As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
The European Supervision Authorities, supporting new Customer Due Diligence technologies, provided a pragmatic guide for organisations considering how to strike the right balance. By using these guidelines, financial institutions can more easily embrace digital opportunities, and quantify the risks and security aspects of using innovative solutions. This analysis article clarifies the guidelines and provides additional insights and considerations.
As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
David is Business Analyst at Innopay. He has a professional background in financial economics and strategic management. Previously, he worked for the Dutch Authority of Financial Market, where he was responsible for analysing potential investor risks in the Dutch Crowdfunding industry. In his work, David has the ability to critically analyse problems from the perspective of all stakeholders. He is interested in disruptive innovations, specifically in the Finch industry.
Although newer and smaller banks are more agile than their larger, more established competitors, they are being outclassed by a new kid on the payments block. This is one of the interesting conclusions of the latest INNOPAY Onboarding Benchmark.
Within Innopay, Esther is Sector Lead Banking & Payments.
Esther has 20 years of experience in sales consultancy and transformation management in different types of organisations and businesses. In the last 10 years, she has worked in transaction banking at a large multinational bank. Her experience extends from advising corporates on complex cash & liquidity management solutions to managing and guiding teams in their transformation to a more customer centric and agile way of working.
Within INNOPAY, Christian is mainly involved in digital identity and customer-centric innovation. Combining a background in design and technology with the field of regulations, Christian is able to approach situations from a business, technology and regulatory perspective.
This blog presents a model (developed with the Shopping Tomorrow 'Digital Identity' experts) that will help organisations to better understand their own context in relation to the behavioural context of their preferred consumers. Enabling to define and deliver on a customer centric digital strategy and onboarding process by putting the customer in control of their identity.
As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
David is Business Analyst at Innopay. He has a professional background in financial economics and strategic management. Previously, he worked for the Dutch Authority of Financial Market, where he was responsible for analysing potential investor risks in the Dutch Crowdfunding industry. In his work, David has the ability to critically analyse problems from the perspective of all stakeholders. He is interested in disruptive innovations, specifically in the Finch industry.
The INNOPAY Digital Customer Onboarding Benchmark revealed that higher performing banks are able to better position and align their different modular building blocks. Aligning these blocks results in a "low effort / high response" process that is customer-centric.
As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
Jorrit holds a master’s degree in Systems Engineering, Policy Analysis and Management from the Delft University of Technology and has experience in strategic assessments and market research on introducing innovative products and services at INNOPAY. He is fascinated by the opportunities and challenges technology creates and how technology shapes the way we behave, work and live. Jorrit is an enthusiastic and result-oriented team player.
Technology has enabled innovation, but Financial Institutions (FIs) are not using its potential to improve their corporate client onboarding processes. This is contrary to what we see in the retail market, where the digital transformation is proceeding at full speed.
Walter is an experienced INNOPAY project manager, working on strategy, innovation and compliance challenges in payments and digital identity. He works with clients to help them decide which products to develop, which markets to enter, which companies to acquire, and how to execute successfully.
Walter is an excellent analytical thinker and has supported clients across many key challenges, with compliance assessments, market entry and growth strategy formulation and testing, as well as business model formulation and financial modeling.
Connect with Walter to understand how you can fully cash in on the opportunities of new product and market development in the digital age.
Financial service providers are challenged by Bigtechs to build international scale for their innovative products. Cross-border introduction of innovative digital payment and loan products is a difficult game however, as local implementations of the Anti-Money Laundering Directive (AMLD) and other regulatory requirements differ markedly between countries. INNOPAY’s phased approach to cross border compliant expansion will help banks and financial service providers to turn AMLD (and other regulations) into a competitive advantage and offer compliant products in line with consumer expectations.
As a consultant at Innopay Josje mainly focuses on projects related to innovation in payments and digital identity. Josje has a background in Corporate Communication and International Management. In her daily work as a consultant she is fascinated by the combination of technology and people. Enabling our clients to shape innovation and to jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At Innopay Josje leads the Customer Onboarding practice. Her key specialty is combining regulatory requirements, customer preferences and organisational capabilities. This leads to digital, fast and relevant onboarding, enabling our clients to stay ahead of their competitors.
Contact Josje to understand how customer onboarding can contribute to your competitive advantage.
As a consultant at Innopay Art mainly focuses on projects related to innovation in technology and digital identity.
Art has several years of entrepreneurial experience and has worked in the software start-up scene in Silicon Valley. He has a background in information science, mobile and web development. He is a driven and action oriented consultant at Innopay and has worked on various strategy, open banking and data sharing projects.
At Innopay Art leads the Machine Learning team, staying up to date with the latest tech trends for projects like the INNOPAY’s Open Banking Monitor.
Opening an account is one of the first interactions a new customer will have with you as a bank. And it is a true cliché that ‘you never get a second chance to make a first impression’. So, you’d better do it right, right?
Within INNOPAY, Christian is mainly involved in digital identity and customer-centric innovation. Combining a background in design and technology with the field of regulations, Christian is able to approach situations from a business, technology and regulatory perspective.
Get a grip on the onboarding redesign process by using a simple 3 Step plan. Begin with strategic relevance. Next relate your strategy to concrete issues like customer interaction and regulatory requirements. Only then work with solution providers to turn the strategy into tangible customer experience.
Friso has had a career of nearly 20 years in the financial sector. He has consulting and management experience in IT, banking and the Dutch government, amongst others as programme manager SEPA. His area of expertise is (regulation of) financial market infrastructures, and payments in particular. Friso has a proven track record of bringing together stakeholders of various backgrounds and interests to a common goal.
As a senior consultant at Innopay Eefje mainly focuses on projects related to innovation and digital identity. Eefje brings more than 12 years of experience in product management and business development. Her experience extends from developing digital trust infrastructures to agile development of identity and access management services.
This blog elaborates on how financial institutions and Digital Identity Service Providers can play a role in aggregating information from different national electronic identity (eID) schemes to streamline KYC-processes.
