Investment Management Archives

Innovation at a turning point: How tokenisation, AI and new investor expectations are reshaping Asset Management

Posted on January 26, 2026January 26, 2026 by Melanie Lopes

At Reseo, we know that not everyone has the time to listen to every podcast episode in full. That’s why, alongside each conversation in our State of the Art series, we publish a clear, concise written summary — capturing the most important ideas, themes and insights for readers across our industry.

In this edition, we distil the key messages from our conversation with John Allan, Head of Innovation and Operations at the Investment Association, about the forces redefining investment management today — from tokenisation and AI to fund modernisation, ESG data and the expectations of a new generation of investors.

Tokenisation Enters the Mainstream

Tokenisation has long been discussed as a theoretical possibility, but the past year marked a decisive shift toward real adoption. Several tokenised funds have now launched in the UK, demonstrating that distributed ledger technology (DLT) can serve as the shareholder register for investment funds — a development the Investment Association refers to as investment fund tokenisation.

This momentum will accelerate further as the UK prepares to issue its first digital gilt, lending legitimacy to tokenised assets within capital markets and strengthening the bridge between government issuance and the buy side.

AI: Incremental Gains Today, Transformational Potential Tomorrow

AI now touches nearly every part of the investment value chain. The gains currently visible are incremental — automating tasks, improving accuracy, speeding up processes — but the longer-term potential is far more significant. Firms recognise they must experiment proactively, even as they navigate varying regulatory approaches across the EU, US and UK. The UK’s principles-based stance creates uncertainty but also offers the freedom needed to innovate.

ESG and the Data Challenge

While enthusiasm for ESG remains strong, inconsistent measurement frameworks and data reliability issues continue to challenge the industry. With multiple methodologies and definitions competing in the market, firms still struggle to translate ESG information into decision-useful insights. More standardisation is needed before ESG data can fully support long-term investment strategies.

The Rise of the Digital Investor

A generational shift is also reshaping innovation priorities. Digital-native investors expect immediacy, transparency and intuitive digital experiences, often comparing the ease of buying crypto with the friction of investing in regulated funds. To respond, the Investment Association’s Investment Fund 3.0 initiative aims to modernise fund structures by improving liquidity, accelerating settlement, removing paper and making fund interactions more intuitive.

Where Firms Should Focus Next

As innovation accelerates — from quantum technologies to satellite-derived data — firms must be selective about where they invest their resources. Successful organisations will treat innovation as a strategic pillar rather than an optional add-on, embedding technology awareness across the entire board rather than relying on a single specialist. They will allocate meaningful budget to experimentation, accept that some initiatives will fail, and learn quickly from those that succeed. And they will increasingly look beyond their own walls, partnering with fintechs and external innovators to solve operational challenges faster and more efficiently. In a landscape where the pace of change is accelerating, firms that adopt this mindset will be best positioned to navigate what comes next.

Click here to listen to the full recording regarding this article.

Beyond AML: Innovation Drives Shaping the Future of Investment

Posted on January 13, 2026January 13, 2026 by Melanie Lopes

The festive season is behind us, and we hope the year has started well for you, spent with family and friends.

Over the past few episodes, we have explored a wide range of topics across financial crime, regulation, onboarding, and documentation trust. In our most recent episode, we focused on documentation trust and examined the growing role of AI — discussing both its opportunities and its limitations, and how these may shape the investment industry in the years ahead.

In this new episode, we are joined by John Allan, Head of Innovation and Operations at The Investment Association, and a leading voice in shaping how the UK investment industry adapts to emerging technologies and regulatory change.

John is in conversation with Pierre-Yves Rahari, Co-Founder of Reseo, for a deep-dive into innovation in the investment management industry. Together, they explore the major forces currently reshaping the sector — from tokenisation and AI to operational resistance, fund modernisation, and the accelerating pace of change.

The discussion looks beyond theory to address how firms can navigate these shifts in practice, and what it really takes to apply innovation in real time.

