending business. The president and secretary of TransPecos on BankMD’s concept to “bring it to Other users of the Nymbus The Treasury Select Committee is unacceptable,” says Steve Baker MP, lead challenger will be implementing Mambu’s Financial Corporation. life”. SmartLaunch eliminated the need SmartLaunch platform include Centier charged with examining the expenditure, member for the Treasury’s enquiry. platform on the cloud, and will be pairing Sutherland adds that Nymbus was for the bank to undergo a technology Bank and Pacific National Bank. administration and policy of the UK “The Committee, therefore, launched it with nCino’s Bank Operating System, the only technology partner to take transformation, he says. Alex Hamilton Treasury, and by extension regulators this inquiry to look ‘under the bonnet’ at which Recognise opted for in October. including the Bank of England, Prudential what’s causing the proliferation of such “We know that speed and flexibility Regulation Authority (PRA) and Financial incidents, and what the regulators can do is critical for SMEs and the current SME Nordea writes off millions in IT impairment charges Conduct Authority (FCA). to prevent and mitigate their impacts.” banking providers are no longer fit for Nordea has released its Q3 figures, which It states that regulators must use the Bakers says the regulators must purpose,” says Oakley. “This is why we show the largest financial group in the tools at their disposal to hold individuals take action to improve the operational have decided to select a cloud-based Nordics has amounted a €1.3 billion bill and firms to account for their role in IT resilience of financial services sector firms. solution that is modern and open early on for one-off items largely made up of failures and poor operational resilience. “They should increase the financial our journey.” impairment charge for IT intangibles. “To ensure accountability for failures, sector levies if greater resources are Ben Goldin, CTO of Mambu, adds: “It’s The purchases, approved by the bank’s regulators must have teeth and be seen to required, ensure individuals and firms are been a great opportunity for us to work board, have had “a significant negative have teeth,” it writes.
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