About Dr. Hansjörg Leichsenring

Dr. Hansjörg Leichsenring befasst sich seit über 30 Jahren beruflich mit Banken und Finanzdienstleistern und verfügt über die Bankleiterqualifikation nach §33 KWG. Nach Banklehre und Studium arbeitete er in verschiedenen Positionen, u.a. als Direktor bei der Deutschen Bank, als Vorstand einer Sparkasse und als Geschäftsführer eines Online Brokers. Aktuell bietet er Banken und Finanzdienstleistern Dienstleistungen im Bereich (Interims)Management und Beratung/Consulting an und vertritt die Firma Meniga, einen innovativen Anbieter von White-Label-Lösungen für Persönliches Finanz Management (PFM) im deutschsprachigen Teil Europas. Darüber hinaus hält er Vorträge bei internen und externen Veranstaltungen im In- und Ausland.

New mobile business models in #Banking?

New providers are emerging all the time, often enabled by technology and focused on delivering a fresh, relevant experience for the customer. Two examples are N26 of Germany and Canada’s Koho, both of which place an emphasis on mobile banking and putting more control in the hands of customers.

Are these businesses a sign of what the future holds for retail banking, and what could that mean for established financial institutions?

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Are there branches in the Star Trek universe?

Yet, with new technologies emerging faster than ever, I’m having to ask myself whether there is indeed a future for branch banking. In these situations, I often find it is helpful to refer to the great predictor of technological trends – Star Trek. Star Trek predicted tablets, universal translators, natural language computing, and hand held communicators well before technology was ready to make them a reality.

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“Open Banking” in a nutshell

The terms “Open Banking” or “API Banking” comes up quite often in discussions about the future of Banking and finance. the term is also used to describe two pieces of financial regulation: The competition and Market Authority’s (CMA’s) ‘Open Banking Remedy’ and the European Payment Services Directive 2 (PSD2).

But what does this mean in conrete?

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Do not look at the Branch of the Future but at the Branch of the Now

Enough with the talk of the branch of the future. The branch of the future is something I’ve been hearing about since I entered the banking industry in 1986. Guess what? Nothing has really changed that much. So welcome to the future which is really here, and now. Outside your branch doors a digital revolution is occurring at this very moment. Sure, there will be ever more technology in our future and it will never go away. However, when it comes to retail banking, the digital world now overshadows the analog world of branch banking. In other words, most of you, my banking friends, live in the past. Want to catch up?

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A simple introduction to crypto-currencies

Crypto-currencies (bitcoin et al) have caught the attention of Governments, enforcement agencies, geeks and the general public. This document provides a simple introduction to crypto-currencies and briefly introduces terms such as cryptography, hash functions, proof-of-work, digital signatures, mining, merkle root & tree, crypto-currency addresses and wallets. This document is intended for the novice reader and may suffer from errors inherent when a complex topic is (over?) simplified.

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