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times</strong></span></a></p> <p><img class="alignright wp-image-4583" style="margin-right: 140px; margin-left: -30px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling.jpg" alt="" width="90" height="85" srcset="https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling.jpg 1389w, https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling-300x281.jpg 300w, https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling-768x720.jpg 768w, https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling-1024x961.jpg 1024w" sizes="(max-width: 90px) 100vw, 90px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">25 May 2023</span></p> <p>In these times of high inflation investing your excess money (wisely) is crucial to avoid losing purchasing power. In our next blog, find out how Capilever software can make investing more transparent and intuitive… <a href="https://www.capilever.com/blog-32/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-32/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-31/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Problematic debt – A big taboo in search for a Fintech solution</strong></span></a></p> <p><img class="alignright wp-image-4573" style="margin-right: 130px; margin-left: -20px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2023/05/Problematic-Debt.jpg" alt="" width="108" height="152" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">28 April 2023</span></p> <p>Taking on debt is not necessarily a bad thing, especially when debt is used to generate wealth, but in the current cost of living crisis, debt can easily spiral out of control. With an ever-increasing number of people struggling to pay off their bills and debts, problematic debt is a major concern… <a href="https://www.capilever.com/blog-31/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-31/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-30/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>2022 market review for tackling financial stress</strong></span></a></p> <p><img class="alignright wp-image-4549" style="margin-right: 120px; margin-left: -15px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress.png" alt="" width="108" height="152" srcset="https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress.png 465w, https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress-213x300.png 213w" sizes="(max-width: 108px) 100vw, 108px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">8 January 2023</span></p> <p>What do Wise, Curve, Qover, Monese and Capilever have in common? Besides being Fintechs active in the financial services sector you will probably say not that much, but when you look at their recent product announcements you can see a common focus, which is on removing financial stress… <a href="https://www.capilever.com/blog-30/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-30/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-29/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Examples how to better guide customers in home loan decisions</strong></span></a></p> <p><img class="alignright wp-image-4537" style="margin-right: 105px; margin-left: 0px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2022/11/Capilever-More-guidance-in-home-loan-decisions-blog.jpg" alt="" width="136" height="125" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">9 November 2022</span></p> <p>The decision to buy or renovate a home, is for most people the most important financial decision in their life. Not only are the involved amounts 10 to 100 times higher than most other financial decisions, there are also many decision factors to consider. Nowadays most banking clients only make a conscious decision about the tip of the iceberg… <a href="https://www.capilever.com/blog-29/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-29/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-28/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>A Roadmap for Hyper-Personalized Lending</strong></span></a></p> <p><img class="alignright wp-image-4509" style="margin-right: 105px; margin-left: 0px; margin-top: 10px;" src="https://www.capilever.com/wp-content/uploads/2022/06/HyperPersonalized-lending.jpg" alt="" width="136" height="125" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 June 2022</span></p> <p>In previous blogs, we have raised the concern that loans in general and mortgages in particular have become too much of a commodity product, for which price is nearly the only differentiator. Many customers are however unaware that the loan with the best price or interest rate may not necessarily be the best option for their specific situation… <a href="https://www.capilever.com/blog-28/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-28/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-27/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Asset-based lending for SMEs – An underappreciated form of company funding</strong></span></a></p> <p><img class="alignright wp-image-4496" style="margin-right: 105px; margin-left: 10px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL.jpg" alt="" width="136" height="125" srcset="https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL.jpg 1281w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-300x277.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-768x708.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-1024x944.jpg 1024w" sizes="(max-width: 136px) 100vw, 136px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">20 October 2021</span></p> <p>Most SMEs have significant cash tied up in assets, like inventory, machines, equipment, real estate or financial assets. Using these assets in an easy and flexible way for lending could unlock huge liquidity amounts… <a href="https://www.capilever.com/blog-27/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-27/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-26/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit trends (2021 update)</strong></span></a></p> <p><img class="alignright wp-image-4477" style="margin-right: 65px; margin-left: 50px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update.jpg" alt="" width="180" srcset="https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update.jpg 2233w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-300x247.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-768x634.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-1024x845.jpg 1024w" sizes="(max-width: 2233px) 100vw, 2233px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">6 September 2021</span></p> <p>At Capilever we closely follow innovations and evolutions in the credit space. While many financial players are investing heavily in transforming the credits domain, the financing products themselves have not changed significantly in the last few decades. Here we discuss some new trends and propose some new credit types… <a href="https://www.capilever.com/blog-26/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-26/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-25/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Understanding your customer’s needs is the cornerstone of customer centricity</strong></span></a></p> <p><img class="alignright wp-image-4446" style="margin-right: 55px; margin-left: 0px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs.jpg" alt="" width="240" srcset="https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs.jpg 1108w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-300x108.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-768x277.