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Description: Journal of Digital Banking is the major professional and research journal publishing in-depth, peer-reviewed articles, applied research and case studies on FinTech innovation, digital disruption and how to develop a profitable, customer-focused digital banking strategy. Subjects covered include: digital payments; fintech innovation; digital payments product management; AI and machine learning; mobile banking and apps; blockchain; open banking; customer service, personalisation and user experience; digitisation initiatives and replacing legacy systems; digital banking start-ups; big data and analytics; risk, fraud and security; regulation and compliance; barriers to consumer adoption; standardisation initiatives; digital, alternative and cryptocurrencies; business models and partnerships; digital banking operations and services.
Series handle: RePEc:aza:jdb000
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Content
March 2025, Volume 9, Issue 4
- 292-293 Editorial
by Beckett, Simon
- 294-316 Embedded finance: An evaluation of current and future use cases
by Finken, Silke & Hensen, Joris
- 317-325 Artificial intelligence ethics in financial services
by Carter, Keith B. & Cave, Andrew
- 326-339 Lessons learned from partnerships between banks and FinTechs: A game of value chain transformation
by Vukoslavović, Danijela & Tatar, Ivica
- 340-352 Opportunities for digital banking: Lived experiences of financially vulnerable customers in the UK
by Elliott, Karen & Copilah-Ali, Jehana & Ng, Magdalene
- 353-372 The innovation paradox in banking
by Mushtaq, Wasim
- 373-382 The marriage of application programming interface conformance and trust frameworks: Balancing innovation and security in open banking
by Woods, Mike & Schweitzer, Todd
December 2024, Volume 9, Issue 3
- 196-197 Editorial
by Beckett, Simon
- 198-210 The future of financial services is not what it used to be: How can incumbent banks compete?
by Bareisis, Zilvinas & Meara, Bob
- 211-221 Beyond compliance: A new narrative for corporate banking with digital know your customer management — Navigating risks, unlocking opportunities
by Heidenhof, Marcus & Manske, Jonas
- 222-237 Analysis of the current status and development path of digital transformation in Chinese commercial banks
by Kaihui, Huang & Yi, Zhang & Hao, Wang & Zhengjin, Xiao & Bo, Yang
- 238-258 Can the Digital Euro be made attractive to all key stakeholders?
by Salmony, Michael
- 259-272 How the instant payment central infrastructure can be a payment solution at the same time — the Hungarian example
by Kiszely, Róbert & Czimer, József & Biró-Lebovits, Máté
- 273-286 COVID-19 has not killed merchant acceptance of cash: Results from the 2023 Merchant Acceptance Survey
by Welte, Angelika & Talavera, Katrina & Wang, Liang & Wu, Joy
September 2024, Volume 9, Issue 2
- 100-101 Editorial
by Beckett, Simon
- 102-109 Essential requirements for central bank digital currency
by Chaum, David & Moser, Thomas
- 110-117 Development of optimised causal AI and its application in retail banking
by Molabanti, Sai Chaitanya & Kanchi, Lakshmi Kiran & Sonathi, Venkateshwarlu & Annam, Rajanikanth
- 118-128 Navigating ISO 20022 maintenance in a connected world: A vision for harmonisation
by Gauci, Melissa
- 129-137 Leadership evolution in the age of artificial intelligence
by Jerahian, Aris
- 138-149 The evolution of exceptions and investigations messaging and flows
by Jenkins, Chloe
- 150-171 The new era of Bitcoin: Profits, progress and potential in the inscription-driven crypto industry
by Gong, Hui & Wang, Han
- 172-188 Low/no-code and traditional code integration in digital banking
by Siang, Yeo Kim & Megargel, Alan
June 2024, Volume 9, Issue 1
- 4-5 Editorial
by Beckett, Simon
- 6-18 Big Data in the financial industry: Applications, potential and regulatory approaches
by Wuermeling, Joachim & Müller, Nils
- 19-29 The journey towards a responsible AI future: Hype, fear and hope
by Lau, Theodora
- 30-48 Data science in economy and finance: A central bank perspective
by Araujo, Douglas & Bruno, Giuseppe & Marcucci, Juri & Schmidt, Rafael & Tissot, Bruno
- 49-66 Reskilling for the future: Enabling colleagues with a digital mindset who are ready for a future global digital era and platforms
by Packard, Helen & Liu, Louise
- 67-85 Innovations and resilience in Thailand’s payment ecosystem: A comprehensive analysis — Connectivity initiatives, challenges and solutions
by Teerapunyachai, Budsakorn & Bawornkitchaikul, Yanin
- 86-95 Enhancing the quality of banking technology platforms through a hybrid AI testing approach
