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Researches and opinions by Richard Hartung

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The rise of APIs in retail banking
Date: Feb 21, 2017   |   Author: Richard Hartung | Research Note
Financial institutions are starting to use APIs to create important linkages between their products and services and their customers and important third party value providers. Early movers to stand to gain mindshare of both customers and the wider application developer community.
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Robo-advisors poised to take off
Date: Jan 23, 2017   |   Author: Richard Hartung | Research Note
Customised financial advice had, for many years, been available almost exclusively to private banking clients or to the mass affluent. However, robo-advisors are offering the same advice to many more consumers. Customers in Asia, from the man on the street to the ultra-wealthy, seem ready to embrace these new robo-advisors.
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Digital transformation powers profitability in branch banking
Date: Jan 19, 2017   |   Author: Richard Hartung | Research Note
While many financial institutions in emerging markets are trying to strike the right balance between their physical footprints and digital presence, leading banks in mature markets are proving that digital transformation can boost profitability and efficiency.