Explorez tous les épisodes du podcast FinTrends

Why move from Open Banking to Open Finance?

Join Bruno Cambounet, Head of Research at SBS, on this podcast journey as he unravels the limitations of Open Banking and the necessity to transition towards Open Finance.

FinTrends, a podcast series by SBS, brings you insightful discussions on the hottest topics in the finance sector. Don't miss out on the latest insights into the dynamic world of Open Banking.

Find more insights, news, and articles in our blog.

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As the Head of Innovation at SBS, Alexandre Eich Gozzi has been deeply passionate about cryptocurrencies since 2012. A decade after founding the cryptocurrency department at SBS, he’s back with fresh insights. Join him as he tackles a pressing question: "Are cryptocurrencies the future of money or just a fleeting trend?"

Dive in to hear Alexandre's take on the environmental impact of crypto, whether it can withstand the rise of the digital euro, the security challenges it faces, and why banks should invest in this space—and why many haven't yet.

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In this episode, tune in to Christophe SORRÉ, IBM France CTO for Financial Services & Consumer Industry, as he unravels how generative AI is shaking up the banking and financial industry...

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Dive into the dynamic world of Open Finance as it carves out its space within the banking landscape. While Open Banking’s definition remains elusive, Europe has adeptly outlined the contours of Open Finance. With this paradigm shift, we’re not just defining finance; we’re sculpting a future where finance serves both individuals and businesses. It’s a thrilling journey as we construct the finance of tomorrow in an open world that extends far beyond finance!

Find more insights, news, and articles in our blog.

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FinTrends is a podcast series launched by SBS to delve into the hot topics of the finance sector. And right now, Open Banking is the talk of the town…

While we've been tossing around the term 'Open Banking' for about a decade, it's evolved into a multifaceted subject, far from being crystal clear in its essence.

So, what's really behind this marketing buzzword? That's precisely what we unravel in this three-episode series.

Our guest, in this series aims to keep the focus on what is really relevant. He guides us in understanding the purpose of Open Banking, its limitations, and what we currently need to foster the development of tomorrow's value-added services.

To bring back what is really important, we take a trip down memory lane to the genesis of this concept born in the early 2000s…

Find more insights, news, and articles in our blog.

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“Every little bit counts”. Throughout the podcast, Bettina keeps repeating this phrase which, like an anaphora, punctuates the discussion, highlighting both the impactful achievements companies can aim for and the meaningful contributions employees or individuals can make on their own toward net-zero software operations.

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Directeur de l'Innovation chez SBS, Alexandre Eich Gozzi est passionné par les cryptomonnaies depuis 2012. Une décennie après avoir fondé le département des cryptomonnaies chez SBS, il revient avec des perspectives fraîches. Rejoignez-le pour explorer une question cruciale : « Les cryptomonnaies sont-elles l'avenir de l'argent ou une tendance à bout de souffle ? »

Écoutez Alexandre démêler la réalité derrière l'impact environnemental des crypto, déterminer si les cryptomonnaies survivront à l'euro numérique, explorer les défis en matière de sécurité, et comprendre pourquoi les banques devraient investir dans les cryptomonnaies et pourquoi beaucoup ne l'ont pas encore fait...

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Christophe SORRÉ, CTO de l’industrie des services financiers & de la grande distribution chez IBM France, décrypte la façon dont l’IA générative révolutionne l’industrie bancaire et financière. Découvrez l'ampleur de cette disruption qu'il compare à l'impact du cloud computing comme nouveau paradigme de consommation des services IT, il y a plus de 20 ans...

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Alors que l'on parle de l'Open Banking depuis une dizaine d'années, c’est un sujet devenu protéiforme et dont l’objet est finalement loin d’être précis.

À quoi sert l’Open Banking ? Quelles sont ses limites ? De quoi avons-nous aujourd’hui besoin pour développer les services à valeur ajoutée de demain ?

Dans cet épisode, notre invité nous explique comment le partage des données a permis la collaboration en temps réel entre les banques et les fintechs. Mais aussi, pourquoi il est nécessaire d'aller vers l'Open Finance.

Il répond à toutes nos interrogations, c’est Bruno Cambounet, Head of Research chez SBS. Ça se passe sur FinTrends : une série de podcasts lancée par Sopra Banking Software pour traiter les sujets brûlants du secteur de la finance.