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-1024x370.jpg 1024w" sizes="(max-width: 1108px) 100vw, 1108px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">7 July 2021</span></p> <p>Customers are often lost in the many products their bank has to offer. In addition they don’t always know themselves what their real financial needs are, and welcome some guidance from their bank. In this article we propose a 4-step roadmap towards more customer centricity in the credits domain … <a href="https://www.capilever.com/blog-25/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-25/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-24/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>5 Capilever software tools that radically rethink financial products from their core</strong></span></a></p> <p><img class="alignright wp-image-4124" style="margin-right: 95px; margin-left: 35px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings.jpg" alt="" width="142" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings.jpg 455w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings-300x292.jpg 300w" sizes="(max-width: 455px) 100vw, 455px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">17 May 2021</span></p> <p>Over the past 5 years, banking has been transformed from a risk-averse, very conservative sector to one of the fastest moving and innovating sectors in the world. Unfortunately most of these evolutions focus on innovating the user interaction with the banking channels or with financial products or services, rather than improving the products or services themselves … <a href="https://www.capilever.com/blog-24/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-24/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-23/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Identifying the customer needs before traditional credit origination</strong></span></a></p> <p><img class="alignright wp-image-4111" style="margin-right: 75px; margin-left: 55px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs.jpg" alt="" width="182" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs.jpg 1000w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs-300x172.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs-768x440.jpg 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">14 March 2021</span></p> <p>In a world of hyper-personalization and customer-centricity, customers are expecting their banks to provide solutions to their needs, rather than having to find, buy and compose different financial products and services themselves. Capilever FINE guides customers towards the right products, including products they might never have thought about … <a href="https://www.capilever.com/blog-23/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-23/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-22/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Banks can help you build your path to financial freedom</strong></span></a></p> <p><img class="alignright wp-image-4108" style="margin-right: 75px; margin-left: 55px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom.jpg" alt="" width="142" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom.jpg 812w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom-300x287.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom-768x735.jpg 768w" sizes="(max-width: 812px) 100vw, 812px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">15 January 2021</span></p> <p>Despite significant efforts of schools and media to give more attention to financial skills, the level of financial literacy in the general population remains low. In this blog we explain some techniques implemented in the Capilever software that make it more simple for bank customers to understand their finances and financial health, ultimately enabling them to make more informed decisions and act more autonomously … <a href="https://www.capilever.com/blog-22/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-22/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-21/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How banks and insurers increasingly push risks towards their customers</strong></span></a></p> <p><img class="alignright wp-image-4103" style="margin-right: 100px; margin-left: 50px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks.jpg" alt="" width="132" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks.jpg 990w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks-300x277.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks-768x708.jpg 768w" sizes="(max-width: 990px) 100vw, 990px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 November 2020</span></p> <p>There is a trend within financial institutions to push risks towards their customers. This trend is driven by the market (high volatility on the stock market and the low interest rates), by regulators (imposing higher capital requirements) and by customers (wanting lower prices, higher returns and more personalized services) … <a href="https://www.capilever.com/blog-21/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-21/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-20/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Improving traditional credit scoring with a forward-looking approach</strong></span></a></p> <p><img class="alignright wp-image-4079" style="margin-right: 90px; margin-left: 40px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/10/Blog-Committed-credit-exposure.jpg" alt="" width="152" height="157" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">28 October 2020</span></p> <p>Credit history checks and national registers allow protecting customers against excessive debt. These checks however should be complemented by an “Affordability Check”, based on your current and expected financial situation. In this blog we explain how such an affordability check allows to be forward looking, instead of backward looking (i.e. traditionally looking only at your credit history) … <a href="https://www.capilever.com/blog-20/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-20/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-19/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>More flexibility in business loans – No unnecessary luxury</strong></span></a></p> <p><img class="alignright wp-image-4064" style="margin-right: 90px; margin-left: 40px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/10/Blog-Flexibility-SME-lending.jpg" alt="" width="152" height="157" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">10 October 2020</span></p> <p>In February we published the blog “Are credits not too commoditized?” investigating how banks could differentiate more based on the services linked to credits, rather than just based on pricing / interest rate. The blog mainly focused on private purpose loans. In our next blog we present a few examples how banks can offer more value and flexibility for business loans … <a href="https://www.capilever.com/blog-19/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-19/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-18/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Investing – A spectrum of choices</strong></span></a></p> <p><img class="alignright wp-image-4048" style="margin-right: 90px; margin-left: 40px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/09/Blog-Investment-choices.png" alt="" width="152" height="157" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">14 September 2020</span></p> <p>In our previous blog we introduced a number of ways how banks can activate the ever increasing amounts of saving deposits, by turning them into investments. However once customers have taken the decision to activate their money, they still have a variety of investment services and products to choose from… <a href="https://www.capilever.com/blog-18/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-18/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-17/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How Capilever can help activate savings to fight economic recessions</strong></span></a></p> <p><img class="alignright wp-image-4034" style="margin-right: 70px; margin-left: 60px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/08/Blog-Activate-savings-to-fight-recessions.jpg" alt="" width="202" height="138" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">26 August 2020</span></p> <p>With savings skyrocketing all over the world, an economic crisis is difficult to avoid, as consumption drops and investments are postponed. At Capilever, we believe a bank can activate these savings in 3 ways: by better educating its customers about impacts of inflation and interest rates, by making investing more accessible, and by providing flexible financial cushions… <a href="https://www.capilever.com/blog-17/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-17/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-16/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit scoring – Art or science?