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		<title>AI, Climate and the Future of Green Skills by Amit Agrawal</title>
		<link>https://blog.cfte.education/ai-climate-and-the-future-of-green-skills-by-amit-agrawal/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=ai-climate-and-the-future-of-green-skills-by-amit-agrawal</link>
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		<dc:creator><![CDATA[Shaima]]></dc:creator>
		<pubDate>Mon, 24 Nov 2025 17:02:13 +0000</pubDate>
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		<guid isPermaLink="false">https://blog.cfte.education/?p=531795</guid>

					<description><![CDATA[<p>In a timely session on Generative AI in Finance and Climate, regulatory risk and transformation leader Amit Agrawal explored how &#8230; <a href="https://blog.cfte.education/ai-climate-and-the-future-of-green-skills-by-amit-agrawal/" class="btn btn-readmore">Read More <span class="screen-reader-text"> "AI, Climate and the Future of Green Skills by Amit Agrawal"</span></a></p>
<p>The post <a href="https://blog.cfte.education/ai-climate-and-the-future-of-green-skills-by-amit-agrawal/">AI, Climate and the Future of Green Skills by Amit Agrawal</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
]]></description>
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<h5 class="wp-block-image size-full"><img fetchpriority="high" decoding="async" width="776" height="515" class="wp-image-531797" src="https://blog.cfte.education/wp-content/uploads/2025/11/image-3.png" alt="" srcset="https://blog.cfte.education/wp-content/uploads/2025/11/image-3.png 776w, https://blog.cfte.education/wp-content/uploads/2025/11/image-3-300x199.png 300w, https://blog.cfte.education/wp-content/uploads/2025/11/image-3-768x510.png 768w" sizes="(max-width: 776px) 100vw, 776px" /></h5>
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<p><!-- wp:paragraph --></p>
<p>In a timely session on Generative AI in Finance and Climate, regulatory risk and transformation leader Amit Agrawal explored how AI can accelerate progress on sustainability – not just as a technical tool, but as a catalyst for new governance models, business opportunities and careers.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:paragraph --></p>
<p>With over 15 years of experience across financial services, fintech and consulting, Amit has led large-scale remediation programmes and digital transformations, helping organisations shift from viewing compliance as a cost to treating it as strategic value. In this webinar, he applied that lens to one of the defining challenges of our time: climate change and the transition to a green economy.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">Why Investing in Sustainability Makes Business Sense</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>Amit began by reframing sustainability as a return-generating investment, not a side cost. Citing data from the Carbon Disclosure Project (CDP) and similar analyses, he highlighted that companies investing in sustainability often see:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Significant financial upside relative to the cost of climate initiatives</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Tangible reductions in risk exposure across operations and supply chains</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Benefits across multiple sectors – from energy and manufacturing to agriculture and services</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>In practical terms, sustainability spending can translate into higher resilience, better market access, and improved long-term profitability. Failing to invest, by contrast, comes with a mounting price tag as climate risks materialise.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">Climate Reality: Narrowing Windows and Rising Pressures</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>Amit then grounded the discussion in the current climate trajectory. The world has already crossed the 1.5°C threshold in recent measurements, and extreme weather events – heatwaves, floods, fires – are increasing in both frequency and intensity.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:paragraph --></p>
<p>He connected this to:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
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<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li><strong>Geopolitical conflicts</strong> (e.g. wars and regional tensions) that divert attention and funding away from ESG priorities</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li><strong>Policy fragmentation</strong>, particularly where some jurisdictions roll back or stall climate regulations while others move ahead</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>The shrinking “window for change”, which means incremental action is no longer enough</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>All of this, he argued, makes innovation and technology indispensable if we want to have any realistic chance of achieving net-zero pathways.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">The Evolving Regulatory and Disclosure Landscape</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>Amit walked participants through the fast-changing ecosystem of sustainability standards and reporting frameworks:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>IFRS sustainability standards, GRI, TCFD and others increasingly converging</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Local adaptations such as MAS guidelines, OSFI expectations in Canada and EU frameworks influencing market behaviour</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Emerging initiatives like TNFD (Taskforce on Nature-related Financial Disclosures), with hundreds of organisations managing trillions in assets beginning to adopt nature and climate-related risk reporting</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>The direction of travel is clear: disclosure is tightening, expectations are rising, and organisations that treat ESG as optional are likely to lose access to markets, capital and key trade corridors.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">AI as Climate Accelerator: Use Cases and Opportunities</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>A central question of the session was whether AI is a climate risk multiplier or a climate accelerator. Amit’s answer: used responsibly, it can and must be a powerful accelerator.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:paragraph --></p>
