Jacob Morgan

Senior Analyst

Forrester Bio

Author Insights

Blog

The Future Of Banking Has Arrived

Jacob Morgan July 29, 2020
Forrester's latest research finds future of banking will be invisible, connected, insights-driven, and purposeful. Analysts Jacob Morgan and Alyson Clarke break it all down.
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Video

A Glimpse Into The Future Of Banking

Jacob Morgan July 16, 2020

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Blog

Open Banking Implementation Issues Give Rise To A New Breed Of Intermediaries

Jacob Morgan July 9, 2020
The challenges associated with open banking have brought about a new segment of intermediaries. Find out how these vendors can help inform your technology strategy.
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Blog

Using Innovation To Rebuild From COVID-19 — Lessons From Financial Services

Jacob Morgan June 4, 2020
We are living in uncertain and extraordinary times, and extraordinary feats are being delivered daily by committed workforces for which speed translates into jobs, businesses — and lives — saved. Innovation is a necessity in times of crisis, made easier by the expectation of fast delivery and the singular goal to coalesce and organize against. […]
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Blog

Developer Engagement Recognizes The Developer As Your Newest Customer

Jacob Morgan May 5, 2020
Digital technology is enabling unprecedented connection between people, companies, and devices. Connecting them all lies at the hands of the developer, a role with increasing power in an organization. In the age of open banking, simply providing access to APIs, documentation, and a sandbox is not enough. Developer engagement builds long-term bridges between a firm […]
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Blog

Predictions 2019: Digital Leaders Reboot To Hedge Against A Downturn

Jacob Morgan November 7, 2018
Forrester predicted in 2018 that digital would reach the hard stuff, the core of business: organization structure, operating models, and endless discussion of platforms. These themes are far from done; however, 2019 sees a distinct shift in emphasis — winter is coming. In 2019, economic uncertainty stalks the halls, and budgets will see pressure. Many firms […]
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Blog

Open Banking And PSD2 — The First 100 Days Have Been A Slow, Fragmented Start

Jacob Morgan April 25, 2018
TL;DR: It has been a slow, fragmented start to open banking, but the pace will accelerate. Fintechs are forging ahead with innovation, and a new set of intermediary service providers is growing. Banks need to become outside-in fast to thrive with open banking, building operating model competence for an externally oriented business. Few Banks Place […]
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Blog

Drive Digital Culture Into Your Organization’s DNA

Jacob Morgan March 5, 2018
Transformation is hard. If you have the wrong culture, the wrong mindset, it is almost impossible. Cultural alignment is a huge enabler of change — when done well, it greases the skids; when poorly executed, it can stop transformation dead in its tracks. Digitally innovative firms are characterized by embracing technology as a driver of […]
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Blog

Predictions 2018: Digital Strategy Reaches The Heartwood Of The Business

Jacob Morgan November 10, 2017
Digital business leaders know that customer obsession is the winning mantra, however meeting the needs of today’s empowered customer requires both laser focus and responsiveness. Experimentation, minimum viable products, and labs are so 2017. In 2018, digital business transformation will be played out at scale — in organization structure, in operating models, and in talk […]
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Blog

Open Banking Is Open For Business

Jacob Morgan May 24, 2017
Open banking is rapidly heading to the top of the agenda for retail banks across the globe. BBVA today announced the launch of its open banking business, joining the likes of Nordea, which launched its open banking site in March. In the UK, the Competition and Markets Authority obliged the top nine banks to create […]
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Blog

Digital Wallets Are Poised For Growth – But Adoption Will Be Slower Than You Think

Jacob Morgan April 7, 2016
Digital wallets appear to be so compelling – simplifying life for the customer (check), always present (check), location marketing (check), loyalty and rewards (check), multiple payment types (check), digital delivery (check) adoption…hmmm, not so good. So why are consumers not flocking to the promised land of Apple Pay, Android Pay and other digital wallets? Well […]
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