Journal of Digital Banking

2016 - 2025

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Volume 9, issue 4, 2025

Editorial pp. 292-293

Simon Beckett

Embedded finance: An evaluation of current and future use cases pp. 294-316

Silke Finken and Joris Hensen

Artificial intelligence ethics in financial services pp. 317-325

Keith B. Carter and Andrew Cave

Lessons learned from partnerships between banks and FinTechs: A game of value chain transformation pp. 326-339

Danijela Vukoslavović and Ivica Tatar

Opportunities for digital banking: Lived experiences of financially vulnerable customers in the UK pp. 340-352

Karen Elliott, Jehana Copilah-Ali and Magdalene Ng

The innovation paradox in banking pp. 353-372

Wasim Mushtaq

The marriage of application programming interface conformance and trust frameworks: Balancing innovation and security in open banking pp. 373-382

Mike Woods and Todd Schweitzer

Volume 9, issue 3, 2024

Editorial pp. 196-197

Simon Beckett

The future of financial services is not what it used to be: How can incumbent banks compete? pp. 198-210

Zilvinas Bareisis and Bob Meara

Beyond compliance: A new narrative for corporate banking with digital know your customer management — Navigating risks, unlocking opportunities pp. 211-221

Marcus Heidenhof and Jonas Manske

Analysis of the current status and development path of digital transformation in Chinese commercial banks pp. 222-237

Huang Kaihui, Zhang Yi, Wang Hao, Xiao Zhengjin and Yang Bo

Can the Digital Euro be made attractive to all key stakeholders? pp. 238-258

Michael Salmony

How the instant payment central infrastructure can be a payment solution at the same time — the Hungarian example pp. 259-272

Róbert Kiszely, József Czimer and Máté Biró-Lebovits

COVID-19 has not killed merchant acceptance of cash: Results from the 2023 Merchant Acceptance Survey pp. 273-286

Angelika Welte, Katrina Talavera, Liang Wang and Joy Wu

Volume 9, issue 2, 2024

Editorial pp. 100-101

Simon Beckett

Essential requirements for central bank digital currency pp. 102-109

David Chaum and Thomas Moser

Development of optimised causal AI and its application in retail banking pp. 110-117

Sai Chaitanya Molabanti, Lakshmi Kiran Kanchi, Venkateshwarlu Sonathi and Rajanikanth Annam

Navigating ISO 20022 maintenance in a connected world: A vision for harmonisation pp. 118-128

Melissa Gauci

Leadership evolution in the age of artificial intelligence pp. 129-137

Aris Jerahian

The evolution of exceptions and investigations messaging and flows pp. 138-149

Chloe Jenkins

The new era of Bitcoin: Profits, progress and potential in the inscription-driven crypto industry pp. 150-171

Hui Gong and Han Wang

Low/no-code and traditional code integration in digital banking pp. 172-188

Yeo Kim Siang and Alan Megargel

Volume 9, issue 1, 2024

Editorial pp. 4-5

Simon Beckett

Big Data in the financial industry: Applications, potential and regulatory approaches pp. 6-18

Joachim Wuermeling and Nils Müller

The journey towards a responsible AI future: Hype, fear and hope pp. 19-29

Theodora Lau

Data science in economy and finance: A central bank perspective pp. 30-48

Douglas Araujo, Giuseppe Bruno, Juri Marcucci, Rafael Schmidt and Bruno Tissot

Reskilling for the future: Enabling colleagues with a digital mindset who are ready for a future global digital era and platforms pp. 49-66

Helen Packard and Louise Liu

Innovations and resilience in Thailand’s payment ecosystem: A comprehensive analysis — Connectivity initiatives, challenges and solutions pp. 67-85

Budsakorn Teerapunyachai and Yanin Bawornkitchaikul

Enhancing the quality of banking technology platforms through a hybrid AI testing approach pp. 86-95