<p>He discussed how AI can:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Optimise energy use and support grid balancing between renewable and non-renewable sources</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Improve emissions measurement and forecasting, including Scope 3 emissions</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Enable smarter supply chain and scenario modelling, helping firms adapt to climate disruptions</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>Concrete examples included:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>A BIS-linked project exploring AI-driven Scope 3 accounting, using data ingestion, modelling and optimisation to identify lower-emission pathways and report more accurately</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>A Singapore-based initiative involving MAS and Smart Nation agencies, using smart meters and sensors to collect real-time energy data across buildings and sectors, enabling benchmarking, simulations and more informed policy and investment decisions</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>Across sectors – energy, manufacturing, agriculture, transport and finance – Amit showed that AI is already being applied to reduce emissions, cut waste and increase resilience.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">Risks, Governance and Responsible AI Principles</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>Amit was clear that AI is not a silver bullet. It introduces new risks:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Data quality and cyber risk</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Opacity and explainability challenges in complex models</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Bias and fairness issues, driven by skewed training data</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Environmental concerns about AI’s own energy usage, which must be weighed against the emissions reductions it can enable</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>He argued that successful climate AI solutions must be:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Purpose-driven – targeted at clear sustainability outcomes (e.g. emissions reduction, resource efficiency, social impact)</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Responsibly governed – aligned with frameworks such as the EU AI Act and sectoral principles (e.g. MAS FEAT/FI principles)</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Human-informed – developed with input from climate scientists, ESG specialists, risk experts and domain practitioners</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Energy-conscious – designed to minimise unnecessary compute and maximise net environmental benefit</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>In short, climate tech must combine technology, ethics and purpose, not treat them as separate conversations.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading --></p>
<h2 class="wp-block-heading">Green Skills, Careers and the Intersection of AI and ESG</h2>
<p><!-- /wp:heading --></p>
<p><!-- wp:paragraph --></p>
<p>The latter part of the session focused on skills and career opportunities in the emerging green economy. Drawing on research from LinkedIn, BCG and others, Amit noted:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Jobs requiring green skills are growing faster than the overall job market</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Demand for profiles combining data/AI, regulation, finance and sustainability knowledge is rising across sectors</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Roles may not always be labelled “ESG”, but appear under headings like decarbonisation, net-zero strategy, supply chain sustainability or climate risk</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>He emphasised that professionals should:</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:list --></p>
<ul>
<li style="list-style-type: none">
<ul><!-- wp:list-item --></ul>
</li>
</ul>
<p> </p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Map their existing transferable skills (e.g. analytics, technology, stakeholder management, regulation, finance)</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Identify target gaps in ESG, climate science, sustainability frameworks or AI literacy</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- wp:list-item --></p>
<ul>
<li style="list-style-type: none">
<ul>
<li>Build capabilities at the intersection of green and digital – where climate and AI meet</li>
</ul>
</li>
</ul>
<p><!-- /wp:list-item --></p>
<p><!-- /wp:list --></p>
<p><!-- wp:paragraph --></p>
<p>Courses like “Generative AI for Climate Change in Finance” are designed to help practitioners understand both technical tools and governance frameworks, positioning them for roles in this fast-evolving space.</p>
<p><!-- /wp:paragraph --></p>
<p><!-- wp:heading {"level":1} --></p>
<h5 class="wp-block-heading">5 Key Learning Outcomes from the Webinar</h5>
<p><!-- /wp:heading --></p>
<p><!-- wp:heading {"level":3} --></p>
<h6 class="wp-block-heading">1. Sustainability is a strategic investment, not a cost centre<br /><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Participants saw evidence that investing in climate and sustainability initiatives can generate significant financial and risk-adjusted returns, while inaction carries mounting costs.</span></h6>
<p><!-- /wp:heading --></p>
<p><!-- wp:heading {"level":3} --></p>
<h3 class="wp-block-heading">2. Climate risk is real, accelerating and intertwined with geopolitics<br /><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">From breaching 1.5°C to conflicts that distract from ESG agendas, the pressure on organisations to act quickly and intelligently has never been greater.</span></h3>
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<h3 class="wp-block-heading">3. AI can act as a climate accelerator when used with purpose<br /><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">AI can reduce emissions, optimise energy use, improve reporting and model complex climate scenarios, provided it is designed with clear sustainability goals.</span></h3>
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<h3 class="wp-block-heading">4. Responsible AI requires governance, ethics and domain expertise<br /><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Data quality, bias, explainability and energy use must be actively managed. Climate AI solutions must integrate ethical frameworks and input from ESG and climate experts.</span></h3>
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<h3 class="wp-block-heading">5. The most valuable careers sit at the intersection of green skills and AI<br /><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Future-ready professionals will blend knowledge of climate and sustainability with skills in data, regulation, finance and technology, creating new roles across industries.</span></h3>
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<p><!-- wp:paragraph --></p>
<p>As climate risks intensify and regulatory expectations catch up, AI is emerging as both a challenge and a powerful ally. Amit’s session made it clear that the organisations – and individuals – who will thrive are those who treat climate action as a strategic opportunity and embrace AI as a tool to accelerate it, not avoid it. By combining green skills with data, governance and technology, today’s professionals can help shape a financial system that is not only more efficient, but also more resilient, equitable and aligned with the realities of a warming world.</p>
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		<p>The post <a href="https://blog.cfte.education/ai-climate-and-the-future-of-green-skills-by-amit-agrawal/">AI, Climate and the Future of Green Skills by Amit Agrawal</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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		<title>Future-Proofing Trade Finance: The Role of  Tokenisation, Standards, and Collaboration by Saloi Benbaha</title>
		<link>https://blog.cfte.education/future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha</link>
					<comments>https://blog.cfte.education/future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha/#respond</comments>
		