</strong></span></a></p> <p><img class="alignright wp-image-3992" style="margin: -20px 90px 50px 80px;" src="https://www.capilever.com/wp-content/uploads/2020/08/Capilever-Blog-Credit-scoring.jpg" alt="" width="162" height="138" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">30 July 2020</span></p> <p>Credit risk scoring models have evolved a lot in recent years thanks to the rise of new technologies like AI and the availability of more data sources. Capilever LABL, NLPT and CPRA software provide novel techniques for handling credit risk, increasing risk awareness and enabling customers to improve their credit scoring themselves… <a href="https://www.capilever.com/blog-16/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-16/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-15/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit servicing – Much more than just a back-end process</strong></span></a></p> <p><img class="alignright wp-image-3975" style="margin-right: 90px; margin-left: 80px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions.jpg" alt="" width="162" height="138" srcset="https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions.jpg 681w, https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions-300x256.jpg 300w" sizes="(max-width: 162px) 100vw, 162px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">5 June 2020</span></p> <p>While credit origination is considered as a very customer-centric process, the credit servicing part that comes afterwards is usually considered as a purely operational, back-end process. At Capilever we believe however that a more customer-centric approach in the credit servicing lifecycle can bring considerable added-value and competitive advantage… <a href="https://www.capilever.com/blog-15/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-15/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-14/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit origination – A lot of evolution on the horizon</strong></span></a></p> <p><img class="alignright size-full wp-image-3963" style="margin-right: 90px; margin-left: 80px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/06/Capilever-credit-origination-tools.jpg" alt="" width="130" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">5 June 2020</span></p> <p>While consumer credits are becoming more automated and user-friendly to originate (for customers via online channels or for bank employees) all other credits are often still very manual and labor intensive to originate. This blog tries to give a description of the different steps in an origination process and how they can be innovated… <a href="https://www.capilever.com/blog-14/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-14/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-13/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Social distancing & Financial distancing – New counterparty risk models</strong></span></a></p> <p><img class="alignright size-full wp-image-3929" style="margin-right: 90px; margin-left: 80px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA.jpg" alt="" width="130" srcset="https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA.jpg 439w, https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA-300x297.jpg 300w" sizes="(max-width: 439px) 100vw, 439px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">27 May 2020</span></p> <p>One could argue, that in a similar way that social distancing can limit the epidemic spread in the current health crisis, applying correct counterparty risk measures can prevent the contagion and propagation of financial defaults. Not by excluding companies from doing business, but by helping them with specific measures, hence avoiding a more systemic economic collapse … <a href="https://www.capilever.com/blog-13/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-13/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-11/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Living a debt-free life : Utopia or realistic aspiration?</strong></span></a></p> <p><img class="alignright size-full wp-image-3863" style="margin-right: 75px; margin-left: 65px; margin-top: -40px;" src="https://www.capilever.com/wp-content/uploads/2020/02/Debt-free-blog.png" alt="" width="160" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">29 April 2020</span></p> <p>Recent surveys indicate that the biggest aspiration of millennials today is not to buy a house or to get married, but to become debt-free. Younger generations want to become more flexible in their life-choices, having more freedom to change jobs, houses, etc. They have seen their parents being restricted in certain life choices by the debt they carried along… <a href="https://www.capilever.com/blog-11/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-11/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-12/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Are banks ready for the Corona emergency measures imposed by governments?</strong></span></a></p> <p><img class="alignright size-full wp-image-3876" style="margin-right: 85px; margin-left: 75px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits.jpg" alt="" width="140" srcset="https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits.jpg 500w, https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits-300x289.jpg 300w" sizes="(max-width: 500px) 100vw, 500px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 March 2020</span></p> <p>Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people and businesses overcome a period of low to zero income, which completely breaks their predicted liquidity forecasts. Such a shock in liquidity can even bring strong businesses on their knees, if no supporting measures are put in place … <a href="https://www.capilever.com/blog-12/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-12/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-10/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Are credits not too commoditized?</strong></span></a></p> <p><img class="alignright size-full wp-image-3821" style="margin-right: 75px; margin-left: 65px; margin-top: -55px;" src="https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize.jpg" alt="" width="160" srcset="https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize.jpg 675w, https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize-249x300.jpg 249w" sizes="(max-width: 675px) 100vw, 675px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">25 Feb 2020</span></p> <p>Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. The electricity market has become fully commoditized and price has become the only differentiator. It’s interesting now to make the analogy with the banking sector … <a href="https://www.capilever.com/blog-10/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-10/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-09/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>The best way to regain your customer’s trust</strong></span></a></p> <p><img class="alignright size-full wp-image-3806" style="margin-right: 97px; margin-left: 83px;" src="https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking.jpg" alt="" width="120" srcset="https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking.jpg 849w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-300x200.jpg 300w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-768x511.jpg 768w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-355x235.jpg 355w" sizes="(max-width: 849px) 100vw, 849px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">29 Jan 2020</span></p> <p>After the 2007-2008 banking crisis, the trust of consumers in the banking sector reached an all-time low. For a sector built on the foundation of trust, this is alarming. But also a great opportunity! Banks which can rapidly regain the trust of their customers, are likely to attract new customers and better retain their existing customers … <a href="https://www.capilever.com/blog-09/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-09/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-08/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Can banks help to fundamentally redefine our notion of trust?