by Itkin, Iosif & Treshcheva, Elena
March 2024, Volume 8, Issue 4
- 292-293 Editorial
by Beckett, Simon
- 294-303 Strategies for commercialising open banking: Approaches from around the globe
by Awasthi, Shruti
- 304-312 Secrets to successful bank and FinTech partnerships for credit and deposits
by Bacon, Rebecca
- 313-322 Compliance redefined: Using GenAI to navigate a complex regulatory landscape with reduced risks and costs
by Liu, Irene & Wongsosaputro, Michael
- 323-329 Expanding the horizons of FinTech: A comprehensive geographical analysis of expansion in Europe and beyond
by Cateland, Axel
- 330-354 The role of bank–FinTech partnerships in creating a more inclusive banking system
by Chernoff, Alan & Jagtiani, Julapa
- 355-363 Why open data and compliance will drive open banking and the role AI will play
by Desai, Abhinav
- 364-380 Ensuring operational resilience in Japan: The rise of new regulations and their implications
by Yanagawa, Eiichiro
December 2023, Volume 8, Issue 3
- 196-197 Editorial
by Beckett, Simon
- 198-209 Hyper-personalisation: Inducing behaviours through data — how machine learning and automation can help customers make valuable and informed decisions
by Coelho, Luís & Cachola, Gonçalo
- 210-219 Data strategy in connected business models
by Berentzen, Christoph & Schaefer, Benjamin
- 220-241 Operationalising ethics for AI in the financial industry: Insights from the Volksbank case study
by Krijger, Joris
- 242-255 Unmet payment needs and a central bank digital currency
by Henry, Christopher S. & Engert, Walter & Sutton-Lalani, Alexandra & Hernandez, Sebastian & Mcvanel, Darcey & Huynh, Kim P.
- 256-262 How to use AI to shape efficient digital and omnichannel experiences
by O’Niel, Jeremy
- 263-274 New skills in an AI world in finance
by Nguyen, Tram Anh
- 275-285 Personalisation as a strategy for reversing traditional banks’ market share erosion in primary financial relationships and how to get started
by Pagenkopf, Katie
September 2023, Volume 8, Issue 2
- 100-101 Editorial
by Beckett, Simon
- 102-117 Generative artificial intelligence and large language models for digital banking: First outlook and perspectives
by Sleiman, Jean-Pierre
- 118-131 Banks offer crypto: Why doesn’t yours?
by Agnikhotram, Sai & Jost, Fritz & Kühne, Simon
- 132-140 Where are the customers’ bots? The AI paradigm shift in retail banking
by Birch, David G.W. & Rutter, Kirsty
- 141-158 Effective risk management for financial institutions’ partnerships with FinTechs
by Piotti, Meredith F.
- 159-167 What is the hype about hyper-personalisation? A three-dimensional view to implementation
by Reznic, Mirella
- 168-175 The next digital inflection point for US banks
by Carter, Michael
- 176-189 How RegTech tools enable regulatory compliance for cryptoassets: A case study for cryptoasset transaction monitoring
by Boškić, Magdalena
June 2023, Volume 8, Issue 1
- 4-5 Editorial
by Beckett, Simon
- 6-12 How can banks continue digital transformation in a downturn?
by Khosla, Rishi
- 13-29 Optimising the customer experience: Lessons for banks from tech giants
by Finken, Silke & Rusp, Katharina
- 30-36 Best practices and important considerations for AI and digital transformation in an economic downturn
by Deakin, Brendan
- 37-48 Evolving consumer expectations and the future of digital banking
by Kasturi, Srini
- 49-57 Moving towards the scalable service-oriented data management organisation at OTP Bank
by Babos, Gergely
- 58-64 Modernising intra-day liquidity optimisation for commercial banks
by Feuillette, Jeremie & Towning, Will & Soramäki, Kimmo
- 65-76 The future of cryptocurrency and Blockchain technology in finance
by Wanyi, Wong & Megargel, Alan
- 77-89 Account aggregator ecosystem: A step towards revolutionising digital lending in India
by Yellapantula, Venkat & Miriyala, Venu Madhav
March 2023, Volume 7, Issue 4
- 288-289 Editorial
by Beckett, Simon
- 290-300 Web 2.5: The vision of the future needs a plan for the now
by Agrawal, Avinash
- 301-308 Financial infrastructure in the FinTech era and implications for policymakers
by Natarajan, Harish
- 309-316 The rise of diaspora banking: Best banking practices on a global scale
by Loginova, Jane
- 317-328 How financial services leaders are using enterprise intelligence to optimise efficiency ratios
by Waid, Bill
- 329-342 DeFi and banks: Towards a symbiotic relationship? Evidence of crypto and DLT-related activities of G-SIBs
by Nassr, Iota-Kaousar & Roulet, Caroline
- 343-356 Payment facilitators’ effects on the digital economy
by Memiş, Halim
- 357-364 Central banks, cryptocurrencies and monetary stability: Same game, same rules?
