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Joris Lochy - Product Manager at Intix | Co-founder at Capilever - Member of Finextra Research
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href="/bloggers/92058" id="ctl00_ctl00_body_bodyLevel_ViewHead_aProfile" aria-label="link to user profile: Joris Lochy"> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dHeadshot" class="profile-user-details-profileimage blue-tick blue-tick-user-profile" style="background-image: url("/finextra-images/member_photos/thumb_92058_joris_lochy.jpg");"> <div class="profile-user-details-profileimage-buttons"> </div> <div class="profile-user-details-profileimage-buttons"></div><div class="blue-tick-svg"></div></div> </a> <div class="profile-user-details-profileimage-user-profile-buttons"> <a id="ctl00_ctl00_body_bodyLevel_ViewHead_bFollow" class="button button-small button-icon-left button-secondary follow-author " href="/community/login.aspx?returnurl=%2fcommunity%2fprofile.aspx%3fusername%3d92058" href="javascript:__doPostBack('ctl00$ctl00$body$bodyLevel$ViewHead$bFollow','')"> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionFollow-1.svg'); mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionFollow-1.svg');"></span> <span class="button-text">Follow</span> </a> <a id="ctl00_ctl00_body_bodyLevel_ViewHead_bUnFollow" class="button button-small button-icon-left button-secondary unfollow-author d-none" href="javascript:__doPostBack('ctl00$ctl00$body$bodyLevel$ViewHead$bUnFollow','')"> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionUnFollow-1.svg'); mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionUnFollow-1.svg');"></span> <span class="button-text">Unfollow</span> </a> </div> <h2 class="profile-user-details-name">Joris Lochy</h2> <div class="profile-user-details-jobtitle">Product Manager at Intix | Co-founder</div> <div class="profile-user-details-company">Capilever</div> <!--<div class="profile-user-details-buttons"></div>--> <div class="profile-user-details-memberstats"> <div class="article-authorDetails-postStats"> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-postStat-title">Member since</div> <div class="article-authorDetails-postStat-desc">05 Apr 2017</div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-postStat-title">Location</div> <div class="article-authorDetails-postStat-desc">Brussels</div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Followers</div> <div class="article-authorDetails-postStat-desc">6</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Following</div> <div class="article-authorDetails-postStat-desc">0</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Opinions</div> <div class="article-authorDetails-postStat-desc">137</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Long reads</div> <div class="article-authorDetails-postStat-desc">0</div> </div> </div> </div> </div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowerDetails" class="profile-user-details-followed-by d-none"> <div class="profile-followed-by"> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowerImages" class="profile-followed-by--profile-image-container"> </div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowedBy" class="profile-followed-by--summary-container"> Followed by John Sims, Martha Boyle and 5 others you follow </div> </div> </div> <div class="profile-user-details-buttons"> </div> </div> <!-- END: Profile - User details section --> <!-- START: Profile - User bio section --> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dBio" class="profile-user-bio"> <h3 class="profile-user-bio-heading">Bio</h3> <div class="profile-user-bio-content">Independent Product Management Consultant, helping customers in the Fintech space to innovate, i.e. from ideation to conceptualization to implementation, taking on different roles and responsibilities (business analysis, functional and technical design, solution architecture and project management).</div> <div class="profile-user-bio-buttons"> </div> </div> <!-- END: Profile - User bio section --> <!-- START: Profile - User experience section --> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dExperience" class="profile-user-experience"> <h3 class="profile-user-experience-heading">Experience</h3> <div class="profile-user-experience-summary"> <h4 class="h5 profile-user-experience-summary-heading">Summary</h4> <div class="profile-user-experience-summary-content">Active in the financial services industry, since 2003:<br />- 8 years at Accenture<br />- 3 years at CSC<br />- 3 years at Deutsche Bank<br />- 3.5 years at The Glue<br />- 4.5 years at Monizze</div> <div class="profile-user-experience-summary-buttons"> </div> </div> </div> <!