The 9Spokes Open Journal

Discover fresh-thinking insights with The Open Journal — 9Spokes' open data content hub to inspire your forward movement.

  • Open banking today, open data tomorrow

    The open banking movement is a small part of a seismic open data trend — born from the premise that consumers own the data that their financial service providers hold. However, this should apply to all types of data.

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Opening up the data divide

  • Democratizing financial data

    As the global shift towards open data builds momentum, two approaches to adoption are emerging: bottom-up and top-down. Both with pros and cons.

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  • Open banking — what is it?

    Open banking is a relatively new initiative often talked about, rarely understood. However, legislation has long been in practice — and even longer in progress — in Europe.

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  • Lay of the open banking land

    Open banking is making waves in the banking and financial services sector and beyond. We delve into open banking’s progress across three key markets — the UK and Europe, the US, and Asia.

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  • Business lending is becoming commodified

    Lenders must differentiate via customer experience before it's too late. Great customer experience is the differentiating factor that lenders should leverage.

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  • Will every company be a consulting company?

    As datasets become disconnected from their gatekeepers, it will encourage more companies to think of themselves as consultancies — not just purveyors of services.

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  • Gen Zers are becoming business leaders

    Attention lenders, Gen Zers are becoming business leaders. Gen Z is unlike their parents' or grandparents' generations. Lenders' strategies and tactics may not necessarily carry forward.

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  • Data-driven lending post 2020

    Post pandemic, data-driven lending has evolved from a nice-to-have option to an inevitability.

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  • A new paradigm for businesses and lenders

    Lenders of all sizes believe a key differentiator is their customer relationship management capability. The pandemic has thrown that in disarray, and volatile economic conditions make the need for access to regularly updating customer data increasingly pertinent to inform lending decisions.

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  • Businesses are becoming more digitally fluent

    Lenders take note. The pandemic was the forcing function that businesses needed to adopt and integrate more business technologies into their operations. This means that things need to change to meet your more digitally engaged business customers where they are.

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