by Impekoven, Christoph & Werne, Jochen
- 365-377 The evolution of digital banking
by De Venn, Peter-Jan Van
December 2023, Volume 7, Issue 3
- 196-197 Editorial
by Beckett, Simon
- 198-214 Sustainable finance statistics: Progress, challenges and leveraging digital tools
by Artman, Merve & Bui Quang, Pierre & Demski, Jakub & Esham, Nadia & Izzati, Nur & Kling, Leah & Nefzi, David & Peronaci, Romana & Schlitzer, Christine & Schmieder, Christian & Seyhun, Ömer Kayhan & Tissot, Bruno & Triebskorn, Elena & Yang, Huiming
- 215-223 US banks need a new approach to customer experience
by Jiménez, Alex
- 224-232 Two paradoxes of Open Banking
by Geerling, Max
- 233-248 The invoice data exchange accelerates SME banking innovation: Trends and initiatives for e-invoicing in Japan
by Yanagawa, Eiichiro
- 249-265 Is algorithmic credit scoring a ‘high risk’?
by Milkau, Udo
- 266-279 Human-centred artificial intelligence in the banking sector
by Krishnaraj Arul, Obuchettiar & Megargel, Alan
September 2022, Volume 7, Issue 2
- 101-102 Editorial
by Beckett, Simon
- 103-114 How can new tools and technology such as artificial intelligence encourage new ways to communicate in the world of prudential regulation?
by Packard, Helen & Begum, Sholthana & Lopez-Corleone, Melvin
- 115-121 Leveraging FinTech partnerships to develop niche markets for growth
by Hamilton, Linda
- 122-128 How hyper-personalisation is fuelling digital banking’s second wave
by Waupsh, John
- 129-141 Establishing a strong digital foundation for a 150-year-old building society with business process re-engineering and RPA
by Venkateswaran, Jay
- 142-157 Closing the experience gap in banking: Humanising customer experience in four dimensions
by Bridges, Annmarie M. & Elkins, Brian & Gross, Kerry & Silva, Brendha Da
- 158-165 Artificial humanity: Smart tooling to implement the human touch in digital investing
by Vandenbroucke, Jürgen
- 166-187 Central bank digital currencies: From design to issuance and distribution — A case study of China’s sovereign digital currency
by Gong, Hui & Thapar, Harry & Thapar, Ann
June 2022, Volume 7, Issue 1
March 2022, Volume 6, Issue 4
- 296-297 Editorial
by Beckett, Simon
- 298-307 What could a central bank digital currency look like in the euro area? The outcome of a hackathon exercise
by Grym, Aleksi
- 308-318 From open banking to embedded finance: The essential factors for a successful digital transformation
by Hensen, Joris & Kötting, Brigitte
- 319-330 Central bank digital currency: Applications for domestic and cross-border transactions in Thailand
by Arromdee, Vachira & Koonprasert, Tunyathon
- 331-337 Smart data fabrics: The emerging architectural approach that is revolutionising data and analytics initiatives
by Lichtenberg, Joe
- 338-348 Bank of Lithuania’s digital currency experimentation: Lessons learned
by Šostakaitè, Austèja
- 349-358 The state of digital wallets today and tomorrow: What does this mean for payments in the future?
by Liikamaa, Monika & Buss, Linda & Vaajanen, Ville
- 359-365 Central bank digital currency: The new kid on the block?