-- START: Profile - User latest opinions section --> <div class="profile-latest-opinions"> <h3 class="profile-latest-opinions-heading">Latest opinions</h3> <div class="profile-latest-opinions-content"> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_hTitle" aria-label="Read article: Streamlining Task Management: Can One Tool Fit All?" href="/blogposting/27231/streamlining-task-management-can-one-tool-fit-all">Streamlining Task Management: Can One Tool Fit All?</a> </h3> <p class="card-text"> Throughout my career, working in both financial institutions and fintech companies, one consistent theme has been the use of "Task Managers" (or "Case Managers"). At their core, these systems function as task inboxes, assigned to one or more employees and often following a structured workflow. Despite their importance, you mig </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-11-19 07:56:57Z">19 November 2024</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Banking Strategy, Digital and Transformation" href="/community-group/93/banking-strategy-digital-and-transformation">Banking Strategy, Digital and Transformation</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_hTitle" aria-label="Read article: Financial Institutions as Partners for Life-Altering Events Like Buying a Home" href="/blogposting/27096/financial-institutions-as-partners-for-life-altering-events-like-buying-a-home">Financial Institutions as Partners for Life-Altering Events Like Buying a Home</a> </h3> <p class="card-text"> Life is full of significant milestones that often occur just once or twice in a lifetime. These milestones鈥攚hile life-changing鈥攁re also highly complex to manage from both an administrative and financial perspective. The challenge stems from their unfamiliarity, as most people only experience them a handful of times. As a result, the process is n </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-29 07:25:59Z">29 October 2024</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Banking Strategy, Digital and Transformation" href="/community-group/93/banking-strategy-digital-and-transformation">Banking Strategy, Digital and Transformation</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_hTitle" aria-label="Read article: Building Wealth for Everyone: How Banks Can Democratize Recurring, Low-Cost, Long-Term Investing" href="/blogposting/27063/building-wealth-for-everyone-how-banks-can-democratize-recurring-low-cost-long-term-investing">Building Wealth for Everyone: How Banks Can Democratize Recurring, Low-Cost, Long-Term Investing</a> </h3> <p class="card-text"> Active investing is challenging, often yielding less-than-desired results for the average investor. While professional investors with access to advanced tools, up-to-the-minute market information, and complex models might occasionally beat the market, for most of us, that鈥檚 a near-impossible feat. The efficiency of markets today means that any pu </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-10-21 21:50:17Z">21 October 2024</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech" href="/community-group/83/fintech">Fintech</a> </p> </div> </div> </div> </div> </div> <div class="profile-latest-opinions-buttons"> <a href="/community/live-opinions/92058" id="ctl00_ctl00_body_bodyLevel_Latest3_aAll">See all 137 opinions by Joris</a> </div> </div> <div class="profile-comments"> <h3 class="profile-comments-heading">Latest comments</h3> <div class="profile-comments-content"> <div class="card card--post-small card--post-small--in-user-profile card--user-profile-comment no-post-img"> <div class="row"> <div class="card-header-container"> <div class="card-article-link"> <a href="/blogposting/26100/trade-offs-are-inevitable-in-software-delivery---remember-the-cap-theorem" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_aArticle" aria-label="read article: Trade-offs Are Inevitable in Software Delivery - Remember the CAP Theorem">Trade-offs Are Inevitable in Software Delivery - Remember the CAP Theorem</a> </div> </div> </div> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_hiBlogger"> <img src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" class="card-img-round"></img></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <span class="card-text"> <p>Thanks for the feedback. Indeed, you are absolutely right. As long as top management is not aware of certain necessary trade-offs, it will be impossible for analysts & architects to correctly do their job. But I hope my blog can bring maybe a little bit (not making too much illusions either :-)) of idea, that technology is always a matter of making trade-offs.