</strong></span></a></p> <p><img class="alignright size-full wp-image-3773" style="margin-right: 97px; margin-left: 83px;" src="https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust.png" alt="" width="120" srcset="https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust.png 442w, https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust-150x150.png 150w, https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust-297x300.png 297w" sizes="(max-width: 442px) 100vw, 442px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">21 Nov 2019</span></p> <p>Trust is the glue that holds society together. Historically we trusted people in our local community. Later this evolved to a centralized trust in large corporations and institutions, but recently this has shifted towards a more distributed trust, meaning that we sometimes need to place our faith in complete strangers … <a href="https://www.capilever.com/blog-08/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-08/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-07/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Being unique is not enough – how to assess the impact of a new banking solution</strong></span></a></p> <p><img class="alignright size-full wp-image-2995" style="margin-right: 70px; margin-left: 70px;" src="https://www.capilever.com/wp-content/uploads/2019/08/Blog_Impact-e1566986139870.png" alt="" width="160" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">24 Oct 2019</span></p> <p>When positioning a new solution, banks first have to analyse the business case, i.e. compare the costs of implementing, operating, marketing and selling the new product or service versus the increased revenues and reduced costs (directly measurable) and increased customer experience and brand value (indirect and hence more difficult to measure). As banks have the critical mass of their large existing client base, the cost of marketing the new solution is typically lower than for a new start-up positioning the same product or service … <a href="https://www.capilever.com/blog-07/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-07/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-06/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Banks that can maximally reduce financial risks in a user-friendly way can compete with any future tech player</strong></span></a></p> <p><img class="alignright size-full wp-image-2973" style="margin-right: 70px; margin-left: 70px;" src="https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist.jpg" alt="" width="160" srcset="https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist.jpg 1373w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-300x226.jpg 300w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-768x579.jpg 768w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-1024x773.jpg 1024w" sizes="(max-width: 1373px) 100vw, 1373px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">24 Sept 2019</span></p> <p><em>Banks are technology companies with a banking license !</em> This claim and similar claims can be read more and more in articles on trends in the financial services sector and is often used as an argument that banks will soon be replaced by Fintechs and Silicon Valley tech giants. At Capilever we strongly believe that IT is crucial for a bank and its importance can hardly be underestimated, but – <em>call us conservative</em> – we also believe that risk management is equally important as a bank’s core business … <a href="https://www.capilever.com/blog-06/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-06/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-05/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How collaboration with specialist providers can boost bank innovation </strong></span></a></p> <p><img class="alignright size-full wp-image-2852" style="margin-right: 60px; margin-left: 60px;" src="https://www.capilever.com/wp-content/uploads/2019/07/Blog-5-Collaborate-to-Innovate.jpg" alt="" width="180" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">3 Sept 2019</span></p> <p>Bank offerings and customer expectations are evolving fast. For each specific client need, specific solutions need to be built, requiring lots of investments, IP and expertise. To keep up, banks can’t afford to reinvent the wheel every time. Therefore they are opening up, and welcoming the win-win collaboration with specialist third parties that can help them improve their offering … <a href="https://www.capilever.com/blog-05/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-05/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-04/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Why lending against your investments is perfectly compatible with daily banking and PFM/BFM offerings</strong></span></a></p> <p><img class="alignright size-full wp-image-2627" style="margin-right: 90px; margin-left: 90px;" src="https://www.capilever.com/wp-content/uploads/2019/05/Blog4.png" alt="" width="120" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">18 July 2019</span></p> <p>Today’s bank customers want a fluent, end-to-end experience. Unfortunately most Online and Mobile banking platforms are still very silo organised, with typically modules for Daily Banking, Investments, Credits and Insurances. Even though this reflects very well the internal (IT) organisation of the bank, customers would prefer to have a more customer-oriented cockpit, where they can manage end-to-end solutions and not banking products … <a href="https://www.capilever.com/blog-04/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-04/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-03/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How Liquid Asset Based Lending (LABL) brings benefits to both banks and their customers</strong></span></a></p> <p><img class="alignright size-full wp-image-2679" style="margin-right: 110px; margin-left: 110px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2019/05/Benefits_blog.png" width="80" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">21 June 2019</span></p> <p>Lending against liquid assets that customers hold within their bank, is an underexploited market opportunity. If delivered well with the right level of automation and self-service capability, it creates great value for banks and their customers. In this blog we give an overview of some of these benefits … <a href="https://www.capilever.com/blog-03/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-03/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-02/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Democratizing asset based lending and how banks can protect themselves from systemic market risk ?</strong></span></a></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">12 March 2019</span></p> <p><img class="alignright wp-image-4048" style="margin-right: 40px; margin-left: 20px; margin-top: -20px;" src="https://www.capilever.com/wp-content/uploads/2019/04/Crash_image_3.png" alt="" width="210" /></p> <p>A big advantage of the Liquid Asset Based Lending product is that customers can use the money for whatever purpose. This advantage for the customer can however also result in a big risk for the bank, when customers start using the money of the LABL to buy other assets, which are in their turn used as collateral for a next LABL loan. This is called investment leveraging and a valid usage of the LABL product… <a href="https://www.capilever.com/blog-02/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-02/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-01/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Liquid Asset Based Lending (LABL) – a clear retail banking market opportunity</strong></span></a></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">18 December 2018</span></p> <p><img class="alignright wp-image-2627 size-full" style="margin-right: 0px; margin-left: 0px; margin-top: -30px;" src="https://www.capilever.com/wp-content/uploads/2019/03/Blog1_LABL_image1-e1574977431486.png" alt="" width="300" height="457" />Lending against liquid marketable assets like securities and bonds, has been around for quite some time. Nowadays, we find LABL or Lombard loans mostly in the private banking segment. High net worth individuals can borrow against some of their assets. In the corporate space this type of lending facility is also frequently available, offering flexible credit lines and working capital for large corporates. Finally a great opportunity is available in the retail and SME banking space … <a href="https://www.capilever.com/blog-01/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-01/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Welcome to our blog !</strong></span></p> <p>Welcome to the Capilever blog ! Our blog will give us the unique opportunity to share news and updates, while also offering a place for us to interact with our network.