Create a User experience friendly, agile and hyper-personalized. But also to break down barriers to entry, which hinder access to many customers, making today's complicated processes - those of traditional banks - agile. This is the objective of Fintech, but also of all companies that approach the world of digital payments.

These are the topics of the discussion between IBM and PayPal, the 'giants' of the sector, and Noonic, to represent the 'new school' of digital banks. They brought their testimony to the third event of “Wine for Thought — A glass to savor the future”, the event organized by Crclex and Blum in collaboration with IBM, Infocert and Sanmarco Informatica, which yesterday, November 11, saw the discussion on digital payments ignited in the ancient Padua bastions of the Massimago Wine Tower.

“AI is not limited to chatbots - he points out Walter Aglietti, software lab director at IBM -. To bring this technology into the company, it is necessary to work on good practices, the best practices to optimally manage what you already have. You can't think of systems as separate units: the process should be a chain. Artificial intelligence is not a magic wand, but it may be the possibility that helps us to pull our feet out of the mud, where we cannot reach on our own. All the elements, taken individually, are of no use.”

“What is a fintech company? It is a company that deals with payments and transitions, differently from banks, and that is willing to solve a problem — he explains Gianluca Di Nunzio, head of legal Spain Italy and Portugal at PayPal -. Know how to create a friendly user experience, in which the user's problems are solved. Speed, security and simplicity are the keywords. The “traditional” banking systems were (and still are) seen as legally complex and with which every interaction became difficult: there was a need to modernize, to go on an agile format. Listen to needs and adapt to needs that may vary, trends that may change.”

“In England, fintechs are emerging, which then want to help to streamline many of today's complicated processes, to make banking different,” he says. Nicola Possagnolo, managing partner of Noonic -. For example, Revolut, which is growing at a crazy speed, in a market that expects to have a direct relationship with the bank, increasingly likely to be less 'fear'. Today it is normal to have numerous bank accounts, which are opened and closed as needed, based on the advantages it offers. The bank's objective must be to create a complete customer profile, to speak directly and personally. This is exactly what digital banks have done: lower access to the bank to the minimum, remove barriers to entry: free registration, even cancellation. Hyper-personalization, in the best possible way.”

Next appointment on November 25, again at the Massimago Wine Tower for “Digital Identity”, with the testimony of Infocert.

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