</p> </span> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-05-02 20:23:49Z">02 May 2024 20:23</time> <a href="/blogposting/26100/trade-offs-are-inevitable-in-software-delivery---remember-the-cap-theorem#comments" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_aComment" class="card-readcomment-link" aria-label="link to read comment">Read comment</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--user-profile-comment no-post-img"> <div class="row"> <div class="card-header-container"> <div class="card-article-link"> <a href="/blogposting/26090/the-rise-of-the-financial-super-app" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl01_aArticle" aria-label="read article: The rise of the financial super app">The rise of the financial super app</a> </div> </div> </div> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl01_hiBlogger"> <img src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" class="card-img-round"></img></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <span class="card-text"> <p>Thanks for sharing this blog. Very interesting.<br> Might be interesting to have a look at a blog I wrote about 4 years ago: https://www.finextra.com/blogposting/19211/from-app-to-super-app-to-personal-assistant, also about the super-apps.</p> </span> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2024-04-29 22:25:28Z">29 Apr 2024 22:25</time> <a href="/blogposting/26090/the-rise-of-the-financial-super-app#comments" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl01_aComment" class="card-readcomment-link" aria-label="link to read comment">Read comment</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--user-profile-comment no-post-img"> <div class="row"> <div class="card-header-container"> <div class="card-article-link"> <a href="/blogposting/25297/the-unseen-backbone-of-banking-a-deep-dive-into-matching-and-reconciliation" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl02_aArticle" aria-label="read article: The Unseen Backbone of Banking: A Deep Dive into Matching and Reconciliation">The Unseen Backbone of Banking: A Deep Dive into Matching and Reconciliation</a> </div> </div> </div> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl02_hiBlogger"> <img src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" class="card-img-round"></img></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <span class="card-text"> <p>If the payment amount is not matching in full with the invoice for a legitimate reason, it can still not be handled by the structured comment, but it should be possible for the matching to correctly handle this (and expect / anticipate this). <br> If invoice indicates that 80% should be paid on delivery and 20% on installation, it is possible to use 2 times the same structured comment, but obviously you will expect then 2 payments on different payment dates. </p> </span> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2023-12-07 21:23:37Z">07 Dec 2023 21:23</time> <a href="/blogposting/25297/the-unseen-backbone-of-banking-a-deep-dive-into-matching-and-reconciliation#comments" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl02_aComment" class="card-readcomment-link" aria-label="link to read comment">Read comment</a> </p> </div> </div> </div> </div> </div> <div class="profile-comments-buttons"> <a href="/community/live-comments/92058" id="ctl00_ctl00_body_bodyLevel_LatestComments_aAll">See all 19 comments by Joris</a> </div> </div> </div> </div> <div class="col-12 col-md-8 offset-md-4 col-xl-2 offset-xl-0"> <div class="profile-user--sidebar-container"> <div class="profile-sidebar--container"> <div class="profile-sidebar--content"> <!-- START: Profile - 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Opinion archive section --> <div class="profile-sidebar--section"> <h4 class="profile-sidebar--section--heading">Joris's opinion archive</h4> <div class="profile-sidebar--section--content"> <div class="profile-list style--archive"> <ul id="ctl00_ctl00_body_bodyLevel_ArchiveByYear_uBlogs"> <li><a href="/community/live-opinions/92058?year=2024">2024 (23)</a></li><li><a href="/community/live-opinions/92058?year=2023">2023 (23)</a></li><li><a href="/community/live-opinions/92058?year=2022">2022 (13)</a></li><li><a href="/community/live-opinions/92058?year=2021">2021 (16)</a></li><li><a href="/community/live-opinions/92058?year=2020">2020 (35)</a></li><li><a href="/community/live-opinions/92058?year=2019">2019 (14)</a></li><li><a href="/community/live-opinions/92058?year=2017">2017 (1)</a></li></ul> </div> </div> <div class="profile-sidebar--section--buttons"></div> </div> <!-- START: Profile - Reads section --> <div class="profile-sidebar--section"> <h4 class="profile-sidebar--section--heading">Joris reads</h4> <div class="profile-sidebar--section--content"> <div class="profile-list style--archive type--reads"> <ul id="ctl00_ctl00_body_bodyLevel_ReadsAbout_uReads"> <li><a href="https://www.capilever.com/" rel="nofollow" target="_blank">Capilever</a></li><li><a href="https://bankloch.blogspot.com/" rel="nofollow" target="_blank">Bankloch Blog</a></li></ul> </div> </div> <div class="profile-sidebar--section--buttons"></div> </div> </div> </div> <div class="profile-sidebar--container"> <div class="profile-sidebar--content"> <!-- START: Profile - 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