		<dc:creator><![CDATA[Shaima]]></dc:creator>
		<pubDate>Mon, 24 Nov 2025 15:57:21 +0000</pubDate>
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		<guid isPermaLink="false">https://blog.cfte.education/?p=531791</guid>

					<description><![CDATA[<p>The latest Blockchain and Digital Assets session brought together global participants to explore one of the most transformative shifts now &#8230; <a href="https://blog.cfte.education/future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha/" class="btn btn-readmore">Read More <span class="screen-reader-text"> "Future-Proofing Trade Finance: The Role of  Tokenisation, Standards, and Collaboration by Saloi Benbaha"</span></a></p>
<p>The post <a href="https://blog.cfte.education/future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha/">Future-Proofing Trade Finance: The Role of  Tokenisation, Standards, and Collaboration by Saloi Benbaha</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
]]></description>
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<p data-start="329" data-end="820">The latest Blockchain and Digital Assets session brought together global participants to explore one of the most transformative shifts now reshaping global trade: <span data-start="492" data-end="536">the tokenisation of trade finance assets</span>. Led by <span data-start="545" data-end="562">Saloi Benbaha</span>, Head of XDC Network Enterprise Alliance &amp; Ventures and Global Women in AI Ambassador, the session unpacked how tokenisation, harmonised standards and cross-industry collaboration are redefining efficiency, transparency and trust across the trade ecosystem.</p>
<p data-start="822" data-end="1088">With a career spanning telecom, banking, blockchain and energy, and fresh from receiving the <span data-start="914" data-end="960">Policy Pioneer Award at the House of Lords, </span>Saloi delivered a masterclass on what financial institutions must understand to stay competitive in a rapidly digitising world.</p>
<h2 data-start="1090" data-end="1136">Tokenisation as a Catalyst in Trade Finance</h2>
<p data-start="1138" data-end="1535">Saloi began by outlining why tokenisation is emerging as a foundational pillar in trade finance. Traditional trade processes are burdened by fragmented systems, inconsistent data, paper-heavy workflows and long settlement cycles. Tokenisation offers a fundamentally different model—one where assets, documents and processes can be <span data-start="1469" data-end="1534">digitised, standardised and exchanged with programmable trust</span>.</p>
<p data-start="1537" data-end="1670">By converting trade assets such as invoices, letters of credit, guarantees or receivables into tokens, institutions can benefit from:</p>
<ul data-start="1672" data-end="1846">
<li data-start="1672" data-end="1693">
<p data-start="1674" data-end="1693">Faster settlement</p>
</li>
<li data-start="1694" data-end="1716">
<p data-start="1696" data-end="1716">Improved liquidity</p>
</li>
<li data-start="1717" data-end="1758">
<p data-start="1719" data-end="1758">Greater transparency and auditability</p>
</li>
<li data-start="1759" data-end="1787">
<p data-start="1761" data-end="1787">Reduced operational risk</p>
</li>
<li data-start="1788" data-end="1846">
<p data-start="1790" data-end="1846">Enhanced interoperability across platforms and borders</p>
</li>
</ul>
<p data-start="1848" data-end="1989">Tokenisation, Saloi emphasised, is not simply a technology upgrade. It represents a structural shift toward <span data-start="1956" data-end="1988">digital-native trade finance</span>.</p>
<h2 data-start="1991" data-end="2035">Why Standards and Interoperability Matter</h2>
<p data-start="2037" data-end="2170">A central theme in Saloi’s presentation was the critical need for <span data-start="2103" data-end="2116">standards</span>. Tokenisation cannot scale in isolation. It requires:</p>
<ul data-start="2172" data-end="2313">
<li data-start="2172" data-end="2194">
<p data-start="2174" data-end="2194">Shared data models</p>
</li>
<li data-start="2195" data-end="2225">
<p data-start="2197" data-end="2225">Common identity frameworks</p>
</li>
<li data-start="2226" data-end="2264">
<p data-start="2228" data-end="2264">Legal and compliance harmonisation</p>
</li>
<li data-start="2265" data-end="2313">
<p data-start="2267" data-end="2313">Industry-wide agreement on asset definitions</p>
</li>
</ul>
<p data-start="2315" data-end="2611">Saloi highlighted how emerging frameworks—such as the Digital Standards Initiative (DSI) and those developed by leading industry bodies—are paving the way for unified digital trade ecosystems. Without such standards, tokenisation risks becoming siloed, fragmented and incompatible across markets.</p>
<h2 data-start="2613" data-end="2655">Collaboration as the Engine of Adoption</h2>
<p data-start="2657" data-end="3001">Tokenisation thrives through collaboration, not competition. Banks, corporates, fintechs, regulators and technology networks must co-design solutions. Saloi’s work at the XDC Network Enterprise Alliance exemplifies this collaborative model, bringing stakeholders together to build shared infrastructure and tackle adoption barriers collectively.</p>
<p data-start="3003" data-end="3155">She also emphasised the growing importance of <span data-start="3049" data-end="3080">public-private coordination</span>, particularly around regulatory clarity and cross-border legal frameworks.</p>
<h2 data-start="3157" data-end="3212">Becoming Tokenisation-Ready: Skills and Capabilities</h2>
<p data-start="3214" data-end="3338">Saloi provided a clear blueprint for organisations preparing to embark on tokenisation initiatives. Key skill areas include:</p>
<ul data-start="3340" data-end="3587">
<li data-start="3340" data-end="3382">
<p data-start="3342" data-end="3382">Understanding digital asset frameworks</p>
</li>
<li data-start="3383" data-end="3430">
<p data-start="3385" data-end="3430">Navigating compliance and regulatory design</p>
</li>
<li data-start="3431" data-end="3458">
<p data-start="3433" data-end="3458">Smart contract literacy</p>
</li>
<li data-start="3459" data-end="3505">
<p data-start="3461" data-end="3505">Process redesign and workflow digitisation</p>
</li>
<li data-start="3506" data-end="3587">
<p data-start="3508" data-end="3587">Cross-functional collaboration between technology, operations and legal teams</p>
</li>
</ul>
<p data-start="3589" data-end="3728">Tokenisation is not an IT project, it is an <span data-start="3632" data-end="3665">organisational transformation</span> that requires new digital competencies across the value chain.</p>
<h2 data-start="3730" data-end="3791">Integrating Tokenised Solutions with Legacy Infrastructure</h2>
<p data-start="3793" data-end="4043">One of the session’s most practical discussions centred on how banks can integrate tokenisation into existing trade finance systems. Saloi highlighted that the most effective strategy is to begin with <span data-start="3994" data-end="4032">well-defined, high-value use cases</span>, and then:</p>
<ol data-start="4045" data-end="4278">
<li data-start="4045" data-end="4101">
<p data-start="4048" data-end="4101">Identify assets that benefit most from digitisation</p>
</li>
<li data-start="4102" data-end="4148">
<p data-start="4105" data-end="4148">Map the current processes and pain points</p>
</li>
<li data-start="4149" data-end="4201">
<p data-start="4152" data-end="4201">Build tokenised modules that integrate via APIs</p>
</li>
<li data-start="4202" data-end="4278">
<p data-start="4205" data-end="4278">Adopt a phased rollout that maintains continuity with legacy operations</p>
</li>
</ol>
<p data-start="4280" data-end="4431">The goal is not to replace existing infrastructure immediately but to <strong data-start="4350" data-end="4383">extend it with digital layers</strong> that introduce automation and interoperability.</p>
<hr data-start="4433" data-end="4436" />
<h1 data-start="4438" data-end="4484"><span data-start="4440" data-end="4484">5 Key Learning Outcomes from the Session</span></h1>
<h3 data-start="4486" data-end="4568"><span data-start="4490" data-end="4566">1. Tokenisation transforms trade finance by digitising assets end-to-end<br /></span><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">It streamlines processes, increases liquidity, accelerates settlement and reduces friction that has long slowed global trade.</span></h3>
<h3 data-start="4696" data-end="4754"><span data-start="4700" data-end="4752">2. Standards are essential for scalable adoption<br /></span><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Without alignment on data, identity and legal frameworks, tokenisation remains isolated. Industry-wide standards unlock interoperability and global connectivity.</span></h3>
<h3 data-start="4918" data-end="4977"><span data-start="4922" data-end="4975">3. Collaboration drives real-world implementation<br /></span><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Tokenisation succeeds when banks, corporates, regulators and networks work together to redesign trade processes, not when each operates alone.</span></h3>
<h3 data-start="5121" data-end="5206"><span data-start="5125" data-end="5204">4. Successful tokenisation requires new digital skills across organisations<br /></span><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Teams must understand blockchain concepts, regulatory expectations, smart contracts and process redesign, not just technology.</span></h3>
<h3 data-start="5334" data-end="5407"><span data-start="5338" data-end="5405">5. Integration with legacy systems must be phased and strategic<br /></span><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">Institutions should start with clearly defined assets and use cases, then layer tokenisation onto existing infrastructure through modular, API-driven approaches.</span></h3>
<h1 data-start="5576" data-end="5598"><span style="font-family: Roboto, arial, sans-serif;font-size: 17px">As trade finance undergoes rapid digital transformation, tokenisation stands out as a powerful enabler of transparency, speed and global interoperability. Saloi’s session showed that the future of trade will not simply be digitised, it will be standardised, collaborative and token-powered. For institutions looking to stay competitive, now is the moment to build the skills, partnerships and technological foundations needed to thrive in this new era. With growing momentum across industries and governments, the shift toward digital trade finance is no longer a possibility, it is already underway.</span></h1>
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		<p>The post <a href="https://blog.cfte.education/future-proofing-trade-finance-the-role-of-tokenisation-standards-and-collaboration-by-saloi-benbaha/">Future-Proofing Trade Finance: The Role of  Tokenisation, Standards, and Collaboration by Saloi Benbaha</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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		<title>What do consumers think of banking apps?</title>
		<link>https://blog.cfte.education/what-do-consumers-think-of-banking-apps/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=what-do-consumers-think-of-banking-apps</link>
		