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Où en sommes-nous exactement en 2024 ? Dans cet épisode, plongez dans le monde dynamique de l’Open Finance, qui se fraye une place de choix dans le paysage bancaire. Alors que la définition de l’Open Banking reste floue, l’Europe a habilement défini les contours de l’Open Finance. Avec ce changement de paradigme, nous ne nous contentons pas de redéfinir la finance ; nous façonnons un avenir où la finance sert à la fois les particuliers et les entreprises. C’est un voyage palpitant où nous construisons la finance de demain dans un monde ouvert qui dépasse largement les frontières de la finance !

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Comment est apparu l’Open Banking ? Qu’est-ce que ça signifie ? Quand le concept a-t-il explosé ? À quelles menaces et comment  les banques ont-elles réagi ? Et quel rôle décisif le régulateur a-t-il joué ? Où en est-on aujourd’hui ? Allons nous vers la finance ouverte ? Comment ? Qu’y a-t-il derrière tous ces buzzwords marketing ? Et tant d’autres….

Alors que l’on parle d’ « Open Banking » depuis une dizaine d’années, c’est un sujet devenu protéiforme et dont l’objet est finalement loin d’être précis.

Dans cette série de 3 épisodes, notre invité veut “remettre l’église au centre du village”. Il nous aide à comprendre à quoi sert l’Open Banking, quelles sont ses limites, et ce dont nous avons aujourd’hui besoin pour développer les services à valeur ajoutée de demain.

Et pour replacer l’église au centre du village, nous commençons par les fondamentaux, dans ce premier épisode, en revenant sur la genèse de cette notion née au début des années 2000…

Il répond à toutes nos interrogations, c’est Bruno Cambounet, Head of Research chez SBS. Ça se passe sur FinTrends : une série de podcasts lancée par Sopra Banking Software pour traiter les sujets brûlants du secteur de la finance.

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What if AI could transform the relationship between a building society and its members, without compromising trust? In this new episode of Fintrends, Dana Lunberry, Head of Data Analytics and AI at SBS, shares a concrete, brand‑led approach to AI: how data can be used to create interactions that are more useful, more personalized, and above all more reliable, at a time when fraud is on the rise and trust is becoming a true competitive advantage. An inspiring conversation on finding the right balance between AI and human interaction, when financial decisions really matter.

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Why do up to 60% of customers abandon digital onboarding? How can banks turn friction into a smart advantage for growth and compliance? In this episode of FinTrends, Hassan Nasser, Deputy General Manager for Digital Engagement at SBS, shares practical insights on reducing drop-offs, leveraging digital ID wallets, and transforming origination into a seamless, engaging experience. Tune in to discover how banks can move from “widget soup” to unified journeys, and why compliance can become your competitive edge.

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What if banking wasn’t something you did, but something that simply happened? In this episode, we explore how financial services are vanishing from view and embedding themselves into everyday life. From AI-powered personalization to real-time payments and open finance, discover how banks are transforming into silent partners: anticipating your needs, automating decisions, and delivering seamless experiences before you even ask. Join us as we decode the rise of invisible banking, where friction fades, trust deepens, and finance becomes intuitive, ambient, and everywhere.

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In this episode, we explore how next-gen core banking platforms are transforming the industry, one customer journey at a time. Our guest, Valmina Prezani, Head of Product Management for Digital Core at Sopra Banking Software, walks us through what it really means to build a core system around customer needs, not just operational efficiency. From shifting expectations in both retail and corporate banking to the challenges of moving away from legacy systems, we unpack what’s holding banks back and how a modern core can be a true strategic enabler. Valmina also shares real-world examples, best practices, and advice for banks ready to modernize without disrupting what matters most: the customer experience. Let’s dive in.

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In this powerful episode, we dive into how gender bias in AI isn't just a tech problem—it's a sustainability issue, too. Join Bettina (Head of Sustainability at SBS), Dana (AI & Data Analytics Lead at SBS), and Shalien (Head of Product Design at SBS)—as they break down the hidden connections between inclusive technology and environmental impact : Why does AI often disadvantage women and marginalized communities? How can fairer algorithms also be greener? What are banks doing to design apps that really work for everyone?

