Oliwia Berdak

VP, Research Director

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Why You Need An Innovation Ecosystem And How To Prosper As Part Of One

Oliwia Berdak February 11, 2015
Having just watched 72 demos at FinovateEurope, I can confirm that digital financial innovation is alive and kicking. Over the last couple of days, I have seen a number of inspiring solutions to deal with some of the most difficult problems facing financial services today. The main themes at Finovate this year included simplifying and […]
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Digital Disruption Is Happening In Financial Services, You Get It. Now What?

Oliwia Berdak August 6, 2014
Over the past year, we’ve told banks that some of them would become custodians. We’ve told insurers that many of them would be forced to specialise. We’ve told wealth management firms that many would shrink. We’ve done this to show them how digital disruption could savage retail financial services, just as it has done with the […]
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Why Asking About Google Bank Is The Wrong Question

Oliwia Berdak July 29, 2014
"When will Google launch a bank and what will it look like?" is a question I frequently hear from our banking clients. Google’s activities in digital wallets and payments, as well as its reputation as one of the most disruptive firms in the market, have obviously left many banking executives worried. Unfortunately, they’re asking the […]
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Financial Services Are Hot – Who Would Have Thought?

Oliwia Berdak July 17, 2014
Not a day passes without more millions pouring into start-ups bent on disrupting retail financial services. Yesterday it was the payments start-up Zooz with US$12 million, today it’s the peer-to-peer lending platform Funding Circle with US$65 million. Venture capitalists have obviously sniffed an opportunity in an industry characterized by high margins, underserved customers, and accumulated […]
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Few Insurers Are Currently Proud Of Their Mobile Offerings, And Rightly So

Oliwia Berdak July 2, 2014
Have you ever had the pleasure of making the acquaintance of Maxwell the Pig? Maxwell is a likeable if slightly assuming animated pig. At times he can be a bit dismissive of those who aren’t as digitally savvy as he is. Maxwell is also a celebrity, featuring in a number of videos promoting Geico’s mobile […]
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Is Peer-To-Peer Lending A Threat To Banks?

Oliwia Berdak May 7, 2014
Social lending, or peer-to-peer (P2P) lending, is not even ten yet, but it has caused a great deal of commotion already. Consumers, regulators, and banks continue to be perplexed by a business model which is so emblematic of the digital economy, or of digital disruption. Thanks to digital tools, potential lenders and borrowers can interact with […]
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Why You Should Turn To Poland For Digital Financial Services Inspiration

Oliwia Berdak May 2, 2014
“How come America put a man on the moon 45 years ago but still has not produced decent online banking?” asked recently on Twitter Michał Panowicz, mBank’s Managing Director for Products, Digital Channels and Marketing and one of the speakers at last week’s Net Finance Conference. As provocative as the question is, Panowicz is in […]
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European Insurers Wake Up To Digital Disruption

Oliwia Berdak April 23, 2014
Calculating and avoiding risk is at the core of insurance. So what are we to make of the fact that insurance executives top our list of professionals who think that the digital disruption of their industry is imminent?[i] We should take it seriously, seeing it as admirable clairvoyance rather than blind fear. Unlike many other industries, […]
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The Country With The Most ATMs Per Capita? The Contest Re-Opens

Oliwia Berdak January 8, 2014
At a time when mobile banking and mobile payments dominate the financial news, it is easy to forget about the humble automated teller machine (ATM). Customers take them for granted, until an IT glitch prevents them from withdrawing their money, that is. Only a couple of weeks have passed since the latest media uproar caused […]
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UK Mobile Banking Can Finally Embrace Remote Deposits

Oliwia Berdak January 2, 2014
January is a time of lists. For some, it’s their 2014 resolutions. For me, it’s my post-Christmas to-do list. Inevitably, there will be quite a few thank-you letters to write (even for those unwanted presents that feed the January eCommerce activity). I will also be making my way to the bank to cash the checks […]
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