		<dc:creator><![CDATA[Paul Putscher]]></dc:creator>
		<pubDate>Fri, 31 Jul 2020 07:56:07 +0000</pubDate>
				<category><![CDATA[Open Banking]]></category>
		<category><![CDATA[CFTE Blog]]></category>
		<category><![CDATA[CFTE Research]]></category>
		<category><![CDATA[Challenger Bank]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Fintech]]></category>
		<category><![CDATA[mobile]]></category>
		<category><![CDATA[user experience]]></category>
		<guid isPermaLink="false">https://cfte.education/?p=14597</guid>

					<description><![CDATA[<p>In one of our previous articles, CFTE used the number of clicks taken to open a bank account as an &#8230; <a href="https://blog.cfte.education/what-do-consumers-think-of-banking-apps/" class="btn btn-readmore">Read More <span class="screen-reader-text"> "What do consumers think of banking apps?"</span></a></p>
<p>The post <a href="https://blog.cfte.education/what-do-consumers-think-of-banking-apps/">What do consumers think of banking apps?</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
]]></description>
										<content:encoded><![CDATA[
<p>In <a href="https://cfte.education/2020/06/10/the-importance-of-customer-experience-in-digital-banking/">one of our previous articles</a>, CFTE used the number of clicks taken to open a bank account as an indicator of the consumer experience at each bank. However, we recognise that a consumer often only opens a bank account once or at most a few times in a lifetime. Therefore, that may not be representative of the entire experience that a consumer may have. As a result, we are back again this time where we analyse the ratings of the various banking apps instead.&nbsp;</p>



<h5 class="wp-block-heading"><strong>Methodology</strong></h5>



<p>In order to come up with the results below, here are some of the methods which we adopted.</p>



<h4 class="wp-block-heading">Averaging</h4>



<p>We obtained the rating of the different banking applications from both Google Play and Apple Store. After which, we did an average of both the ratings obtained, coming up with our average rating for each banking app. Subsequently, in order to compare across countries and between challenger and incumbent banks, we took the average of all these average ratings.</p>



<h4 class="wp-block-heading">Apples-to-apples Comparison</h4>



<p>We recognise that each bank may have multiple apps targeting different kinds of consumers, catered to corporate banking and retail banking respectively. Therefore, for a fair comparison, we ensured that all the apps we looked at were for the everyday consumer. When there are more than one of such apps, we picked the one that was more popular in terms of usage.</p>



<figure class="wp-block-image size-large"><img decoding="async" width="1024" height="512" src="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-1024x512.png" alt="" class="wp-image-16060" srcset="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-1024x512.png 1024w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-300x150.png 300w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-768x384.png 768w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-1536x768.png 1536w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-12-2048x1024.png 2048w" sizes="(max-width: 1024px) 100vw, 1024px" /><figcaption><em>Figure 1: Overall overview</em></figcaption></figure>