</p> </div> </div> </div> </div> </div></div></div><div id="fws_67be74ac79689" class="vc_row vc_row-fluid animate_onoffset row-dynamic-el standard_section vc_hidden-lg vc_hidden-md " style="" ><div id="vc_hidden-lg vc_hidden-md" style="position: absolute;top: 0;"></div><div class="container dark"><div class="section_clear"> <div class="vc_col-sm-12 vc_column column_container with_padding " style="padding:" data-animation="none" data-delay=""> <div class="wpb_wrapper"> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-32/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Tips and tricks for making investment tools more transparent in these high inflation times</strong></span></a></p> <p><img class="alignright wp-image-4583" style="margin: 5px 5px 5px 5px;" src="https://www.capilever.com/wp-content/uploads/2023/05/Transparent-investment-tooling.jpg" alt="" width="93" height="131" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">25 May 2023</span></p> <p>In these times of high inflation investing your excess money (wisely) is crucial to avoid losing purchasing power. In our next blog, find out how Capilever software can make investing more transparent and intuitive… <a href="https://www.capilever.com/blog-32/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-32/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-31/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Problematic debt – A big taboo in search for a Fintech solution</strong></span></a></p> <p><img class="alignright wp-image-4573" style="margin: 5px 5px 5px 5px;" src="https://www.capilever.com/wp-content/uploads/2023/05/Problematic-Debt.jpg" alt="" width="93" height="131" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">28 April 2023</span></p> <p>Taking on debt is not necessarily a bad thing, especially when debt is used to generate wealth, but in the current cost of living crisis, debt can easily spiral out of control. With an ever-increasing number of people struggling to pay off their bills and debts, problematic debt is a major concern… <a href="https://www.capilever.com/blog-31/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-31/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-30/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>2022 market review for tackling financial stress</strong></span></a></p> <p><img class="alignright wp-image-4549" style="margin: 5px 5px 5px 5px;" src="https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress.png" alt="" width="93" height="131" srcset="https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress.png 465w, https://www.capilever.com/wp-content/uploads/2023/01/Capilever-2022-Market-Observations-for-Tackling-Financial-Stress-213x300.png 213w" sizes="(max-width: 93px) 100vw, 93px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">8 January 2023</span></p> <p>What do Wise, Curve, Qover, Monese and Capilever have in common? Besides being Fintechs active in the financial services sector you will probably say not that much, but when you look at their recent product announcements you can see a common focus, which is on removing financial stress… <a href="https://www.capilever.com/blog-30/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-30/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-29/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Examples how to better guide customers in home loan decisions</strong></span></a></p> <p><img class="alignright wp-image-4537" style="margin: -10px 70px 5px 80px;" src="https://www.capilever.com/wp-content/uploads/2022/11/Capilever-More-guidance-in-home-loan-decisions-blog.jpg" alt="" width="136" height="125" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">9 November 2022</span></p> <p>The decision to buy or renovate a home, is for most people the most important financial decision in their life. Not only are the involved amounts 10 to 100 times higher than most other financial decisions, there are also many decision factors to consider. Nowadays most banking clients only make a conscious decision about the tip of the iceberg… <a href="https://www.capilever.com/blog-29/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-29/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-28/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>A Roadmap for Hyper-Personalized Lending</strong></span></a></p> <p><img class="alignright wp-image-4509" style="margin: 5px 70px 5px 80px;" src="https://www.capilever.com/wp-content/uploads/2022/06/HyperPersonalized-lending.jpg" alt="" width="150" srcset="https://www.capilever.com/wp-content/uploads/2022/06/HyperPersonalized-lending.jpg 612w, https://www.capilever.com/wp-content/uploads/2022/06/HyperPersonalized-lending-300x136.jpg 300w" sizes="(max-width: 612px) 100vw, 612px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 June 2022</span></p> <p>In previous blogs, we have raised the concern that loans in general and mortgages in particular have become too much of a commodity product, for which price is nearly the only differentiator. Many customers are however unaware that the loan with the best price or interest rate may not necessarily be the best option for their specific situation… <a href="https://www.capilever.com/blog-28/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-28/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-27/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Asset-based lending for SMEs – An underappreciated form of company funding</strong></span></a></p> <p><img class="alignright wp-image-4496" style="margin: 5px 70px 5px 80px;" src="https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL.jpg" alt="" width="150" srcset="https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL.jpg 1281w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-300x277.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-768x708.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/10/SME-ABL-1024x944.jpg 1024w" sizes="(max-width: 1281px) 100vw, 1281px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">20 October 2021</span></p> <p>Most SMEs have significant cash tied up in assets, like inventory, machines, equipment, real estate or financial assets. Using these assets in an easy and flexible way for lending could unlock huge liquidity amounts… <a href="https://www.capilever.com/blog-27/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-27/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-26/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit trends (2021 update)</strong></span></a></p> <p><img class="alignright wp-image-4477" style="margin-right: 55px; margin-left: 60px; margin-top: 0px;" src="https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update.jpg" alt="" width="180" srcset="https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update.jpg 2233w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-300x247.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-768x634.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/09/Credit-trends-2021-update-1024x845.jpg 1024w" sizes="(max-width: 2233px) 100vw, 2233px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">6 September 2021</span></p> <p>At Capilever we closely follow innovations and evolutions in the credit space. While many financial players are investing heavily in transforming the credits domain, the financing products themselves have not changed significantly in the last few decades. Here we discuss some new trends and propose some new credit types… <a href="https://www.capilever.com/blog-26/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-26/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-25/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Understanding your customer’s needs is the cornerstone of customer centricity</strong></span></a></p> <p><img class="alignright wp-image-4446" style="margin: 10px 30px 10px 00px;" src="https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs.jpg" alt="" width="260" srcset="https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs.jpg 1108w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-300x108.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-768x277.jpg 768w, https://www.capilever.com/wp-content/uploads/2021/04/Capilever-blog-Understanding-financial-needs-1024x370.jpg 1024w" sizes="(max-width: 1108px) 100vw, 1108px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">7 July 2021</span></p> <p>Customers are often lost in the many products their bank has to offer. In addition they don’t always know themselves what their real financial needs are, and welcome some guidance from their bank. In this article we propose a 4-step roadmap towards more customer centricity in the credits domain … <a href="https://www.capilever.com/blog-25/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-25/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-24/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>5 Capilever software tools that radically rethink financial products from their core</strong></span></a></p> <p><img class="alignright wp-image-4124" style="margin: 0px 95px 10px 55px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings.jpg" alt="" width="139" height="135" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings.jpg 455w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Innovation-through-new-offerings-300x292.jpg 300w" sizes="(max-width: 139px) 100vw, 139px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">17 May 2021</span></p> <p>Over the past 5 years, banking has been transformed from a risk-averse, very conservative sector to one of the fastest moving and innovating sectors in the world. Unfortunately most of these evolutions focus on innovating the user interaction with the banking channels or with financial products or services, rather than improving the products or services themselves … <a href="https://www.capilever.com/blog-24/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-24/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-23/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Identifying the customer needs before traditional credit origination</strong></span></a></p> <p><img class="alignright wp-image-4111" style="margin: 15px 65px 25px 45px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs.jpg" alt="" width="202" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs.jpg 1000w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs-300x172.