Latest opinions that Joris Lochy has shared on Finextra

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url('/app_themes/earlgrey/images/icons/communityevents/ActionUnFollow-1.svg'); mask-image: url('/app_themes/earlgrey/images/icons/communityevents/ActionUnFollow-1.svg');"></span> <span class="button-text">Unfollow</span> </a> </div> <h2 class="profile-user-details-name">Joris Lochy</h2> <div class="profile-user-details-jobtitle">Product Manager at Intix | Co-founder</div> <div class="profile-user-details-company">Capilever</div>  <div class="profile-user-details-memberstats"> <div class="article-authorDetails-postStats"> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-postStat-title">Member since</div> <div class="article-authorDetails-postStat-desc">05 Apr 2017</div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-postStat-title">Location</div> <div class="article-authorDetails-postStat-desc">Brussels</div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Followers</div> <div class="article-authorDetails-postStat-desc">6</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Following</div> <div class="article-authorDetails-postStat-desc">0</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Opinions</div> <div class="article-authorDetails-postStat-desc">137</div> </div> </div> <div class="article-authorDetails-postStat"> <div class="article-authorDetails-social-link"> <div class="article-authorDetails-postStat-title">Long reads</div> <div class="article-authorDetails-postStat-desc">0</div> </div> </div> </div> </div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowerDetails" class="profile-user-details-followed-by d-none"> <div class="profile-followed-by"> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowerImages" class="profile-followed-by--profile-image-container"> </div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_dFollowedBy" class="profile-followed-by--summary-container"> Followed by John Sims, Martha Boyle and 5 others you follow </div> </div> </div> <div class="profile-user-details-buttons"> <a href="/bloggers/92058" id="ctl00_ctl00_body_bodyLevel_ViewHead_aMainLink" aria-label="Link to member profile: Joris Lochy">View Joris Lochy's full profile</a> </div> </div>     <div class="profile-all-opinions"> <div class="profile-all-opinions-heading-container profile-main-heading-container"> <h3 class="profile-main-heading-heading">Joris's opinions</h3> <div id="ctl00_ctl00_body_bodyLevel_PublicListing_dFilter" class="profile-main-heading-filters"> <div class="filter-container filter-form"> <div id="ctl00_ctl00_body_bodyLevel_PublicListing_dYear" class="filter-item-container filter-item-container-date filter-dropdown-container"> <select 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class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/other/Calendar2.svg'); mask-image: url('/app_themes/earlgrey/images/icons/other/Calendar2.svg');"></span> <span class="button-text"> <span class="button-text--default">Filter by year</span> <span class="button-text--shortened">Year</span> <span id="ctl00_ctl00_body_bodyLevel_PublicListing_yearSelected" class="button-text-selection">2022</span> </span> <span class="button-icon"></span> </label> <a href="/community/live-opinions/92058" id="ctl00_ctl00_body_bodyLevel_PublicListing_aYearClear" class="filter-item-clear filter-dropdown-clear">clear</a> </div> </div> </div> </div> <div id="ctl00_ctl00_body_bodyLevel_PublicListing_dMainContent" class="profile-all-opinions-content"> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl00_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl00_hTitle" aria-label="Read article: Shared finance - A gap in the industry" href="/blogposting/23465/shared-finance---a-gap-in-the-industry">Shared finance - A gap in the industry</a> </h4> <p class="card-text"> In Retail banking most account flows are relatively easy, as usually there is only 1 account holder and in the rare case there are multiple account holders each account holder has full access rights to the account. This contrary to business banking, where much more complex mandate rules are in place. Unfortunately this simplicity in Retail banking,... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-12-26 20:54:47Z">26 December 2022</time> <span class="card-channels"> <a href="/channel/people" class="card-channel-link" arial-label="link to channel: /channel/people">/people</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl00_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Banking and Lending Solutions" href="/community-group/175/banking-and-lending-solutions">Banking and Lending Solutions</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl01_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl01_hTitle" aria-label="Read article: ESG - Don鈥檛 make it a hollow marketing term" href="/blogposting/23405/esg---dont-make-it-a-hollow-marketing-term">ESG - Don鈥檛 make it a hollow marketing term</a> </h4> <p class="card-text"> ESG is a hype in many industries and the financial sector is no exception to that. But due to this hype, it also becomes difficult to understand what is exactly meant with ESG. Today it has become such a marketing buzz-word that any activity not directly related to making profit is put under the denominator of ESG. Time for a small recap therefore... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-12-14 07:47:47Z">14 December 2022</time> <span class="card-channels"> <a href="/channel/sustainable" class="card-channel-link" arial-label="link to channel: /channel/sustainable">/sustainable</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl01_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Social Banks" href="/community-group/55/social-banks">Social Banks</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl02_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl02_hTitle" aria-label="Read article: The financial sector boundaries are blurring" href="/blogposting/23211/the-financial-sector-boundaries-are-blurring">The financial sector boundaries are blurring</a> </h4> <p class="card-text"> The time that banking and insurance services were the exclusive domain of the financial services sector and vice-versa that banks and insurers were only focusing on pure banking and insurance services (like payments, cards, investments, credits and life and non-life insurance products) is long gone. With customers becoming more and more demanding ... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-11-10 17:31:03Z">10 November 2022</time> <span class="card-channels"> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> <a href="/channel/predictions" class="card-channel-link" arial-label="link to channel: /channel/predictions">/predictions</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl02_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech World" href="/community-group/156/fintech-world">Fintech World</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl03_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl03_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl03_hTitle" aria-label="Read article: Every neobank its own niche" href="/blogposting/23088/every-neobank-its-own-niche">Every neobank its own niche</a> </h4> <p class="card-text"> In some of my previous blogs (cfr. "Is a new bank consolidation wave inevitable?" - https://bankloch.blogspot.com/2021/03/is-new-bank-consolidation-wave.html and "Neobanks should find their niche to improve their profitability" - https://bankloch.blogspot.com/2020/12/neobanks-should-find-their-niche-to.html) I already shared my... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-10-18 21:32:26Z">18 October 2022</time> <span class="card-channels"> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> <a href="/channel/startups" class="card-channel-link" arial-label="link to channel: /channel/startups">/startups</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl03_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech, you get me!" href="/community-group/115/fintech-you-get-me">Fintech, you get me!</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl04_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl04_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl04_hTitle" aria-label="Read article: Digital Finance Summit 2022 - A recap" href="/blogposting/23036/digital-finance-summit-2022---a-recap">Digital Finance Summit 2022 - A recap</a> </h4> <p class="card-text"> Last week I had the pleasure again to attend the yearly Digital Finance Summit (DFS) in Brussels (organized by Fintech Belgium). As each year, this was a super-interesting and fully-packed day of interesting panels, keynotes and networking, allowing to get a good update of what鈥檚 living in the Fintech scene in general and in the Fintech scene in B... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-10-11 08:41:10Z">11 October 2022</time> <span class="card-channels"> <a href="/channel/sustainable" class="card-channel-link" arial-label="link to channel: /channel/sustainable">/sustainable</a> <a href="/channel/startups" class="card-channel-link" arial-label="link to channel: /channel/startups">/startups</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl04_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech World" href="/community-group/156/fintech-world">Fintech World</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl05_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl05_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl05_hTitle" aria-label="Read article: Fintech in Belgium - A country with unexplored potential" href="/blogposting/22925/fintech-in-belgium---a-country-with-unexplored-potential">Fintech in Belgium - A country with unexplored potential</a> </h4> <p class="card-text"> Belgium is unfortunately not (yet) a hot spot of Fintech in the world. Contrary to our surrounding countries from which several Fintech Unicorns have emerged (e.g. Qonto, Alan or SpenDesk in France, Revolut, Monzo and Starling Bank in the UK, Mollie, Adyen and Bunq in the Netherlands or Trade Republic, N26 and Solarisbank in Germany), Belgium unfo... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-09-19 20:50:59Z">19 September 2022</time> <span class="card-channels"> <a href="/channel/startups" class="card-channel-link" arial-label="link to channel: /channel/startups">/startups</a> <a href="/channel/markets" class="card-channel-link" arial-label="link to channel: /channel/markets">/markets</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl05_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech World" href="/community-group/156/fintech-world">Fintech World</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl06_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl06_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl06_hTitle" aria-label="Read article: Bring order to the Fintech chaos" href="/blogposting/22866/bring-order-to-the-fintech-chaos">Bring order to the Fintech chaos</a> </h4> <p class="card-text"> The word "Fintech" has become such a hype and such a widely used term, that it can actually mean anything today. Therefore when people ask for trends in the Fintech industry, this becomes harder and harder to answer, as anything even remotely associated with financial services can be linked to Fintech. Additionally traditional financial ... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-09-06 21:09:02Z">06 September 2022</time> <span class="card-channels"> <a href="/channel/inclusion" class="card-channel-link" arial-label="link to channel: /channel/inclusion">/inclusion</a> <a href="/channel/markets" class="card-channel-link" arial-label="link to channel: /channel/markets">/markets</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl06_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech World" href="/community-group/156/fintech-world">Fintech World</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl07_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl07_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl07_hTitle" aria-label="Read article: Refunds - A bigger problem than you would imagine" href="/blogposting/22650/refunds---a-bigger-problem-than-you-would-imagine">Refunds - A bigger problem than you would imagine</a> </h4> <p class="card-text"> Every business has to deal with refund requests. As there is (at first sight) no business added value in processing these requests (to the contrary they only cost money), very few companies invest in a fluent and efficient process for dealing with them. This in contrast to the standard check-out process, in which significant investments are done t... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-07-25 16:53:28Z">25 July 2022</time> <span class="card-channels"> <a href="/channel/payments" class="card-channel-link" arial-label="link to channel: /channel/payments">/payments</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl07_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:The Payments Business" href="/community-group/122/the-payments-business">The Payments Business</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl08_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl08_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl08_hTitle" aria-label="Read article: Helicopter money 2.0" href="/blogposting/22606/helicopter-money-20">Helicopter money 2.0</a> </h4> <p class="card-text"> With the Covid crisis (nearly) behind us, there has been a strong focus by governments worldwide on stimulating consumption in order to revive the economy as quickly as possible. This is needed in order to reduce public debts, which have exploded during the pandemic. This revival has however been so intensive, that it has led now to historically hi... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-07-18 21:43:05Z">18 July 2022</time> <span class="card-channels"> <a href="/channel/payments" class="card-channel-link" arial-label="link to channel: /channel/payments">/payments</a> <a href="/channel/inclusion" class="card-channel-link" arial-label="link to channel: /channel/inclusion">/inclusion</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl08_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Bigger than Technology" href="/community-group/105/bigger-than-technology">Bigger than Technology</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl09_hBlogger" aria-label="link to author: Joris Lochy" href="/bloggers/92058"><div class="blue-tick"><img id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl09_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_92058_joris_lochy.jpg" alt="Joris Lochy" style="border-width:0px;" /><div class="blue-tick-svg"></div></div></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <h4 class="card-title"> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl09_hTitle" aria-label="Read article: Next generation of Deals" href="/blogposting/22505/next-generation-of-deals">Next generation of Deals</a> </h4> <p class="card-text"> There is a clear trend with the young generation to be averse of credit cards. They have seen from their parents what a too high usage of credit cards can lead to and at the same time feel that credit cards are complex and lack transparency. The rise of BNPL is a clear consequence of that, i.e. these companies provide a different means to the same ... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2022-06-29 09:00:40Z">29 June 2022</time> <span class="card-channels"> <a href="/channel/payments" class="card-channel-link" arial-label="link to channel: /channel/payments">/payments</a> <a href="/channel/retail" class="card-channel-link" arial-label="link to channel: /channel/retail">/retail</a> </span> <a id="ctl00_ctl00_body_bodyLevel_PublicListing_rBlogs_ctl09_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Trends in Financial Services" href="/community-group/8/trends-in-financial-services">Trends in Financial Services</a> </p> </div> </div> </div> </div> </div> <div id="ctl00_ctl00_body_bodyLevel_PublicListing_dPagination" class="profile-all-opinions-buttons"> <div id="ctl00_ctl00_body_bodyLevel_PublicListing_pagination" class="pagination"> <nav role="navigation" aria-label="Pagination Navigation" class="pagination-navigation "><ul class="pagination-menu"><li class="page active"><a class="button button-small button-secondary" href=/community/live-opinions/92058?page=1&year=2022# aria-label="Goto Page 1"><span class="button-text">1</span></a></li><li class="page"><a class="button button-small button-secondary" href=/community/live-opinions/92058?page=2&year=2022 aria-label="Goto Page 2"><span class="button-text">2</span></a></li><li class="next"><a href=/community/live-opinions/92058?page=2&year=2022 title="Next" class="button button-small button-secondary button-icon-only" label="Goto Next Page"><span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowRight.svg'); 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