by Moser, Thomas
- 366-380 Strategic business models under open banking: A guideline for incumbent banks
by Long Nguyen, Hung Huynh & Megargel, Alan
December 2021, Volume 6, Issue 3
- 200-201 Editorial
by Beckett, Simon
- 202-210 A transformational journey: Artificial intelligence in financial services
by Lau, Theodora
- 211-219 Banks and FinTechs: Friends or foes? What it takes for banks and FinTechs to successfully cooperate
by Lüth, Katharina
- 220-232 The emergence of the Chief Digital Information Officer role and its influence on the future of digital transformation
by Clayton, Kari-Anne & Redshaw, Wendy
- 233-250 Incorporating microdata into macro policy decision-making
by Israël, Jean-Marc & Tissot, Bruno
- 251-261 Blockchain, DeFI, NFTs: From use cases to business plan
by Marochini, Laurent
- 262-269 Unregulated digital exchanges as bottleneck
by Rattaggi, Mattia L. & Schenk, Luca
- 270-276 Transforming the future of digital banking with APIs and DataSecOps
by Lancos, Peter
- 277-286 The ascent of digital banks in the Gulf region: Prospects and challenges
by Abumughli, Ala’ Azmi & Aysan, Ahmet Faruk
- 287-292 How automation is driving partnerships and innovation in financial services
by Wooster, James
September 2021, Volume 6, Issue 2
- 104-105 Editorial
by Beckett, Simon
- 106-119 Financial services in a post-pandemic world: How cloud-based intelligent enterprises will forge the path ahead
by Geary, Jennifer
- 120-129 How a focus on ecosystem play is important for financial institutions to stay relevant
by Liew, Nam Soon & Pamnani, Vinay
- 130-139 Future strategies for remote working in an era of accelerated transformation
by Sjöberg, Peter & Hall, Joshua
- 140-148 Customer understanding is the new digital
by Bartussek, Joerg
- 149-160 Real-time payments are transforming economies and lives: Initial evidences from select countries
by Buckley, Andrew & Balakrishnan, Mahadevan
- 161-171 With digital advances, bancassurance leaps forward
by Ringsted, Sean
- 172-180 Simple banking: it is not that complicated
by Skúlason, Haukur
- 181-192 Securing DLT-based KYC via randomised audits
by Drgon, Matus & Georgiou, Lamprini & Kiayias, Aggelos
June 2021, Volume 6, Issue 1
- 4-5 Editorial
by Beckett, Simon
- 6-24 Building a new ecosystem: A bank’s journey through sustaining digital transformation, understanding AI and managing the galaxy of continuous change
by Nikum, Nidhi
- 25-32 Credit intelligence: A more robust alternative to current commercial loan modelling approaches
by Kahrim, Neil & Hunter, Sean
- 33-47 Is your bank’s IT strategy ready to support growth in ESG investments and market offers? Can AI help solve what traditional IT cannot?
by Bhardwaj, Kovid
- 48-56 Innovation in the face of disruption
by Herrmann, Katharina
- 57-65 The development of digital identity in the Financial Service Industry: From an element that enables digital transactions to a new strategic asset for business
by Mario Lavizzari, Michele Guido & Luzio, Marco Di & Tommasino, Claudio
- 66-71 OK Google, what is the future of voice in banking?
by Moysan, Yvon
- 72-82 RegTech: An untapped opportunity
by Umalkar, Mukund
- 83-95 The cyber arms race: How can CISOs win?
by Weston, Mark & Kashyap, Rajan
March 2021, Volume 5, Issue 4
- 289-290 Editorial
by Beckett, Simon
- 291-304 Digital transformation and the COVID-19 challenge
by Bhalla, Ravi & Osta, Elizabeth
- 305-312 Are banks serious about customer experience? How to deliver market-beating customer experience
by Calmejane, Claire
- 313-320 Moving an entire banking sector onto DLT: The Italian banking sector use case
by Stasi, Roman & Attanasio, Silvia
- 321-328 Creating an AI-based personal assistant: Case study of Is¸bank ‘Maxi’
by Memiş, Halim & Geylan, Zeynep
- 329-341 Challenger banks are dead, long live challenger banks
by Johnson, Meaghan
- 342-349 Contextual behaviour-driven strategy: Digital banking beyond internet and mobile applications
by Li, Lily
- 350-356 Digitising investing in the light of behavioural finance findings
by Vandenbroucke, Jurgen
- 357-364 The Norwegian miracle: From crisis to cash in three weeks
by Ugland, Yngvar & Berglind, Geir V.
- 365-377 Empowering Singapore’s SMEs: FinTech P2P lending — A lifeline for SMEs’ survival?
by Lee, Grace & Megargel, Alan
December 2021, Volume 5, Issue 3
- 192-193 Editorial
by Beckett, Simon
- 194-203 Request to pay: Monetising the instant payments investment
by Kulk, Erwin
- 204-211 The digital bank: Has it come of age?
