Personalisation and the drive to provide a more customer-centric banking platform underpinned by innovative technologies is a trend that ’ s driving financial services development .

Our cover company this month , Deem Finance , epitomises this ethos . In less than a year , the business has disrupted the sector through its absolute dedication to innovative , best-in-breed technologies and services that are built with the customer at their core . While many brands may state the importance of the customer to their business , Deem is resolute in its mission : to be disruptive , to combine vision and innovation , and to be more than simply ‘ another challenger bank ’.

We speak with CEO Chris de Bruin , together with several members of

Deem ’ s leadership team . de Bruin tells us that , to achieve this vision means that the company “ will never settle for ‘ good enough ’”. Read more on page 96 .

Building on this theme , Huawei ’ s Bill Genovese discusses the three core drivers disrupting the industry and creating the next-generation financial services model : technology , business model evolution and the sharing economy . The traditional sector as we know it , he tells us , is shifting from one that is no longer about developing products , but creating a lifestyle .

Our Top 10 this month looks at the top fintech innovation labs - one way in which incumbents and other institutions are adapting to those changes outlined by Genovese .

Enjoy this issue .

Matt High matthew . high @ bizclikmedia . com

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