Guest
• John Allan, Head of Innovation & Operations, The Investment Association

Host
• Pierre-Yves Rahari, Co-Founder, Reseo

Producer & Editor
• Melanie Lopes, Sales & Marketing Associate, Reseo

Thanks for listening to the Reseo State of the Art podcast – you can find us here and on Spotify.

Financial Crime Goes Global: How Europe Is Fighting Back

Posted on November 5, 2025December 9, 2025 by Melanie Lopes

In the latest episode of “State of the Art,” Reseo’s podcast on innovation, regulation and trust in investment management, host Pierre-Yves Rahari sat down with Giles Swan, Public Policy and Regulatory Consultant, to explore how financial crime is evolving and how Europe is responding.

In this article, we look at how financial crime has become a truly global and technology-driven phenomenon, how the EU’s new Anti-Money Laundering Authority (AMLA) and AMLD6 directive aim to tackle it, and how technology is reshaping compliance and supervision across the investment industry.

The Globalisation of Financial Crime

Financial crime has long been part of the financial landscape, but its scale and sophistication have changed dramatically. According to the UN Office on Drugs and Crime, money laundering alone accounts for an estimated 2–5% of global GDP — between USD 2 trillion and 4.5 trillion annually.

“Those are huge numbers,” said Giles Swan. “They represent a significant issue not only for governments and regulators, but also commercially for firms that want to remain viable in a fast-evolving landscape.”

What’s new is the globalisation of financial crime. Enabled by technology, perpetrators now operate across jurisdictions, using digital networks to obscure ownership and move funds instantaneously. “We are not just dealing with local actors anymore,” Swan explained. “Technology has turned financial crime into an inherently cross-border challenge — involving both state and private actors with far greater sophistication than before.”

Europe’s Coordinated Response: AMLA and AMLD6

In response to this expanding threat, Europe is reshaping its anti-money-laundering (AML) and counter-terrorist-financing (CTF) framework. The creation of AMLA — the new European Anti-Money Laundering Authority, headquartered in Frankfurt — marks a major shift toward a coordinated, supranational model.

Historically, EU member states managed financial crime at the national level, resulting in divergent rules and supervision. AMLA’s mandate is to harmonise oversight and directly supervise certain high-risk, cross-border entities. “This is about joining up the dots,” said Swan. “The idea is to ensure that regulation keeps pace with the cross-border nature of financial crime, rather than being fragmented by national boundaries.”

Alongside AMLA, the sixth Anti-Money Laundering Directive (AMLD6) and accompanying AML Regulation aim to strengthen consistency across the EU. A key feature is the Ultimate Beneficial Ownership register, designed to improve transparency by requiring firms to identify and verify the individuals behind corporate structures — a move that will have deep implications for investment managers, fund administrators, and service providers.

“These rules demand greater use of technology,” Swan noted. “Manual processes that were once sufficient under earlier directives won’t be enough. Firms will need systems that can handle complex ownership structures efficiently.”

Collaboration, Technology, and Compliance in Practice

As regulations tighten, investment firms are re-evaluating their compliance frameworks. The focus is shifting from reactive reporting to proactive data analysis and technology-driven detection.

“The landscape is inherently technological now,” Swan said. “In the crypto-asset sector, for example, blockchain analytics tools like chain analysis are being used directly to track and prevent financial crime. That’s a model from which the traditional asset management industry can learn.”

He points to a convergence between RegTech (for firms) and SupTech (for regulators). Both sides are exploring how AI, distributed ledger technology, and real-time data can improve risk identification and reduce false positives. “There’s an exciting partnership potential here,” Swan added. “Regulators don’t need to reinvent the wheel — they can build on what the industry has already developed.”

The Road Ahead: A Smarter Regulatory Future

As enforcement becomes more coordinated, firms can expect more cross-border actions and deeper scrutiny of control frameworks. Yet the shift also presents an opportunity: greater regulatory convergence across the EU could reduce friction for compliant firms and enhance trust with clients and counterparties.