<p>Here are all the banking apps that we have looked at, as well as their average rating. This time, we looked at a total of 23 banking apps across 7 countries. </p>



<h4 class="wp-block-heading"><strong>Comparison 1: Incumbent vs Challenger Banks</strong></h4>



<div class="wp-block-image"><figure class="aligncenter size-large is-resized"><img decoding="async" src="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-1024x655.png" alt="" class="wp-image-16059" width="512" height="328" srcset="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-1024x655.png 1024w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-300x192.png 300w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-768x491.png 768w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-1536x983.png 1536w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-copy-2048x1311.png 2048w" sizes="(max-width: 512px) 100vw, 512px" /><figcaption><em><em>Figure 2: Incumbents vs Challenger Banks</em></em></figcaption></figure></div>



<p>As expected, the challenger banks, being digital banks, have an overall higher rating than the incumbent banks. After all, they have no brick and mortar customer service counter that consumers can go to to settle their banking needs. It, therefore, makes sense that they need to ensure that the user experience in their banking app is smooth. As discussed in <a href="https://cfte.education/2020/07/21/can-challenger-banks-ever-replace-incumbent-banks-as-our-primary-bank-account/">our article last week</a>, a smooth user experience is also essential for such digital banks to build trust among their consumers.<br></p>



<p>However, directing your attention to Figure 1, we noticed that there are numerous incumbent banks who are doing as well, if not better, than some of the challenger banks too. Such banks include Bank of America, Wells Fargo, Lloyds and Barclays. It should not be discounted that there are indeed some incumbent banks who have successfully provided a smooth and delightful user experience for their consumers too. Other incumbent banks who are still lagging behind can <a href="https://www.barclays.co.uk/business-banking/business-insight/getting-ahead-of-the-competition/">look to learn from these banks</a>.&nbsp;<br></p>



<p>Based on our observations, incumbent banks tend to have multiple banking apps, sometimes without an obvious distinction between them. For instance, just the search of “DBS” in the App Store results in multiple banking apps popping out. Even when there is a clear distinction between the different apps, it is a hassle to the consumer for having to download multiple apps. On the other hand, challenger banks usually have a one-in-all app which may be more convenient for consumers. This could be something that incumbent banks can attempt to look into.</p>



<h4 class="wp-block-heading"><strong>Comparison 2: Across Countries</strong></h4>



<figure class="wp-block-image size-large is-resized"><img loading="lazy" decoding="async" src="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-1024x877.png" alt="" class="wp-image-16061" width="512" height="439" srcset="https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-1024x877.png 1024w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-300x257.png 300w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-768x658.png 768w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-1536x1315.png 1536w, https://blog.cfte.education/wp-content/uploads/2020/11/Viral-Visuals_Design-across-countrycomparison8-2048x1754.png 2048w" sizes="(max-width: 512px) 100vw, 512px" /><figcaption><em>Figure 3: Geographical Comparison</em></figcaption></figure>



<p>We also did a comparative analysis of the banking apps across different countries. The US and UK are leading in their ratings, followed by Singapore, Hong Kong then France Surprisingly, Singapore is no longer the first and in fact, quite a distance away from the US and UK. Whereas our previous research on <a href="https://cfte.education/2020/06/10/the-importance-of-customer-experience-in-digital-banking/">speed of onboarding</a> saw Singapore come out first, it seems that in this case, users of the Singapore banking apps are either less satisfied by the overall app experience or have very high expectations.</p>



<p>After all, ratings are ultimately dependent on consumers’ expectations. It is likely that there are varying expectations across consumers from different countries. This can be seen by how the same bank’s app for two different countries can receive very different ratings. For instance, referring to Figure 1, Citi US and City SG banking apps receive 4.75 and 3.65 average ratings respectively. The question to ask here then is: How can banks ensure that their banking apps better meet their consumers’ expectations? One possible way is that banks can look towards understanding their consumers’ needs through the use of open source data in order to better cater to them. This can be achieved through collaborations across different parties and banks, as seen in the whole upcoming trend of <a href="https://www.investopedia.com/terms/o/open-banking.asp#:~:text=Open%20banking%20is%20also%20known,application%20programming%20interfaces%20(APIs).">open banking</a>.</p>



<h4 class="wp-block-heading"><strong>Conclusion</strong></h4>



<p>Although incumbent banks are often blamed for their poor digital service, our analysis shows that users rank some banks very highly, even more than challenger banks. However, it appears that there are big geographic differences in terms of user satisfaction for bank apps, and it would be interesting to understand more the reasons behind &#8211; is it about app performance or user expectations?</p>



<p>While competition in the finance industry is only going to increase, such competition is likely going to push incumbents to be more innovative and consumer-centric. While challenger banks may be ahead now, they need to watch out too as incumbent banks are gradually catching up.</p>



<p><em>These topics are addressed in the </em><a href="https://my.cfte.education/bundles/fintech-specialisation"><em>Fintech specialisation</em></a><em> which covers the impact of technology in finance, the role of challenger banks, and the main technologies that are driving digital banking.</em></p>



<div class="wp-block-file aligncenter"><a href="https://cfte.education/2020/07/31/what-do-consumers-think-of-banking-apps/afi8h-new-brochure-2019-1/" target="_blank" rel="noreferrer noopener"><strong><em>Download CFTE Fintech Foundation Brochure</em></strong></a><a href="https://cfte.education/wp-content/uploads/2020/08/AFI8H-NEW-BROCHURE-2019-1.pdf" class="wp-block-file__button" download>Download</a></div>