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Identifying-Financial-Needs-768x440.jpg 768w" sizes="(max-width: 1000px) 100vw, 1000px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">14 March 2021</span></p> <p>In a world of hyper-personalization and customer-centricity, customers are expecting their banks to provide solutions to their needs, rather than having to find, buy and compose different financial products and services themselves. Capilever FINE guides customers towards the right products, including products they might never have thought about … <a href="https://www.capilever.com/blog-23/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-23/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-22/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Banks can help you build your path to financial freedom</strong></span></a></p> <p><img class="alignright wp-image-4108" style="margin: 0px 75px 10px 55px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom.jpg" alt="" width="142" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom.jpg 812w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom-300x287.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-Financial-Freedom-768x735.jpg 768w" sizes="(max-width: 812px) 100vw, 812px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">15 January 2021</span></p> <p>Despite significant efforts of schools and media to give more attention to financial skills, the level of financial literacy in the general population remains low. In this blog we explain some techniques implemented in the Capilever software that make it more simple for bank customers to understand their finances and financial health, ultimately enabling them to make more informed decisions and act more autonomously … <a href="https://www.capilever.com/blog-22/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-22/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-21/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How banks and insurers increasingly push risks towards their customers</strong></span></a></p> <p><img class="alignright wp-image-4103" style="margin-right: 100px; margin-left: 50px; margin-top: -10px;" src="https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks.jpg" alt="" width="132" srcset="https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks.jpg 990w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks-300x277.jpg 300w, https://www.capilever.com/wp-content/uploads/2021/02/Blog-21-Pushing-risks-768x708.jpg 768w" sizes="(max-width: 990px) 100vw, 990px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 November 2020</span></p> <p>There is a trend within financial institutions to push risks towards their customers. This trend is driven by the market (high volatility on the stock market and the low interest rates), by regulators (imposing higher capital requirements) and by customers (wanting lower prices, higher returns and more personalized services) … <a href="https://www.capilever.com/blog-21/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-21/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-20/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Improving traditional credit scoring with a forward-looking approach</strong></span></a></p> <p><img class="alignright wp-image-4079" style="margin-right: 90px; margin-left: 40px; margin-top: 0px;" src="https://www.capilever.com/wp-content/uploads/2020/10/Blog-Committed-credit-exposure.jpg" alt="" width="152" height="157" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">28 October 2020</span></p> <p>Credit history checks and national registers allow protecting customers against excessive debt. These checks however should be complemented by an “Affordability Check”, based on your current and expected financial situation. In this blog we explain how such an affordability check allows to be forward looking, instead of backward looking (i.e. traditionally looking only at your credit history) … <a href="https://www.capilever.com/blog-20/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-20/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-19/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>More flexibility in business loans – No unnecessary luxury</strong></span></a></p> <p><img class="alignright wp-image-4064" style="margin: 0px 80px 10px 60px;" src="https://www.capilever.com/wp-content/uploads/2020/10/Blog-Flexibility-SME-lending.jpg" alt="" width="140" srcset="https://www.capilever.com/wp-content/uploads/2020/10/Blog-Flexibility-SME-lending.jpg 406w, https://www.capilever.com/wp-content/uploads/2020/10/Blog-Flexibility-SME-lending-300x294.jpg 300w" sizes="(max-width: 406px) 100vw, 406px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">10 October 2020</span></p> <p>In February we published the blog “Are credits not too commoditized?” investigating how banks could differentiate more based on the services linked to credits, rather than just based on pricing / interest rate. The blog mainly focused on private purpose loans. In our next blog we present a few examples how banks can offer more value and flexibility for business loans … <a href="https://www.capilever.com/blog-19/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-19/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-18/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Investing – A spectrum of choices</strong></span></a></p> <p><img class="alignright wp-image-4048" style="margin: 0px 80px 10px 50px;" src="https://www.capilever.com/wp-content/uploads/2020/09/Blog-Investment-choices.png" alt="" width="152" height="157" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">14 September 2020</span></p> <p>In our previous blog we introduced a number of ways how banks can activate the ever increasing amounts of saving deposits, by turning them into investments. However once customers have taken the decision to activate their money, they still have a variety of investment services and products to choose from… <a href="https://www.capilever.com/blog-18/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-18/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-17/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How Capilever can help activate savings to fight economic recessions</strong></span></a></p> <p><img class="alignright wp-image-4034" style="margin-right: 70px; margin-left: 60px; margin-top: 0px;" src="https://www.capilever.com/wp-content/uploads/2020/08/Blog-Activate-savings-to-fight-recessions.jpg" alt="" width="202" height="138" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">26 August 2020</span></p> <p>With savings skyrocketing all over the world, an economic crisis is difficult to avoid, as consumption drops and investments are postponed. At Capilever, we believe a bank can activate these savings in 3 ways: by better educating its customers about impacts of inflation and interest rates, by making investing more accessible, and by providing flexible financial cushions… <a href="https://www.capilever.com/blog-17/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-17/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-16/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit scoring – Art or science?