Swan emphasised that boards have a central role to play. “Every board should ask two questions,” he advised. “First, how are our financial crime policies being implemented in practice? Second, what is our weakest link? That’s where the greatest exposure lies — whether in a management company, fund structure, or service provider.”

Ultimately, fighting financial crime requires a balance of vigilance, collaboration, and technological innovation. “The good news,” Swan concluded, “is that regulators and industry are finally moving in the same direction.”

Click here to listen to the full podcast based on this article.

Digitalisation is the new era: Are industries keeping up to transform corporate client onboarding?

Posted on July 30, 2025August 5, 2025 by Melanie Lopes

In a world where digital touchpoints define the client journey, onboarding remains the first true test of innovation.

Opening a personal account with a neo bank has been revolutionised with the smartphone and all we need is our passport, proof of address and the camera on our phone. Based on this input, various checks are carried out in the background and 10 minutes later you can start using your account and a digital bank card.

How different this is for corporate onboarding; papers are sent via email, post and sometimes still even fax, endless requests for clarification leading it to take on average 4-5 weeks before the ok is given. It is a far cry from the retail sector account opening.

Equally, technologies like AI are undermining the traditional ways of manual checking documentation and fake data such as a complete set of fake company structures and documentation can be created in no time undermining the trust in documents [1].

Change is nevertheless on its way due to technological advancements e.g. AI, cloud computing, API’s, detection and zero trust document technology, OCR (Optical Character Recognition and LLM (Large Language Models).

Regulators also pinch in and are pushing for change and moving towards perpetual compliance. The enhanced EU AMLR regulation – aiming to harmonize compliance obligations for banks, crypto-asset service providers, real estate agents, legal professionals, and other obliged entities, Regulation 2024/1624 [2] – is just around the corner with implementation by July 2027. Whereas the EU Anti-Money Laundering Authority (AMLA, the first centralised EU authority for direct EU wide supervision of AML/CFT compliance) has just set up a shop in Frankfurt.

Market expectations are shifting, and the need for speed to benefit from market opportunities in investment management, industry trading and corporate banking, to name a few, should not be upheld by paper based processes.

Last but not least, the consistent increase in the cost of AML/CFT compliance can only be mitigated if we address the current outdated way of working.

To move away from the manual checks of documents, we need to shift to a technology driven verification of corporate data and information (not stale documents), to create real-time insights in corporate structures, activities, decision makers and (ultimate) beneficiaries.

The road to change is mired with obstacles of legacy infrastructure, risk averse organisations, current over engineered processes (to be replaced instead of replicated), interoperability of systems and platforms while remaining within the boundaries of legislation like GDPR.

At Reseo, we understand these challenges and we believe that digital onboarding is not just a process but a client experience differentiator whereby the Reseo modular, technology driven, secure and client centric e-ID is a digital wallet that can be shared with any counterparty on the platform. To transform corporate client onboarding, we blend technology and investor-centric services, ensuring continued financial trust while future-proofing the industries for the digital generation. AML/KYC is just our starting point.

[1] Xavier Hamori, KYC in 2025: The Collapse of Document Trust, June 1, 2025

[2] Europa.eu. (2024). Regulation – EU – 2024/1624 – EN – EUR-Lex. [online] Available at: https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng.

Speed Matters: How Fintech Empowers Smarter, Faster, Client-Centric Investment

Posted on June 23, 2025August 5, 2025 by Melanie Lopes

In today’s interconnected digital world, a client’s journey is far from linear. It is a continual shifting of experience influenced by emerging technology, changing expectations, and the current market. The investment management industry is no exception; it is undergoing a significant transformation driven by technology and clients’ evolving demands, particularly corporate and institutional ones. Fintech has also moved from a complementary function to an integral part of the business strategy. Firms that understand how to leverage fintech innovations well are better positioned to meet their clients’ needs and, therefore, more likely to survive in an ever-changing competitive landscape.