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<p>View research&#8217;s <a href="https://docs.google.com/spreadsheets/d/1X3Qwld9B04W5IwaHpesKFEUWDjq0K56nq3Qj-m4nIOM/edit?usp=sharing">data</a>.</p>
<p>The post <a href="https://blog.cfte.education/what-do-consumers-think-of-banking-apps/">What do consumers think of banking apps?</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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		<item>
		<title>What is Fintech? And How it Transforms Financial Services</title>
		<link>https://blog.cfte.education/how-fintech-transforms-finance/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=how-fintech-transforms-finance</link>
		
		<dc:creator><![CDATA[cfteadmin]]></dc:creator>
		<pubDate>Thu, 03 Jan 2019 18:30:35 +0000</pubDate>
				<category><![CDATA[Fintech]]></category>
		<category><![CDATA[Around Fintech in 8 hours course]]></category>
		<category><![CDATA[CFTE Blog]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[fintech explained]]></category>
		<category><![CDATA[transformation]]></category>
		<category><![CDATA[what is fintech]]></category>
		<guid isPermaLink="false">https://www.cfte.education/?p=7817</guid>

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<p>The post <a href="https://blog.cfte.education/how-fintech-transforms-finance/">What is Fintech? And How it Transforms Financial Services</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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<h1 style="text-align: center;"><span style="font-size: 36px; color: #993300; font-family: Arial;">What is Fintech? And How it Transforms Financial Services</span></h1>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-7823 size-full" src="https://www.cfte.education/wp-content/uploads/2019/01/170511080409KVXW.jpg" alt="what is fintech transforms finance" width="750" height="500" /><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">As we’ve discussed </span><a href="https://www.cfte.education/2019/01/02/fintech-glossaries/"><span style="font-weight: 400;">previously</span></a><span style="font-weight: 400;"> on our blog, answering <strong>“What is Fintech?”</strong> requires some understanding of the emergence of the massively disruptive sector in finance. </span><a href="https://www.cfte.education/2019/01/02/fintech-glossaries/"><span style="font-weight: 400;">Strict academic and etymological definitions</span></a><span style="font-weight: 400;"> can prove useful, and much can be gained from the </span><a href="https://www.cfte.education/2019/01/02/what-is-fintech-explained/"><span style="font-weight: 400;">valuable insight of global thought leaders</span></a><span style="font-weight: 400;"> within Fintech itself. However, there is an</span> <span style="font-weight: 400;"><strong>equally vital importance</strong> in gaining a deeper understanding into “What is Fintech” through a manner that provides some context to the movement, and especially how Fintech transform financial services.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">In <strong>Module 1</strong> of <a href="http://bit.ly/2F5IyWZ">Around Fintech in 8 Hours</a>, our Fintech Foundation Course, CFTE co-founder Huy Nguyen Trieu goes to great lengths to stress that Fintech is at its essence about </span><span style="font-weight: 400;">the </span><i><span style="font-weight: 400;">“<strong>very intense transformation that technology is bringing to finance”</strong>.</span></i></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">This principle should inform all prospective students of Fintech to consider the value and scale of the transformation Fintech brings to finance. As Huy </span><a href="https://www.cfte.education/2019/01/02/what-is-fintech-explained/"><span style="font-weight: 400;">points out,</span></a><span style="font-weight: 400;"><strong> investment in Fintech startups increased almost tenfold between 2010 and 2016</strong>, from 2.5 to 23.6 billion dollars, confirming that the market has realised financial technology is not some far-off conceptual technology. The spread of innovation is here. And it’s affecting global financial markets in a major way already.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;"><strong>Andrei Kirilenko</strong>, </span><span style="font-weight: 400;">Director of the Centre for Global Finance and Technology at Imperial College London, said the following in <strong>Chapter 2</strong> of our foundation programme:</span></span></p>
<blockquote><p><span style="font-family: Arial;"><span style="font-weight: 400;">“One of the things that happened around the financial crisis is that three key technologies entered and come-to-be… These three technologies is what gave rise to Fintech: Mobile Phones; Blockchain; and Cloud Computing.”</span></span></p></blockquote>
<p><span style="font-family: Arial;">He expands on this, saying:</span></p>
<blockquote><p><span style="font-family: Arial;"><span style="font-weight: 400;">“They’re bringing the cost down; they’re changing business models and they’re turning finance into perhaps into something more like do-it-yourself finance where you become in control, you become in charge of your own financial needs. So finance is one of those bastions that is now being changed by Fintech innovations.”</span></span></p></blockquote>
<p><span style="font-family: Arial;"><span style="font-weight: 400;">Still need some convincing of how Fintech transforms financial services? Take a look at the </span><a href="https://www.cfte.education/2018/12/20/importance-fintech-career/"><span style="font-weight: 400;">growing importance of Fintech in a finance career</span></a><span style="font-weight: 400;">, or how there was </span><a href="https://www.cfte.education/2018/12/18/fintech-summary-2018/"><span style="font-weight: 400;">more money than ever raised in Fintech in 2018</span></a><span style="font-weight: 400;">.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">Additionally, we offer numerous resources to help you learn more about Fintech’s core concepts. We always encourage professionals, and those looking to enter the industry, to learn to speak the new language of finance first. This means an accessible and comprehensive programme that matches the rigors of the industry and provides a solid foundational background of the sector. Our Fintech Foundation Course – </span><a href="http://bit.ly/2F5IyWZ"><span style="font-weight: 400;">Around Fintech in 8 Hours</span></a><span style="font-weight: 400;"> – provides these aspects in a clear framework with no prerequisites and is taught by those building this new world of Fintech!</span></span><br />