</strong></span></a></p> <p><img class="alignright wp-image-3992" style="margin: 10px 80px 10px 90px;" src="https://www.capilever.com/wp-content/uploads/2020/08/Capilever-Blog-Credit-scoring.jpg" alt="" width="162" height="138" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">30 July 2020</span></p> <p>Credit risk scoring models have evolved a lot in recent years thanks to the rise of new technologies like AI and the availability of more data sources. Capilever LABL, NLPT and CPRA software provide novel techniques for handling credit risk, increasing risk awareness and enabling customers to improve their credit scoring themselves… <a href="https://www.capilever.com/blog-16/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-16/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-15/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit servicing – Much more than just a back-end process</strong></span></a></p> <p><img class="alignright wp-image-3975" style="margin-right: 90px; margin-left: 80px; margin-top: 10px;" src="https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions.jpg" alt="" width="146" height="124" srcset="https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions.jpg 681w, https://www.capilever.com/wp-content/uploads/2020/06/Blog-Credit-interactions-300x256.jpg 300w" sizes="(max-width: 146px) 100vw, 146px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">5 June 2020</span></p> <p>While credit origination is considered as a very customer-centric process, the credit servicing part that comes afterwards is usually considered as a purely operational, back-end process. At Capilever we believe however that a more customer-centric approach in the credit servicing lifecycle can bring considerable added-value and competitive advantage… <a href="https://www.capilever.com/blog-15/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-15/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-14/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Credit origination – A lot of evolution on the horizon</strong></span></a></p> <p><img class="alignright size-full wp-image-3963" style="margin-right: 90px; margin-left: 80px; margin-top: 0px;" src="https://www.capilever.com/wp-content/uploads/2020/06/Capilever-credit-origination-tools.jpg" alt="" width="130" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">5 June 2020</span></p> <p>While consumer credits are becoming more automated and user-friendly to originate (for customers via online channels or for bank employees) all other credits are often still very manual and labor intensive to originate. This blog tries to give a description of the different steps in an origination process and how they can be innovated… <a href="https://www.capilever.com/blog-14/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-14/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-13/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Social distancing & Financial distancing – New counterparty risk models</strong></span></a></p> <p><img class="alignright size-full wp-image-3929" style="margin: 10px 95px -10px 85px;" src="https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA.jpg" alt="" width="120" srcset="https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA.jpg 439w, https://www.capilever.com/wp-content/uploads/2020/05/Blog-CPRA-300x297.jpg 300w" sizes="(max-width: 439px) 100vw, 439px" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">27 May 2020</span></p> <p>One could argue, that in a similar way that social distancing can limit the epidemic spread in the current health crisis, applying correct counterparty risk measures can prevent the contagion and propagation of financial defaults. Not by excluding companies from doing business, but by helping them with specific measures, hence avoiding a more systemic economic collapse … <a href="https://www.capilever.com/blog-13/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-13/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-11/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Living a debt-free life : Utopia or realistic aspiration?</strong></span></a></p> <p><img class="alignright size-full wp-image-3863" style="margin-right: 75px; margin-left: 65px;" src="https://www.capilever.com/wp-content/uploads/2020/02/Debt-free-blog.png" alt="" width="160" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">29 April 2020</span></p> <p>Some recent surveys indicate that the biggest aspiration of millennials today is not to buy a house or to get married, but to become debt-free. Younger generations want to become more flexible in their life-choices, having more freedom to change jobs, houses, etc. They have seen their parents being restricted in certain life choices by the debt they carried along… <a href="https://www.capilever.com/blog-11/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-11/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-12/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Are banks ready for the Corona emergency measures imposed by governments?</strong></span></a></p> <p><img class="alignright size-full wp-image-3876" style="margin: 0px 105px -10px 95px;" src="https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits.jpg" alt="" width="100" srcset="https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits.jpg 500w, https://www.capilever.com/wp-content/uploads/2020/03/Blog-emergency-measures-credits-300x289.jpg 300w" sizes="(max-width: 500px) 100vw, 500px" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">22 March 2020</span></p> <p>Amid the Corona crisis, governments worldwide are urgently deciding on numerous actions to limit the economic impact of this unprecedented health crisis. Top priority in these plans is to help people and businesses overcome a period of low to zero income, which completely breaks their predicted liquidity forecasts. Such a shock in liquidity can even bring strong businesses on their knees, if no supporting measures are put in place … <a href="https://www.capilever.com/blog-12/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-12/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-10/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Are credits not too commoditized?</strong></span></a></p> <p><img class="alignright size-full wp-image-3821" style="margin-right: 75px; margin-left: 65px; margin-top: 0px;" src="https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize.jpg" alt="" width="160" srcset="https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize.jpg 675w, https://www.capilever.com/wp-content/uploads/2019/11/Innovate-versus-Commoditize-249x300.jpg 249w" sizes="(max-width: 675px) 100vw, 675px" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">25 Feb 2020</span></p> <p>Since 1 July 2007, the Belgian electricity market has been liberalized. While in the first years, only few consumers switched electricity provider, this has reached a new high this year. The electricity market has become fully commoditized and price has become the only differentiator. It’s interesting now to make the analogy with the banking sector … <a href="https://www.capilever.com/blog-10/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-10/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-09/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>The best way to regain your customer’s trust</strong></span></a></p> <p><img class="alignright size-full wp-image-3806" style="margin-right: 97px; margin-left: 83px;" src="https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking.jpg" alt="" width="120" srcset="https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking.jpg 849w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-300x200.jpg 300w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-768x511.jpg 768w, https://www.capilever.com/wp-content/uploads/2019/11/Blog9-Responsible-banking-355x235.jpg 355w" sizes="(max-width: 849px) 100vw, 849px" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">29 Jan 2020</span></p> <p>After the 2007-2008 banking crisis, the trust of consumers in the banking sector reached an all-time low. For a sector built on the foundation of trust, this is alarming. But also a great opportunity! Banks which can rapidly regain the trust of their customers, are likely to attract new customers and better retain their existing customers … <a href="https://www.capilever.com/blog-09/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-09/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-08/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Can banks help to fundamentally redefine our notion of trust?