Blog

New definitions of identity and authentication for trust-based ecosystems

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. In this article, we explore concepts of customer authentication and identity, arguing that in the ecosystem economy we need to take a fresh look at what we mean by a customer, break the traditional human-based paradigm… Read More »New definitions of identity and authentication for trust-based ecosystems

Partners, competitors and positioning in the connected economy

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. The rules of competitor analysis are changing as the economy moves from ego- to ecosystem. As customers increasingly own their own data, they also own and control the reputation of organisations, and applying the customer… Read More »Partners, competitors and positioning in the connected economy

Decision Architecture

We’ve written elsewhere in this series about service architecture, building flatter organisations and a capability-based ecosystem approach both to organisations and service provision across organisations.  In this article we address the governance implications for banks in general and the service-aligned ecosystem in particular. What is decision architecture? Decision logic is… Read More »Decision Architecture

What’s the point of banks?

This article is part of our randomised, post-structural Let’s Build a Bank series of articles.  If you’re familiar with our series, you’ll know our articles are long.  This one’s longer.  We don’t apologise for this, we hope that you will find the additional content more interesting. In parallel, we examine… Read More »What’s the point of banks?

New Standard Models for Banking

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. The disruption to banking arising from changing customer behaviour and use of technology has come later than to most other industries.  Banking is a very conservative industry and we have observed that even challenger banks… Read More »New Standard Models for Banking

Service Alignment

In this article, we discuss how banks need to evolve away from product focus and towards service alignment, with some key considerations about the evolution.  While we focus on banking transformation, the same considerations apply to large, traditional organisations across many industries, struggling to evolve in rapidly changing competitive environments.… Read More »Service Alignment

Service Architecture

This article is part of our randomised, post-structural Let’s Build a Bank series of articles. In this article, we discuss some core principles behind and practical steps towards developing a Service Architecture and how it sits alongside the other articles in this series, with particular reference to Service Alignment. This… Read More »Service Architecture