<strong><span style="font-family: Arial;">Also, for the latest developments and events in Fintech, feel free to subscribe to our free newsletters below!</span></strong><br />
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<h1 style="text-align: center;"><span style="font-size: 36px; color: #993300; font-family: Arial;">What is Fintech? And How it Transforms Financial Services</span></h1>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-7823 size-full" src="https://www.cfte.education/wp-content/uploads/2019/01/170511080409KVXW.jpg" alt="what is fintech transforms finance" width="750" height="500" /><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">As we’ve discussed </span><a href="https://www.cfte.education/2019/01/02/fintech-glossaries/"><span style="font-weight: 400;">previously</span></a><span style="font-weight: 400;"> on our blog, answering <strong>“What is Fintech?”</strong> requires some understanding of the emergence of the massively disruptive sector in finance. </span><a href="https://www.cfte.education/2019/01/02/fintech-glossaries/"><span style="font-weight: 400;">Strict academic and etymological definitions</span></a><span style="font-weight: 400;"> can prove useful, and much can be gained from the </span><a href="https://www.cfte.education/2019/01/02/what-is-fintech-explained/"><span style="font-weight: 400;">valuable insight of global thought leaders</span></a><span style="font-weight: 400;"> within Fintech itself. However, there is an</span> <span style="font-weight: 400;"><strong>equally vital importance</strong> in gaining a deeper understanding into “What is Fintech” through a manner that provides some context to the movement, and especially how Fintech transform financial services.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">In <strong>Module 1</strong> of <a href="http://bit.ly/2F5IyWZ">Around Fintech in 8 Hours</a>, our Fintech Foundation Course, CFTE co-founder Huy Nguyen Trieu goes to great lengths to stress that Fintech is at its essence about </span><span style="font-weight: 400;">the </span><i><span style="font-weight: 400;">“<strong>very intense transformation that technology is bringing to finance”</strong>.</span></i></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">This principle should inform all prospective students of Fintech to consider the value and scale of the transformation Fintech brings to finance. As Huy </span><a href="https://www.cfte.education/2019/01/02/what-is-fintech-explained/"><span style="font-weight: 400;">points out,</span></a><span style="font-weight: 400;"><strong> investment in Fintech startups increased almost tenfold between 2010 and 2016</strong>, from 2.5 to 23.6 billion dollars, confirming that the market has realised financial technology is not some far-off conceptual technology. The spread of innovation is here. And it’s affecting global financial markets in a major way already.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;"><strong>Andrei Kirilenko</strong>, </span><span style="font-weight: 400;">Director of the Centre for Global Finance and Technology at Imperial College London, said the following in <strong>Chapter 2</strong> of our foundation programme:</span></span></p>
<blockquote><p><span style="font-family: Arial;"><span style="font-weight: 400;">“One of the things that happened around the financial crisis is that three key technologies entered and come-to-be… These three technologies is what gave rise to Fintech: Mobile Phones; Blockchain; and Cloud Computing.”</span></span></p></blockquote>
<p><span style="font-family: Arial;">He expands on this, saying:</span></p>
<blockquote><p><span style="font-family: Arial;"><span style="font-weight: 400;">“They’re bringing the cost down; they’re changing business models and they’re turning finance into perhaps into something more like do-it-yourself finance where you become in control, you become in charge of your own financial needs. So finance is one of those bastions that is now being changed by Fintech innovations.”</span></span></p></blockquote>
<p><span style="font-family: Arial;"><span style="font-weight: 400;">Still need some convincing of how Fintech transforms financial services? Take a look at the </span><a href="https://www.cfte.education/2018/12/20/importance-fintech-career/"><span style="font-weight: 400;">growing importance of Fintech in a finance career</span></a><span style="font-weight: 400;">, or how there was </span><a href="https://www.cfte.education/2018/12/18/fintech-summary-2018/"><span style="font-weight: 400;">more money than ever raised in Fintech in 2018</span></a><span style="font-weight: 400;">.</span></span><br />
<span style="font-family: Arial;"><span style="font-weight: 400;">Additionally, we offer numerous resources to help you learn more about Fintech’s core concepts. We always encourage professionals, and those looking to enter the industry, to learn to speak the new language of finance first. This means an accessible and comprehensive programme that matches the rigors of the industry and provides a solid foundational background of the sector. Our Fintech Foundation Course – </span><a href="http://bit.ly/2F5IyWZ"><span style="font-weight: 400;">Around Fintech in 8 Hours</span></a><span style="font-weight: 400;"> – provides these aspects in a clear framework with no prerequisites and is taught by those building this new world of Fintech!</span></span><br />
<strong><span style="font-family: Arial;">Also, for the latest developments and events in Fintech, feel free to subscribe to our free newsletters below!</span></strong><br />
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/>
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<p>The post <a href="https://blog.cfte.education/how-fintech-transforms-finance/">What is Fintech? And How it Transforms Financial Services</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
]]></content:encoded>
					