Here’s why it matters:

• Client Expectations Are Redefining the Experience

Corporate clients now expect the same level of digital sophistication they benefit from in consumer technology, such as real-time reporting, mobile access, AI-generated insights, and frictionless digital onboarding. For investment managers, keeping up to date on the fintech landscape is essential to meeting client expectations for improved processes and smarter, faster, and more intuitive services. If firms allow technology to fall behind, there’s a great risk of not meeting client expectations, client retention, and overall performance.

• Efficiency through Technology: A Strategic Advantage

Embracing technology can distinguish businesses in today’s market. By using automation, AI, and data integration, companies can streamline operations and manage complex portfolios more effectively. Early implementation of these tools usually results in improved scalability, reduced expenses, and more responsiveness, freeing teams to concentrate on critical strategic initiatives and relationship-building. In the end, tech-driven efficiency lets companies realise their actual capacity.

• Data Is the New Alpha

Fintech is revolutionising investment decision-making using alternative data sources, advanced analytics, and machine learning algorithms. Those companies making the most of this data are making better sense and more accurate predictions, allowing them to create customised solutions for their clients. Those who do not keep pace are doing so at their own risk and will lose out on the competitive insights that data science has to provide.

• Tech Enhances Every Touchpoint of the Client Experience

Technology is now critical to enhancing the client experience in today’s high-speed financial environment.

Clients desire:

Immediate access to portfolio data. Customised, intuitive dashboards providing actionable insights.
Self-service portals for easy access to documents and report generation. By implementing fintech solutions with these features, investment managers can create a seamless experience that empowers clients to make confident decisions.

• Regulatory Tech (RegTech) Enhances Compliance and Trust

Regulatory complexity is growing, driven by evolving financial regulations and geopolitical forces like sanctions, cross-border restrictions, and AML updates. Fintech products like RegTech platforms allow companies to stay compliant in real time, reduce risk, and build clients’ trust. Embracing early will enable companies to avoid costly compliance mistakes and offer clients confidence in their governance frameworks.

• Time is critical for successful onboarding and compliance

One bottleneck for most corporate clients is the AML/KYC procedure, which can take 2–3 weeks or more. This can mean a missed opportunity or delayed entry into investment prospects in fast-evolving markets. Fintech solutions like digital identity verification, biometric onboarding, and machine learning-driven AML surveillance can reduce onboarding from weeks to days. By embracing such technologies, companies improve operational efficiency and demonstrate to clients that their time is valued. In short, technology speeds up trust.

The client journey is essential for business success. As technology evolves, client expectations shift. Corporate investment management is no longer just about returns; clients demand speed, insight, transparency, and a superior experience. Remaining one step ahead of fintech trends allows firms to onboard clients effectively, provide personalised service, and build trust through data transparency. In today’s competitive era, innovation and responsiveness-oriented companies will reign supreme in a world where seconds matter.

Here at Reseo, an AI-based corporate business data wallet at the centre of global AML/KYC, we focus on delivering Structured, Perpetual, Auditable, and technology-verified corporate business data. We are proud to be shaping the future of regulatory technology. Our AI-driven solutions for compliance automation, risk management, and due diligence help investors and financial institutions stay ahead of regulatory demands while enhancing transparency and trust. By empowering clients with smarter, faster, and more secure decision-making tools, we are redefining what it means to be truly client-centric in today’s fintech-driven environment.

Cost of AML KYC processing: Changing the paradigm

Posted on March 26, 2025August 5, 2025 by Melanie Lopes

Costs of processing AML KYC are spiralling out of control, and a straightforward digitalisation of existing operations is no longer sufficient to tame these costs. A change of paradigm is now required. That is our belief at Reseo.

In today’s world, it is hard to keep abreast with the changing technology landscape in the investment management industry, let alone the regulation that aims to ensure that technology is not having negative impacts on the investor.

