Bankloch

Last week I had the chance to attend the yearly " Digital Finance Summit " conference in Brussels. After a pure digital event last year, the event was a hybrid event this year, which allows to network in a much more effective way. Such conferences are always an excellent way to get inspired and take a step back from your daily work to get a better feeling of the bigger picture.  A number of trends which were already strongly present in the last 2 editions were also a focus area this year, i.e. The evolution from disruptive Fintechs to  partnerships and ecosystems , where Fintechs no longer compete directly against incumbent banks and insurers, but instead try to partner with them to give the best possible user experience. The evolution of  Opening up data and services to third-parties  is strongly linked to this (i.e. no partnerships possible without at least a minimum of integration). This trend was started with PSD2, but is being extended to other data in the banking and in