Weekly Research Highlights – 1 June 2021

Dive into the newest figures on the topic of AI, payments, data utilization, financial health, digital banking and more! Absorb the latest insights from fintech and stay up to date with current developments!

Generation Z: Their payments are our future (Fintech Talents)

This paper explores the banking and payments journey Gen Zers are currently making, and what lessons or trends can be identified for the future. It also concludes with a set of recommendations about what fintechs and banks should do to build the user experience of the future. As in the coming years, Gen Z will become the next generation of supershoppers. Along with Millennials, they will soon make up a large proportion of core consumers globally. Read more

Building the AI bank of the future (

This report indicates that building the AI bank of the future will allow institutions to innovate faster, compete with digital natives in building deeper customer relationships at scale, and achieve sustainable increases in profits and valuations in this new age. Across more than 25 use cases, it is concluded that AI technologies can help boost revenues through increased personalization of services to customers (and employees); lower costs through efficiencies generated by higher automation, reduced errors rates, and better resource utilization; and uncover new and previously unrealized opportunities based on an improved ability to process and generate insights from vast troves of data. Read more

The smart data challenge: How are financial services firms using data to drive innovation and keep up with the digital disruptors? (FSTech)

Results of this study show that fintech services providers are well aware of the opportunities offered by data-driven technologies including AI, machine learning and advanced analytics. However, data governance issues including access to disparate data sources, legacy technology and data transparency is proving a major problem, while data privacy and security risk are also emerging as key pain points on the journey to both data and cloud transformation. Read more

World FinTech Report 2021 (

Covering banking in the FinTech era, the World FinTech Report 2021 explores how successful fintechs have breached the profitability barrier and analyzes alternative options for banks to alleviate the competitive threat. Read more

200+ female VC partners in Europe: the complete list (

This article has compiled a comprehensive list of Europe’s 200+ female VC partners. While European VCs continue to raise larger and larger funds, the number of women who have been promoted or hired to senior investment positions remains marginally low. The most recent survey by the British Venture Capital Association found that women held just 13% of senior investment roles in VC firms in the UK, while a study on funding in the CEE region found that 81% of funds in the region had no female general partners. Read more

TFT Consumer Research Report on Financial Health (Think Forward Initiative)

The TFI Consumer Research on Financial Health shows that the majority of Europeans believe their financial health has been unaffected by the pandemic despite perceiving their wider nations as suffering more. The survey was conducted amongst 8000 Europeans in eight countries. Next to the perception of financial health, it dives into people’s ability to get a grip on their finances, the effects of financial distress and ways people learn about personal finances. Read more

The Future of Digital Banking in the UK 2021 (Finextra)

While emerging technology has been leveraged by banking leaders and incremental progress has been made in business-led areas, the modernisation of banking must remain as an evolving journey. To find the right approach, UK banks must ask themselves: what does the digital operating model look like to make this constant innovation sustainable? The report includes insights from Atom bank, Coventry Building Society, First direct, HSBC, Investec, Lloyds Banking Group, Nationwide, NatWest, OakNorth, Standard Chartered, Tandem Bank, and Yorkshire Building Society. Read more


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