AI is portrayed as the holy grail and at the forefront of every technological development, whereas the EU is issuing a myriad of regulations to ensure the technology is used ethically, which benefits the interest of the consumer and takes into account the privacy of data of individuals.

Some of the regulations already in force or are coming into force in this area are the AI Act (Nov-‘26), Cyber Resilience Act (Dec ‘27), Financial Data Access Regulation (FIDA, Jul ‘25), European Data Act (Sept ’25) and the recently enforce DORA (Jan ’25).

It all can give a feeling that whenever a new technology is being deployed to either improve products, increase client services or save costs, additional costs are incurred to comply with new or changed regulations.

AML KYC cost

The above is definitely applicable to complying with AML KYC regulations. The investment management industry being used for Money Laundering / Terrorist Financing (MLTF) is getting even more sophisticated and could undermine the trust, which is paramount, in the industry. The projected total cost of financial crime across financial institutions worldwide is $274.1 billion, which is an increase of $60 billion in only two years. On top of that fines reached a whopping peak of $12 billion In 2021[1].

Against this sophistication of MLTF stands the still “paper” based process of gathering data to combat MLTF combined with recording the assessment through workflow driven files and data depositories, making for a high risk and costly compliance with regulation.

Digitalisation has been focussing on existing workflows and has not necessarily addressed the inherent inefficiencies of those workflows, whereas the General Data Protection Regulation (“GDPR”) are a further spoke in the wheel. This limits the exchange of data, causing the industry to continue to duplicate data exchange, verification and approval.

A rethink is due

We are all used to travelling the globe and handing over our passports at the border (sometimes with a visa obtained through the internet) to get access to the country we want to visit. Access to multiple countries with only one border check is possible through agreements like Schengen. Yes, participation and collaboration of all stakeholders is paramount and necessary and proven possible.

If the EU can achieve this why would the investment management industry not be able to get this done as well ie create something similar for getting easy access to financial services and investing.

Automating or digitalising is already an inefficient process, and workflows do not sufficiently address the spiralling costs, the fast changing environment and the increasing risk posed by sophisticated MLTF. A rethink is due.

At Reseo we think this is possible and to that end, we have created the e-ID, a go anywhere digital corporate passport. No endless requesting and sending around the documents and data that need to be verified, they are all captured and kept up to date in one corporate e-ID, verified by the e-ID Owner, confirmed by Reseo and approved by the e-ID User.

Taking out duplication, using state of the art AI, creating transparency for all participants, making compliance perpetual, reducing materially the cost and keeping or even heightening the trust in the industry and all its stakeholders.

A worthwhile cause to change the paradigm.

[1] LexisNexis: True cost of financial crime compliance global study, 2023

New podcast: How does innovation happen in the Investment Management industry?

Posted on December 11, 2024December 11, 2024 by Eva Keogan

It’s December and we are pleased to share a new episode of the Reseo State of the Art podcast, and our final one of this year.

We are ending 2024 on a high note with an exciting conversation about innovation in the industry, which spans regulation, ESG, AI, and even Space.

Pierre Yves-Rahari is on hand to kick start the conversation, with his first set of questions: How do the best innovators in the industry operate? Do they create as individuals, or are they championed by corporations, or a combination of both? Is there any correlation with the funding model or talent pool available to innovators and what are the implications of for the future of innovation?

We are delighted to be joined once again by guests Mark Cummins, Professor of FinTech and a Principal Investigator within the Financial Regulation Innovation Lab (FRIL), and Dr James Bowden, Senior Lecturer in Financial Technology, who both hail from the University of Strathclyde.

