Joris Eckrich is a Senior Consultant at INNOPAY. He has gained broad knowledge in multiple projects within digital banking, payments and cards for the European market. As product manager in the creation of a new challenger bank he has been responsible for developing the card and payment proposition for the German market.
Key areas of interest include: Challenger Banks, FinTech, Digital Customer Onboarding, Digital Identity, Compliance & Regulation
Tian is Business Analyst at the German office. At INNOPAY he is involved in several projects in the area of PSD2 Open Banking and is supporting INNOPAY’s Digital Onboarding Benchmark. Prior to joining INNOPAY, Tian has a professional background in the field of financial regulation and digital banking. Through INNOPAY he strives to shape a new and open financial ecoystem.
INNOPAY developed a Benchmark that provides banks with essential insights into how to make a good first impression on customers. The first research focused on the Dutch retail banking market, where over the last year all banks made it possible to digitally open a payment account, using innovative solutions. Based on the expertise gained from the dutch series, INNOPAY has enhanced its Benchmark model to reflect the progress observed and to account for the characteristics of the German market.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
Jurriaan is a Business Analyst with a professional background in Econometrics and Liberal Arts and sciences. His focus inside INNOPAY lays on schemes, cybersecurity and open insurance.
Where newer and smaller banks used to outclass the incumbent banks regarding the onboarding process, the recent INNOPAY benchmark shows a comeback of the established players.
In episode #1 of INNOPAY’s “Meet the Vendor”, onboarding team lead Guy Rutten talks to Maarten Wegdam, founder and director of Innovalor. Innovalor is the company behind ReadID, an NFC chip reader that lets you onboard in seconds.
Within INNOPAY Maarten is Senior Manager and Sector Lead Insurance.
Maarten is a senior consultant with over 12 years of experience in driving strategy engagements. He is a functional expert in value architecting & targeting, operating model design, business model blueprinting, transformation planning & execution, pricing & profit optimization, new tech and entrepreneurship. He has applied his skills in numerous projects and by being a thought leader in different environments of the Financial Services industry: insurance, retail banking, asset management, pension funds and payments.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
Efforts of insurers should focus more on delivering personalized propositions to their customers. This article elaborates on how insurers can gather relevant insights in an open ecosystem world to allow for more personalised premiums and to gain new business.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
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.
The concept of Open Banking and its potential grows steadily on corporate banks. PSD2 has been an important catalyst for banks in opening up, however, it forced them to focus on complying first, leaving little leeway to innovate beyond PSD2.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
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.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
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 Fintech industry.
Jurriaan is a Business Analyst with a professional background in Econometrics and Liberal Arts and sciences. His focus inside INNOPAY lays on schemes, cybersecurity and open insurance.
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, multi-stakeholder service development 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.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
Within INNOPAYJosjeis Manager and Sector Lead Fintech.
Josjeis a pragmatic and engaging consultant at INNOPAY. She is fascinated by the combination of technology and people. Enabling our clients to shape innovation and jointly work on the challenges they face in the fast changing and digitizing world is what drives her.
At INNOPAYJosjeis leading the Fintech sector, having a background in digital banking. Her field of expertise is digital identity and customer onboarding. Her key specialty is combining customer preferences, organisational capabilities and regulatory requirements.
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 Fintech 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.
