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  • Banking Apps – The Digital Building Blocks of Banks’ Omni-channel Strategy

    Nowadays, banking apps form part of the standard services offered by many banks. In the US, the majority of smartphone and tablet users have installed their bank’s app, and 44% of them use the app. In Germany, 26% of all smartphone and 37% of all tablet owners state that they often use their devices for banking activities.


  • Money via Email – Google and Square Enable Transactions by Email

    Google only recently announced that it would enable users to send money via its email service, and now Square has announced a similar option with its service “Square Cash”. What is so interesting about transferring money and making payments via email? Of what use is this to customers, and to the providers? And what is the backstory behind this development in regard to the Payment Transactions segment?

  • Digitalization and Social Networks as Drivers of Innovation in the Insurance Industry – the Case of “Friendsurance”

    The start-up “Friendsurance” offers insurance products that are based on digital social networks: Friends can buy insurance together and regulate damages up to a certain sum within the circle of friends. If the damages exceed this limit, the classic insurance policy kicks in. The model provides advantages to both customers and insurers.