How do open ecosystems change the financial services offerings to specific customer groups? How do such solutions fit customer preferences, and how are they used? In this post, we dive into data privacy, embedded finance and financial inclusion.

Digital transformation is a broad agenda that includes cultural change. Financial services are shaped by customers' expectations and decisions, just as customer choices in finance are shaped by the services available to them. How do customer expectations and financial services change in response to each other?

Finance is not something we usually associate with human sentiments. While we covet money, we usually see it as a means to an end. Yet there is no doubt that money is associated with emotions and is more about people than it is about numbers. How can we rethink finance as human?

Customer-centricity refers to the capacity of people inside a business to comprehend the circumstances, viewpoints and expectations of customers in order to generate customer pleasure, loyalty and advocacy. But how good is quantitative data really at helping us be customer-centric? What do we gain and what do we miss when we take a quantitative approach?

At Finthropology we build human insights for finance. We’re often asked whether research isn’t too slow to contribute to innovation. At the recent EWPN conference in Amsterdam we discussed this topic with a panel of finance specialists. The answers might surprise you.

Central banks around the world are increasingly looking to develop Central Bank Digital Currencies (CBDCs) as the use of cash dwindles and people turn to third party providers of payments and new forms of money. But why would people use them?

Buy Now Pay Later (BNPL) services are expanding rapidly in the USA. Why do consumers use it, and how? What are the risks?

On social media cryptocurrency is often associated with images of wealth and sex. Why would young people want to consume this kind of content? Why are they attracted to the crypto-hustle? Dr. Alexia Maddox explores how a combination of precarity and the lure of power shape money culture around young people.

How is money social–and how do we provide financial solutions to serve social money issues? Anette Broløs explores our desires to make social decisions about money, and looks at some financial services on the market that help us do just that.

Working with the best and most recent knowledge is key to managing in the competitive and fast changing environment of today. Dr. Anette Broløs explains how financial service providers can benefit from working with universities.

Customer-centricty is growing strong in financial services. But is it enough? The ability of financial service providers to offer great services is limited by external factors such as the economy, environment, fraud and service complexity. How should we think about the future of finance?

Most of us approach the future in unproductive ways: we either see the future as being doomed (it’s too late to fix), or we assume that all our problems will be solved by technology. How do thought leaders in sustainable finance approach building a better human world?

In Australia there is a small but growing number of digital financial services aimed at women. Why might women need or want these services?

We are often advised to put our emotions aside when making financial decisions, but behavioural research shows that this is impossible. Fortunately, today there are an increasing number of financial tools on the market that factor emotions in.