		
		
			</item>
		<item>
		<title>Advice From An Innovator Turned Educator, Derek Ariss &#8211; CFTE Blog</title>
		<link>https://blog.cfte.education/advice-from-an-innovator-turned-educator/?utm_source=rss&#038;utm_medium=rss&#038;utm_campaign=advice-from-an-innovator-turned-educator</link>
					<comments>https://blog.cfte.education/advice-from-an-innovator-turned-educator/#respond</comments>
		
		<dc:creator><![CDATA[cfteadmin]]></dc:creator>
		<pubDate>Mon, 09 Apr 2018 09:33:34 +0000</pubDate>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[cfte]]></category>
		<category><![CDATA[CFTE Blog]]></category>
		<category><![CDATA[Dan Liebau]]></category>
		<category><![CDATA[Derek Ariss]]></category>
		<category><![CDATA[education]]></category>
		<category><![CDATA[Financial services]]></category>
		<category><![CDATA[Fintech]]></category>
		<category><![CDATA[Innovation]]></category>
		<category><![CDATA[Lightbulb Capital]]></category>
		<category><![CDATA[Mindset]]></category>
		<guid isPermaLink="false">http://www.cfte.education/blog/?p=1220</guid>

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<p>The post <a href="https://blog.cfte.education/advice-from-an-innovator-turned-educator/">Advice From An Innovator Turned Educator, Derek Ariss &#8211; CFTE Blog</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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<h2>Advice From An Innovator Turned Educator, Derek Ariss</h2>
<p><span style="font-size: 14pt; font-family: arial, helvetica, sans-serif;">One of the main challenges facing many organisations within the FS industry is how to successfully innovate in an age where new technologies like Ai, Big data and blockchain are disrupting traditional business models. That&#8217;s why we&#8217;re pleased to have Derek Ariss join us for this week&#8217;s expert perspective. </span><br />
<span style="font-size: 14pt; font-family: arial, helvetica, sans-serif;"><strong>Derek has extensive experience driving innovation at companies spanning numerous industries.</strong> Now, he is working together with <a href="https://medium.com/the-centre-for-finance-technology-and-entrepreneur/why-we-went-around-the-world-looking-for-fintech-instructors-369022a5d047">Dan Liebau</a> at Lightbulb Capital to help organisations within the financial services find new ways to innovate and in the process create new sources of value.</span></p>
<h2><span style="font-family: arial, helvetica, sans-serif;">The Expert Perspective with Derek Ariss</span></h2>
<h3><img loading="lazy" decoding="async" class="aligncenter wp-image-1221 size-full" src="http://www.cfte.education/blog/wp-content/uploads/2018/04/derik-ariss.jpeg" alt="Profile picture of Derek Ariss" width="275" height="275" /></h3>
<p style="text-align: center;"><span style="font-family: arial, helvetica, sans-serif;">Derek Ariss, Head of Innovation Education at Lightbulb Capital</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">Could you introduce yourself?</span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Hi there. I am Head of Innovation Education at Lightbulb Capital and am responsible for building the education practice, focusing on creativity, design thinking, technology, culture and mindset conducive to innovation in finance.</span><br />
<span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Prior to this, I was the Head of Innovation at <a href="https://www.lendlease.com/uk/" target="_blank" rel="noopener noreferrer" data-cke-saved-href="https://www.lendlease.com/uk/">LendLease</a>. I was responsible for designing processes to deliver improved products and systems, nurturing a culture of innovation in Asia, and developing productive relationships with organisations that focus on innovation and growth.</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">How do you see finance in 10 years?</span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">I see the finance being an exciting environment filled with opportunity and challenges, especially in the innovation space. Opportunity because we have an incredible number of tools, data, and technology to drive finance in the future and make it accessible to everyone.</span><br />
<span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Challenges because as we have these opportunities we need to be able to imagine, change, adapt and learn quicker than we have ever done in the past be it in Leadership, Physical and Mental Environments, our Emotional Drivers or our Systems and Processes. This means major changes are needed, in mindset, and learning.</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">A company you like in Fintech?</span></strong></h3>
<p><span style="font-size: 14pt; font-family: arial, helvetica, sans-serif;">In the Fintech Space, I like an AI company called <a href="http://www.taiger.com/" data-cke-saved-href="http://www.taiger.com/">Taiger</a>. Taiger is a high tech-software vendor specialised in providing knowledge worker automation solutions into Financial Institutions, Insurance and governments.</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">Your best advice for someone working in the finance industry: how do they start to build their Fintech skillset?</span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">There is a lot of literature talking about Technology and how it impacts Finance, however…</span><br />
<span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">I would say <strong>you need to start with having a Growth Mindset</strong> to learn and put thoughts and ideas together. The future and Fintech will bring a lot of change. People don’t handle change well, and yet we need to know how to deal and learn from it. A lot of those changes will be driven by innovation in the areas of use of data, applying technology and interfacing with our lives.</span><br />
<span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">So, an understanding of how innovation works and the mechanics and cultural aspects is very helpful. And then a good overview of the Fintech industry helps e.g. the CFTE program can give you that overview. Put together the right Mindset, the right Background, and an understanding of the innovation process is a good start.</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">Could you share an interesting article, piece of content, blog post you have read recently?</span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Before I joined Lightbulb Capital a few months ago, I was going through their LinkedIn posts to understand a bit more about the company and I found a posting that I keep referring to. It’s a hitlist of good books to read on innovation, technology, design and thinking. I like it because it’s a manageable, informative and well thought out set of reference materials that will keep you reading, learning and thinking. <a href="https://www.linkedin.com/pulse/lightbulb-capitals-h2-2017-reading-list-innovation-finance-dan-liebau/">You can read it here</a>.</span></p>
<h3><strong><span style="font-family: arial, helvetica, sans-serif;">A source of knowledge for our readers that would help them on their journey to adapting to Fintech disruption. </span></strong></h3>
<p><span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">I’ve talked a lot about mindset and I think the book <a href="https://www.amazon.co.uk/Mindset-How-Fulfil-Your-Potential/dp/1780332009">“Mindset” by Dr Carol Dweck</a> is a fantastic reference tool. With so much change impacting us it’s good to know we all have the ability to learn and thrive in the future. Nothing is easily done, but with the right leadership, environment, and attitude we can always continue to work, grow and develop.</span><br />
<span style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Enjoy more <a href="http://www.cfte.education/blog/category/the-expert-perspective/">expert views on disruption in finance here.</a></span></p>
<h3><strong style="font-family: arial, helvetica, sans-serif; font-size: 14pt;">Receive CFTE&#8217;s weekly Newsletter with The Expert Perspective straight to your inbox:</strong></h3>
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<p>The post <a href="https://blog.cfte.education/advice-from-an-innovator-turned-educator/">Advice From An Innovator Turned Educator, Derek Ariss &#8211; CFTE Blog</a> appeared first on <a href="https://blog.cfte.education">CFTE</a>.</p>
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