by Ali, Faraaz
- 212-218 Data and consent management services: An opportunity for banks to redefine themselves
by Hızveren, Dârâ
- 219-230 Regulatory obstacles to organised trading in security tokens
by Tomanek, Stefan & Pekler, Florian & Rirsch, Ralph
- 231-239 Building the future of advisory in private banking
by Danis, Muriel & Biggs, Diana
- 240-254 Experiences from the Dutch instant payment project: From 0 to 289 million in one year
by Beers, Frans C. Van & Dijk, Inge P. J. H. Van
- 255-263 What digital banks can learn from decentralised finance
by Yavin, On & Reardon, Aj
- 264-276 Instant payments in Asia are changing business models
by Pairman, Steven & Sanggita, Wanisri
- 277-283 Request to pay: The missing piece of the puzzle
by Roeck, Francis De
September 2020, Volume 5, Issue 2
- 100-101 Editorial
by Beckett, Simon
- 102-109 The seven highly effective strategies to survive in the open banking world
by Bahri, Germain & Lobo, Tabitha
- 110-125 Building CEE’s largest banking partnership ecosystem
by Wolf, Christian & Imamovic, Tanja & Arateanu, Catalina & Obetkova, Miriam
- 126-136 ISO 20022: Understanding the scale of change
by Schmidt, Isabel
- 137-145 Dos and don’ts of immediate payment implementation: The Hungarian story
by Kiszely, Róbert & Czimer, Jozsef
- 146-154 PSD2 Secure Customer Authentication and customer experience: Ensuring a positive impact
by Sacaleanu, Roxana & Tak, Eric
- 155-162 The smartphone, not the tablet, now rules the mobile banking experience
by Prom Tep, Sandrine & Arcand, Manon & Diotte, Sara-Kim
- 163-184 Assessment of micro, small and medium enterprises (MSME) financial inclusion initiatives by the commercial banks in Lesotho
by Nalane, Lefeela Joseph & Sekantsi, Lira Peter
June 2020, Volume 5, Issue 1
March 2020, Volume 4, Issue 4
- 289-290 Editorial
by Beckett, Simon
- 291-300 Revolutionising the consumer banking experience with artificial intelligence
by Carpenter, Tiffany
- 301-306 A community bank’s digital transformation: Process, people and branding — implementing a purposeful digital banking strategy that puts people first
by Botnen, Josh
- 307-317 Open banking experiences set the stage for Open X
by Ghanem, Elias
- 318-331 FinTech at the frontier: Technology developments supporting financial inclusion in Niger
by Blakstad, Sofie & Amars, Latif
- 332-343 Electronic invoicing: The first step towards digital B2B payment modernisation
by Berg, Guy
- 344-350 Explainable AI in banking
by Burgt, Joost Van Der
- 351-363 Innovation, insight and trust: Customer experience excellence delivered responsibly in a digital world
by Heffner, Mike & Mettrick, Guy
- 364-376 Opening the gates: A framework for an open banking strategy
by Standaert, Willem & Muylle, Steve & Cumps, Bjorn
December 2019, Volume 4, Issue 3
- 192-193 Editorial
by Beckett, Simon
- 194-205 How can banks survive and thrive in a world of automated finance?
by Bhagat, Jody
- 206-212 The new gateway of DLT technologies (blockchain) for tech companies to invade the banking and financial market: What is the future of financial intermediaries?
by Raffelini, Alessandro
- 213-221 Choosing digital lending partners for banks and making partnerships work
by Wendel, Charles
- 222-233 Leveraging biometrics to transform KYC
by Ferreira, Matthew
- 234-243 From operational necessity to strategic advantage: Why payments are the next area of transformation in the B2B value chain
by Parpou, Maria & Frost, Luke
- 244-253 Robotic process automation and its implications for programme management office
by Shah, Manan & Samra, Rajbir
- 254-267 Connecting the dots: Digital payments and financial inclusion in India
by Sethy, Susanta Kumar
- 268-279 Virtual asset trading platforms: An assessment of the stability risks and the potential for self-regulation
by Copeland, Rory
September 2019, Volume 4, Issue 2
- 100-101 Editorial
by Beckett, Simon
- 102-110 FinTech innovation: Revolutionary or evolutionary business model disruption?
by Bhalla, Ravi
- 111-118 Leveraging artificial intelligence and Big Data to unlock the potential in bespoke SME lending
by Hunter, Sean
- 119-124 Discerning between hype and reality: Common misconceptions about Blockchain
by Parkhurst, Kelly
- 125-130 Future-proofing the next generation of financial market infrastructures: The devil is in the data
by Soramäki, Kimmo & Sissens, Dave
- 131-143 Open banking: Towards platform and modular banking
by Moysan, Yvon & Rudnicki, Margaux
- 144-151 Digital banking is an important ingredient for the future of banking
by Rafiq, Muhammad
- 152-160 A new era of private securities: Application of Blockchain in private capital markets infrastructure
by Shtybel, Ulyana
- 161-174 Digital financial services uptake in Africa and its role in financial inclusion of women
by Sekantsi, Lira Peter
- 175-183 We need banks, but not only in banking: The case for user-centric platform propositions beyond financing
by Kader, Adem
June 2019, Volume 4, Issue 1
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