</strong></span></a></p> <p><img class="alignright size-full wp-image-3773" style="margin-right: 97px; margin-left: 83px; margin-top: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust.png" alt="" width="120" srcset="https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust.png 442w, https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust-150x150.png 150w, https://www.capilever.com/wp-content/uploads/2019/10/Blog-8-Counterparty-Trust-297x300.png 297w" sizes="(max-width: 442px) 100vw, 442px" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">21 Nov 2019</span></p> <p>Trust is the glue that holds society together. Historically we trusted people in our local community. Later this evolved to a centralized trust in large corporations and institutions, but recently this has shifted towards a more distributed trust, meaning that we sometimes need to place our faith in complete strangers … <a href="https://www.capilever.com/blog-08/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-08/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-07/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Being unique is not enough – how to assess the impact of a new banking solution</strong></span></a></p> <p><img class="alignright size-full wp-image-2995" style="margin-right: 70px; margin-left: 70px; margin-top: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/08/Blog_Impact-e1566986139870.png" alt="" width="160" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">24 Oct 2019</span></p> <p>When positioning a new solution, banks first have to analyse the business case, i.e. compare the costs of implementing, operating, marketing and selling the new product or service versus the increased revenues and reduced costs (directly measurable) and increased customer experience and brand value (indirect and hence more difficult to measure). As banks have the critical mass of their large existing client base, the cost of marketing the new solution is typically lower than for a new start-up positioning the same product or service … <a href="https://www.capilever.com/blog-07/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-07/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-06/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Banks that can maximally reduce financial risks in a user-friendly way can compete with any future tech player</strong></span></a></p> <p><img class="alignright size-full wp-image-2973" style="margin-right: 70px; margin-left: 70px; margin-top: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist.jpg" alt="" width="160" srcset="https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist.jpg 1373w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-300x226.jpg 300w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-768x579.jpg 768w, https://www.capilever.com/wp-content/uploads/2019/08/Risk-Equilibrist-1024x773.jpg 1024w" sizes="(max-width: 1373px) 100vw, 1373px" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">24 Sept 2019</span></p> <p><em>Banks are technology companies with a banking license !</em> This claim and similar claims can be read more and more in articles on trends in the financial services sector and is often used as an argument that banks will soon be replaced by Fintechs and Silicon Valley tech giants. At Capilever we strongly believe that IT is crucial for a bank and its importance can hardly be underestimated, but – <em>call us conservative</em> – we also believe that risk management is equally important as a bank’s core business … <a href="https://www.capilever.com/blog-06/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-06/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-05/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How collaboration with specialist providers can boost bank innovation </strong></span></a></p> <p><img class="alignright size-full wp-image-2852" style="margin-right: 60px; margin-left: 60px; margin-top: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/07/Blog-5-Collaborate-to-Innovate.jpg" alt="" width="180" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">3 Sept 2019</span></p> <p>Bank offerings and customer expectations are evolving fast. For each specific client need, specific solutions need to be built, requiring lots of investments, IP and expertise. To keep up, banks can’t afford to reinvent the wheel every time. Therefore they are opening up, and welcoming the win-win collaboration with specialist third parties that can help them improve their offering … <a href="https://www.capilever.com/blog-05/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-05/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-04/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Why lending against your investments is perfectly compatible with daily banking and PFM/BFM offerings</strong></span></a></p> <p><img class="alignright size-full wp-image-2627" style="margin-right: 90px; margin-left: 90px; margin-top: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/05/Blog4.png" alt="" width="120" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">18 July 2019</span></p> <p>Today’s bank customers want a fluent, end-to-end experience. Unfortunately most Online and Mobile banking platforms are still very silo organised, with typically modules for Daily Banking, Investments, Credits and Insurances. Even though this reflects very well the internal (IT) organisation of the bank, customers would prefer to have a more customer-oriented cockpit, where they can manage end-to-end solutions and not banking products … <a href="https://www.capilever.com/blog-04/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-04/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-03/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>How Liquid Asset Based Lending (LABL) brings benefits to both banks and their customers</strong></span></a></p> <p><img class="alignright size-full wp-image-2679" style="margin-right: 110px; margin-left: 110px;" src="https://www.capilever.com/wp-content/uploads/2019/05/Benefits_blog.png" width="80" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">21 June 2019</span></p> <p>Lending against liquid assets that customers hold within their bank, is an underexploited market opportunity. If delivered well with the right level of automation and self-service capability, it creates great value for banks and their customers. In this blog we give an overview of some of these benefits … <a href="https://www.capilever.com/blog-03/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-03/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-02/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Democratizing asset based lending and how banks can protect themselves from systemic market risk ?</strong></span></a></p> <p> </p> <p><img class="alignright size-full wp-image-2643" style="margin-top: -20px; margin-bottom: 15px;" src="https://www.capilever.com/wp-content/uploads/2019/04/Crash_image_3.png" alt="" width="300" /></p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">12 March 2019</span></p> <p>A big advantage of the Liquid Asset Based Lending product is that customers can use the money for whatever purpose. This advantage for the customer can however also result in a big risk for the bank, when customers start using the money of the LABL to buy other assets, which are in their turn used as collateral for a next LABL loan. This is called investment leveraging and a valid usage of the LABL product.</p> <p>In principle, the risk does not increase for the bank since each individual LABL credit request (by the customer) always contains coverage … <a href="https://www.capilever.com/blog-02/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-02/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><a href="https://www.capilever.com/blog-01/"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Liquid Asset Based Lending (LABL) – a clear retail banking market opportunity</strong></span></a></p> <p> </p> <p><img class="alignright wp-image-2627 size-full" style="margin-top: -10px;" src="https://www.capilever.com/wp-content/uploads/2019/03/Blog1_LABL_image1-e1574977771515.png" alt="" width="300" height="457" /></p> <p> </p> <p style="text-align: left;"><span style="font-size: 0.8em; color: #b3b3b3;">18 Dec 2018</span></p> <p>Lending against liquid marketable assets like securities and bonds, has been around for quite some time. Nowadays, we find LABL or Lombard loans mostly in the private banking segment. High net worth individuals can borrow against some of their assets. In the corporate space this type of lending facility is also frequently available, offering flexible credit lines and working capital for large corporates. Finally a great opportunity is available in the retail and SME banking space … <a href="https://www.capilever.com/blog-01/">Read more</a></p> </div> </div> <div class="wpb_content_element button "><a class="btn-bt align-left with_icon" href="https://www.capilever.com/blog-01/"><span>Read more</span><i class=""></i></a></div><div class="vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey" ><span class="vc_sep_holder vc_sep_holder_l"><span class="vc_sep_line"></span></span><span class="vc_sep_holder vc_sep_holder_r"><span class="vc_sep_line"></span></span> </div> <div class="wpb_text_column wpb_content_element "> <div class="wpb_wrapper"> <p style="text-align: left;"><span style="font-size: 1.5em; color: #0c93d6;"><strong>Welcome to our blog !</strong></span></p> <p>Welcome to the Capilever blog ! 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