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  • Five Theses on Personal Finance Management

    Last Thursday, the Bankingclub hosted the Bankinglounge in the Q110 branch of Deutsche Bank on Friedrichstrasse in Berlin, focusing on the topic of Personal Finance Management (PFM). The four providers “Strands finance”, “Meniga/Crealogix”, “IND Group”, and “Elaxy”, introduced their products and answered questions in the context of a panel discussion. Although each of the companies represented at the event claimed the title of “leading provider” for itself, they were mostly in agreement with each other regarding future developments and the future relevance of PFM.

  • White Label Concepts in the Market for Innovative Financial Services

    Increasing numbers of white label concepts are to be found in the market for innovative financial services. This is first of all a sign of the rising level of maturity of the developments in terms of the convergence of traditional and innovative banking products. Above and beyond that, this creates opportunities for established banking service providers to integrate innovations straightforward into their product portfolio; but that requires a differentiated brand strategy.

  • Personal Finance Management: A Service Offered by Banks or an Independent Banking Service?

    The innovations in the field of Personal Finance Management (PFM) are representative of the transformation currently taking place in the classic services offered by banks. While the account statement appears archetypal to banks – and to many clients – innovative products have already begun to exploit the potential of the digital preparation of information. These products enable the user to obtain an overview of personal finances, to manage and steer them; they also realize what is technologically possible and thereby react to changed demands on the part of clients; they integrate a changed self-understanding of clients and expand the classic value-added chain not only by including the factor of information, but also the ability of customers to compile information.