Iosif Itkin and Elena Treshcheva

Volume 8, issue 4, 2024

Editorial pp. 292-293

Simon Beckett

Strategies for commercialising open banking: Approaches from around the globe pp. 294-303

Shruti Awasthi

Secrets to successful bank and FinTech partnerships for credit and deposits pp. 304-312

Rebecca Bacon

Compliance redefined: Using GenAI to navigate a complex regulatory landscape with reduced risks and costs pp. 313-322

Irene Liu and Michael Wongsosaputro

Expanding the horizons of FinTech: A comprehensive geographical analysis of expansion in Europe and beyond pp. 323-329

Axel Cateland

The role of bank–FinTech partnerships in creating a more inclusive banking system pp. 330-354

Alan Chernoff and Julapa Jagtiani

Why open data and compliance will drive open banking and the role AI will play pp. 355-363

Abhinav Desai

Ensuring operational resilience in Japan: The rise of new regulations and their implications pp. 364-380

Eiichiro Yanagawa

Volume 8, issue 3, 2023

Editorial pp. 196-197

Simon Beckett

Hyper-personalisation: Inducing behaviours through data — how machine learning and automation can help customers make valuable and informed decisions pp. 198-209

Luís Coelho and Gonçalo Cachola

Data strategy in connected business models pp. 210-219

Christoph Berentzen and Benjamin Schaefer

Operationalising ethics for AI in the financial industry: Insights from the Volksbank case study pp. 220-241

Joris Krijger

Unmet payment needs and a central bank digital currency pp. 242-255

Christopher Henry, Walter Engert, Alexandra Sutton-Lalani, Sebastian Hernandez, Darcey Mcvanel and Kim Huynh

How to use AI to shape efficient digital and omnichannel experiences pp. 256-262

Jeremy O’Niel

New skills in an AI world in finance pp. 263-274

Tram Anh Nguyen

Personalisation as a strategy for reversing traditional banks’ market share erosion in primary financial relationships and how to get started pp. 275-285

Katie Pagenkopf

Volume 8, issue 2, 2023

Editorial pp. 100-101

Simon Beckett

Generative artificial intelligence and large language models for digital banking: First outlook and perspectives pp. 102-117

Jean-Pierre Sleiman

Banks offer crypto: Why doesn’t yours? pp. 118-131

Sai Agnikhotram, Fritz Jost and Simon Kühne

Where are the customers’ bots? The AI paradigm shift in retail banking pp. 132-140

David G.W. Birch and Kirsty Rutter

Effective risk management for financial institutions’ partnerships with FinTechs pp. 141-158

Meredith F. Piotti

What is the hype about hyper-personalisation? A three-dimensional view to implementation pp. 159-167

Mirella Reznic

The next digital inflection point for US banks pp. 168-175

Michael Carter

How RegTech tools enable regulatory compliance for cryptoassets: A case study for cryptoasset transaction monitoring pp. 176-189

Magdalena Boškić

Volume 8, issue 1, 2023

Editorial pp. 4-5

Simon Beckett

How can banks continue digital transformation in a downturn? pp. 6-12

Rishi Khosla

Optimising the customer experience: Lessons for banks from tech giants pp. 13-29

Silke Finken and Katharina Rusp

Best practices and important considerations for AI and digital transformation in an economic downturn pp. 30-36

Brendan Deakin

Evolving consumer expectations and the future of digital banking pp. 37-48

Srini Kasturi

Moving towards the scalable service-oriented data management organisation at OTP Bank pp. 49-57

Gergely Babos

Modernising intra-day liquidity optimisation for commercial banks pp. 58-64

Jeremie Feuillette, Will Towning and Kimmo Soramäki

The future of cryptocurrency and Blockchain technology in finance pp. 65-76

Wong Wanyi and Alan Megargel

Account aggregator ecosystem: A step towards revolutionising digital lending in India pp. 77-89

Venkat Yellapantula and Venu Madhav Miriyala