Presenter
Pierre Yves-Rahari, Co-Founder and Director, A-Lab Solutions (Reseo)

Guests
Mark Cummins, Professor of FinTech and a Principal Investigator within the Financial Regulation Innovation Lab (FRIL), University of Strathclyde

Dr James Bowden, Senior Lecturer in Financial Technology, University of Strathclyde

Producers

Eva Keogan, Reseo

Melanie Lopes, Reseo

Enjoy listening and don’t forget to come back in the New Year when we go live with our 2025 schedule of discussions about the state of the industry.

Catch up on all our other episodes on Spotify and Apple podcasts.

The importance of industry networking: ALFI Conference London 2024

Posted on November 12, 2024November 11, 2024 by Pierre-Yves Rahari

We have written about the importance of industry events recently and shared our insights. This time I would like to reflect on what going to conferences and the attendant networking can mean for a Fintech like ours.

The ALFI London Conference and Cocktail 2024 took place recently in October. It cements the longstanding relationship between Luxembourg and London with respect to the European and global asset management stage and is extremely well attended. Over 1,000 members of the local investment fund community, which included the Reseo team, joined the event.

This annual gathering of key players in the Investment Management industry includes a diverse yet complementary group of Asset Managers, Distributors, Fund Administrators, Lawyers, Regulators, System Providers, and Fintechs like ours.

The agenda included existing challenges such as converting household’s savings into investments, legislative and regulatory innovations, and new horizons such as the emerging extraterrestrial space economy.

While the conference provides in-depth updates on the state of the industry (economy; investment horizon; investor preferences; distribution; regulation; product development; technology), one of the key features of this conference is the opportunity to network with all of these industry players.

There are many advantages to in person networking and here are our top three:

People focused

Attending an event with a large audience to engage with engenders a sense of belonging in our industry, which is a very nice aspect of our work and helps us reaffirm our bonds with each other. In Finance, like most industries, doing business is predicated on the quality of human relationships we develop with others and as such attending conferences, it is always a great pleasure to catch up and reunite with friends and colleagues of the industry, and of course, making new connections.

Listen and learn about the industry

Attending conferences takes us out of our natural habitat, the Fintech laboratory, and exposes us to the realities of the industry. Conference agendas can inspire and generate new ways of thinking, problem solving, ideas and knowledge sharing. It is really important for us to hear what people think, see where the industry trends are heading, and also gather new ideas, which we bring back to base to help refine Reseo’s product and value-proposition.

Exchange and collaboration

We are always keen to discuss our solutions and exchange ideas. At Reseo, we believe in the power of interoperability of tech solutions and the benefits of collaboration with a view to meet the market needs and offer most value for our clients. Networking means we can really test how our ideas are received and explore opportunities to help our future customers. As a result, we hone our ideas where needed in order to meet the demands of the market.

So, if you meet a member of the Reseo team at your next industry conference, please grab us and engage in a conversation, let’s share that pleasure of meeting and connecting.

Photo credit: ALFI – Association of the Luxembourg Fund Industry via @LinkedIn

Industry conferences: Where innovation meets trust

Posted on November 11, 2024 by Luuk Jacobs

We’ve been attending several high-profile industry conferences recently and have noted some clear trends emerge, namely in the discussion around data, products and services. The Financial Services industry is looking at how it can harvest the value of all the data it holds and equally how new insights of these data, and the data itself can, or should be used to create the new products and services of the coming decade.

With data comes great responsibility and the need for trust.

New technologies often claim that their objectives are to reduce the need for trusted intermediators, arbitration costs, and fraud losses, as well as the reduction of malicious and accidental exceptions.

Not only do we believe that trust remains critical to ensure users’ funds and personal information are secure but equally that the technology proves that they can be trusted in replacing the intermediaries.

Here are three examples of where innovation meets trust;

Tokenisation

Tokenisation is a huge opportunity which relies on trust. It is important as an aid to the wider adoption of alternative assets by broadening the accessibility and appeal of alternative asset classes. This means they can be brought to a broader group of investors and even to the retail sector. What is currently holding it back from adoption is not so much the technology, but the regulation around investor suitability and ability to trade as well as liquidity requirements.

