Seven technologies that will transform finance

Traditional banking is likely to disappear sooner rather than later. And security tools such as biometrics and cryptography will help protect us from fraud.


The world of finance is changing fast. Fintechs are overtaking traditional financial institutions, above all because they are committed to combining technology and customer service. All with the aim that new technological advances will allow increasingly simple, but more secure, operations. We see it!

  1. Services in the cloud. Financial institutions will increasingly organise their services via the internet. This is why financial applications are constantly innovating: they are looking for more and more transactions to be carried out in the cloud.
  2. Artificial intelligence, an essential tool. This technology is much more sophisticated and has a significant influence on the internet of things, on the management of ‘big data’, on facial and optical recognition and on the ‘blockchain’, which is the structure with which the new financial institutions will work.
  3. Mobile finance made easier. The so-called ‘mobile banking’ system is not new. Still, it will be increasingly easier to use: it will provide greater accessibility and incorporate one-click payments from customer to customer. In addition, customer-to-business ‘digital banking’ will no longer rely on passwords.
  4. More blockchain. Blockchain software vendors will attract the interest of organisations that want to accelerate their performance. With blockchain, they will achieve more cost-effective operations.
  5. Next-generation cashpoints. It is expected that, in the not-too-distant future, we will be operating cashpoints without having to use a card, directly with our mobile phones. Some cashpoints around the world, in fact, already incorporate biometric authentication or iris recognition.
  6. Security, security, security. This is a constant concern for financial institutions, which will be looking to include new protection services for their customers. Biometrics will be commonly used to access financial data.
  7. Links between financial institutions. Experts have realised that financial institutions can reduce costs and facilitate customer services by partnering with each other. Working collectively advances innovation and establishes healthier cooperation.

11Onze is the community fintech of Catalonia. Open an account by downloading the super app El Canut for Android or iOS and join the revolution!

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Equip Editorial Equip Editorial
  1. Laura León AmatLaura León Amat says:
  2. Jordi MorenoJordi Moreno says:

    Merci per la info

  3. Daniela SimónDaniela Simón says:
  4. Joaquin Lopez ArandaJoaquin Lopez Aranda says:

    Molt bona informació.

  5. Pere SorianoPere Soriano says:

    Bona informació.

  6. Francesc Estafanell PujolFrancesc Estafanell Pujol says:
    Francesc de Borja

    M’ha interessat força l’article. Suposo que els caixers automàtics tendiran a desaparèixer amb la desaparició lenta dels intercanvis amb “cash” i per tant les funcions que hauran d’assolir els mòbils seran gairabé totes

    • Lels says:

      Ens alegra que et sembli interessant, Francesc. És per això, que amb la superapp d’11Onze en un futur podràs operar tots els teus productes financers amb el teu mòbil.

      3 years ago
  7. Josep RuaixJosep Ruaix says:
  8. Mercè ComasMercè Comas says:

    Punt número 7. Una mena de mutua financera. Metge de capçalera que deriva a especialistes. Veurem cap on va. Com sempre serà un bon servei o només ànim de lucre depenent de qui i com s’ apliqui. Sembla la idea innovadora d’11Onze al definir-se com a hub financer. A 11Onze tenim assegurada la vocació de servei del negoci.

    • Joan BenedictoJoan Benedicto says:

      I tant, Mercè. Entre una entitat i una altra sempre poden haver-hi discrepàncies. Tot i això, aquests vincles poden donar molts avantatges!

      3 years ago
  9. alicia Coiduras Charlesalicia Coiduras Charles says:

    L’últim punt el número 7 ,em sembla més que intel·ligent i eficient

    • Joan BenedictoJoan Benedicto says:

      Si es coordina bé i es coopera correctament podria donar molts bons resultats.

      3 years ago
  10. Joan Santacruz CarlúsJoan Santacruz Carlús says:

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