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À l’approche du Connect France 2026, Jean-Yves Duchosal, Product Manager Crédits & Risques chez SBS, partage sa vision des enjeux majeurs du secteur bancaire. Cet événement, centré sur l’innovation, la souveraineté des paiements et la modernisation des systèmes, mettra en lumière, entre autres, les transformations du CIB (Corporate & Investment Banking), un marché en pleine effervescence avec 3 000 milliards de dollars de revenus mondiaux. L’essor du private credit, la révolution technologique (IA, data, cloud) et la convergence entre crédit classique et CIB redéfinissent les règles du jeu. Les banques doivent désormais allier agilité, expertise client et modernisation pour rester compétitives, tout en jouant un rôle clé dans la transition énergétique. Un épisode essentiel pour décrypter les tendances qui façonnent la banque de demain !

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Regulatory reporting is evolving, fast. With tighter deadlines, exploding data volumes, and game-changing tech, banks face a pivotal moment. How can they turn compliance into a competitive edge? Sébastien Polèse, General Manager for Reporting & Risk at SBS, joins us to unpack the future: from breaking data silos to leveraging AI for real-time insights. Tune in to discover how leading institutions are rethinking regulatory reporting for 2026 and beyond.

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Et si la finance commençait vraiment par le terrain ? Dans ce nouvel épisode Fintrends, je reçois Camil Bennani‑Smirez, General Manager SBP Core Amplitude chez SBS, à l’occasion de l'événement Connect MEA, à Doula (24 mars) et Abidjan (26 et 27 mars). Camil y raconte comment un événement né il y a quelques années à Abidjan est devenu un rendez‑vous incontournable pour les banques africaines, au point d’inspirer toutes les régions de SBS. Entre inclusion financière, microfinance, data, IA et digitalisation, il partage une conviction forte : ce sont les solutions pensées localement (parfois co‑designées directement avec les clients) qui transforment réellement l’accès aux services financiers. Un échange résolument ancré dans les réalités africaines.

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What if finance really did start at the grassroots level? In this new episode of Fintrends, I’m joined by Camil Bennani-Smirez, General Manager of SBP Core Amplitude at SBS, ahead of the Connect MEA event in Douala (24 March) and Abidjan (26 and 27 March). Camil explains how an event launched a few years ago in Abidjan has become an unmissable gathering for African banks, to the point of inspiring all regions within SBS. Spanning financial inclusion, microfinance, data, AI and digitalisation, he shares a strong conviction: it is locally devised solutions (sometimes co-designed directly with clients) that truly transform access to financial services. A discussion firmly rooted in African realities.

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What does it really take to be a modern lender in 2026? In this episode, James Powell, Head of Lending, Global Accounts and Market Development at SBS, shares a clear-eyed view on why lenders are becoming technology companies, why focus matters more than ever, and where real value is created across the lending journey. From AI and SaaS to customer experience and trust, this conversation cuts through the noise to what truly drives progress.

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In this episode, we sit down with Andrew Steadman, Chief Product Officer at SBS, to explore the lending trends borrowers will genuinely feel this year and beyond. We cut through the noise around AI to look at where it is actually delivering value for borrowers, and where it’s falling short due to poor data quality, lack of transparency, and trust issues. Andrew shares how better use of data, particularly through open banking, can lead to fairer, more informed loan decisions that protect both lenders and borrowers. We discuss why explainability is critical for AI-driven decisions, what lessons the industry has learned the hard way, and how regulation is shaping a more transparent future. The conversation also turns practical: what are the first simple steps lenders can take to make real progress without overhauling their entire systems? Finally, we fast-forward two years to imagine what lending could look like, what will be faster, cheaper, or safer, what role humans will still play, and why the borrower experience at the point of need remains the biggest opportunity for change.

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Banks have spent the last few years experimenting with artificial intelligence, but experimentation and real-world deployment are two very different things. Today, only around a third of banks have managed to scale AI into a core process. This is why SBS AI Foundation was built to help banks move from AI experiments to real-world deployment by making their data AI-ready and embedding secure, governed AI directly into their existing banking platforms.

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As UK Connect 2026 approaches, we sit down with Richard Broadbent (Head of Growth & Customer for UK&Ireland) to explore what’s shaping the future of banking, and why this year’s event puts a strong spotlight on AI-enabled digital transformation. Indeed, AI is everywhere in banking… But what does it really take to move from experimentation to real transformation? In this episode, Richard Broadbent shares his perspective on one of the most disruptive shifts the industry has ever faced, and why getting the foundations right is key. From trust and governance to data and real use cases, we explore how banks can turn AI into tangible value, not just hype.

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