Alternative assets often have long term capital and investment horizons (>5 years) and therefore need an aligned commitment of the investors. Tokenisation can (partly) compensate for the capital commitment ie a £100 million building can be tokenised into smaller parts to invest in. Equally the tokens will be easier to trade if and only if regular valuation is trusted and reliable.

Smart contracts

A smart contract is, despite its name, not a legal agreement but instead a series of transactions which are automatically self-executed by a computer programme, according to the terms of a contract or an agreement.

The smart contract runs autonomously, requires no need for manipulation by humans, as is the case with paper contracts, and there are no intermediaries. According to this definition, trust is not a requirement because the blockchain automatically executes the contract once terms are met.

We beg to differ. It most certainly can be argued that if the smart contract does not deliver the expected outcome, the trust is quickly lost.

As comparison is often made between a smart contract and a vending machine in which you put a certain amount of money and choose a certain product with a push on a button. If the smart contract would not execute in line with the price indicated and choice of product, the vending machine (smart contract) would not be trusted.

Another example often used for comparison of a smart contract is that of currency exchange. High street banks were known for charging significant exchange fees and tried to compete with neo banks by incorporating these fees within the exchange rate offered. The “smart” contract was quickly seen for what it was and trust in the process was lost.

Blockchain, Distributed Ledger Technology (DLT)

Blockchain is another technology which is boosting the shift towards digitalisation in finance. Often associated with crypto currencies, the use goes well beyond that.

Blockchain is not a single-player game it is a team sport. Therefore, organisations that insist on forging ahead to create their own blockchain solutions are likely to be disappointed. There is little value to be had from a blockchain that only has one participant. The value of a blockchain lies in its participants and the extent to which they commit to the platform.

The original purpose of blockchain technology was to enable the transfer of value within trust-less networks, where the different parties did not have to trust each other to conduct transactions involving the exchange of value1.

However today, blockchain solutions require a network of parties to agree to use the network, agree on the underlying business processes that will govern the network, and then to integrate their systems with the network. Without trust between the parties, in the processes and governance of it the willingness to integrate the party’s system within the blockchain network are unlikely to happen. Equally, the processes need to be fit for blockchain purpose and need to fulfil the requirements of reliable, repeatable and at speed.

Innovation and trust as equal partners

In today’s world, the distribution chain consists still of processes that are paper based, convoluted and do not actively involve all parties. Innovation and digitalisation are more than often initiated from an efficiency point of view and less so from the perspective of effectiveness of the overall chain.

Although all of the above examples of innovative technologies may claim trust is not a requirement because the technology automatically executes the transaction once terms are met, it is clear trust in the technology itself is paramount.

Crypto currencies over the past decade have suffered significantly from the lack of trust in its technology or the companies executing it.

We therefore believe that innovation only thrives when it is coupled with a foundation of trust, ensuring the new ideas are accepted, adopted, and sustained over time.

New podcast: A History of Innovation in the Investment Management Industry

Posted on September 26, 2024September 26, 2024 by Eva Keogan

Welcome to the new Reseo State of the Art podcast episode, History of Innovation in Investment Management. We are joined by guests and academics; Mark Cummins, Professor of FinTech and a Principal Investigator within the Financial Regulation Innovation Lab (FRIL), and Dr James Bowden, Senior Lecturer in Financial Technology, who both hail from the University of Strathclyde.

The nature of our conversation is expansive; we take a look at the history of innovation in Investment Management, to see how the past is connected to the present, and what this means for the future of the industry. Starting with the creation of mutual funds in the early 1900s, we discuss the evolution of investment products, the influence of technology, the impacts of regulation, data and advanced analytics. We are also looking at behavioural finance, globalisation, and the biggest challenges to innovation in the Investment Management industry today.

Listen to our podcast for a lively discussion and highly informed viewpoints.

Presenter
Pierre Yves-Rahari, Co-Founder and Director, A-Lab Solutions