Matthias Kroener

Why regulators and technology are working hand in hand to be the strongest game changers for retail banking

Open Banking is transforming the way banks operate, how they engage with customers and the products and services they provide. It has become a global phenomenon supported by regulations such as PSD2 and the UK’s Open Banking initiative but driven by consumer expectations, business needs and rapid technological development.

Being with Fidor's BtB offer at the forefront of the Banking-as-a-Service market development, Matthias identifies the challenges banks face and discusses the key components and characteristics of a successful future banking platform.

With less direct customer interaction, new business models and partnerships with non-banking players will play a crucial role in a bank's efforts to integrate with their customers' lifestyles, interests and needs.

How technological drivers are the key to successful participation in the new API economy

How the Internet of Things is changing the landscape

Why a paradigm shift is taking place as banks face the need to decouple their customer channels so account holders can do transactions through any interface they choose.

How open banking is affecting a bank´s return on equity

Why corporate culture and the war of talents plays an increasingly strong role in that environment

The essential guide to understanding and engaging the next generation of Financial Services customers

No organization or business can afford to ignore the digital consumer.

With roots in the hotel/hospitality industry, Matthias gained extensive practical knowledge and understanding of delivering customer-centric services and solutions. He understood early on that digital technologies will allow a superior customer experience. Having created two online banks himself (with a strong customer-centric drive at its core) Matthias has a unique insight into digital customer behaviour.

His insight into regulatory environments combined with a deep understanding of technological trends has enabled Matthias to build bridges between the traditional banking world and fintech-powered digital banking platforms.

The common myths and misconceptions many leaders and businesses believe about the digital consumer (even if they don't know it)

Understanding the core beliefs, mindsets and expectations of consumers and employees

Can consumers co-create a bank's pricing? The secret to engaging, persuading and motivating via a digital community and loyalty scheme

How to achieve record low customer acquisition cost

Understanding the global challenge of financial inclusion

Financial Inclusion: a global challenge.

Why your retail bank, as you know it today, will disappear

The financial services industry is currently facing a perfect storm of disruption and upheaval, and the challenges that lie ahead will require an unprecedented level of agility and adaptability.

Open Banking is transforming the way banks operate, how they engage with customers, and the products and services they provide.

With less direct customer interaction, new business models and partnerships with non-banking players will play a crucial role in banks' efforts to integrate with customers' lifestyles, interests and needs.

The key regulatory, social and technology trends that will shape the future including artificial intelligence, robotics and automation

Why future primary banking relationships will be invisible

How data and A.I. will create a unique customer experience

How tech-companies and customer-owners will take over control, forcing incumbent banks to vanish

The skills and competencies that banking teams will need in order to be future-fit