Why are banks ‘trying to shapeshift’ into technology companies?
Referenced by IBM Institute for Business Value
and SME Finance Forum
BANKING / TECHNOLOGY / CONTROL
Who controls what
comes next in banking?
Technology has repeatedly changed where power sits in financial services —
from products and distribution to interfaces, data and infrastructure.
I’m interested in what moves next.
CURRENT
Torinel™
Independent financial intelligence for the German market.
My current research examines how artificial intelligence is changing banking,
financial decisions and the relationship between institutions and their customers.
GERMANY / 2026 —
Better questions
for a more open
financial future.
SELECTED EARLIER WORK
View complete archive →
Open Bank API Ecosystem as Firewall Against Fintechs
Referenced by
Infosys Finacle
Banks: Rigid Decision-Making and the Bureaucratic Trap
Cited in academic
research
FinTech Segments
Preserved by Wikimedia Commons and used across Wikipedia/Wikidata projects
“Technology changes the structure of banking.KEVIN MOSERI
The question is always the same: who ends up with the control point?”
ABOUT KEVIN MOSERI
I study how banking changes.
I began publishing about financial technology during the first major fintech wave,
with a particular interest in how technology was changing the structure of banking.
My work examined fintech competition, Open Banking, APIs, banking platforms,
payments, regulation and emerging financial infrastructure. I later stepped away
from regular financial-technology publishing.
Today I’ve returned to those questions from a different starting point. Artificial intelligence
is creating another structural transition in financial services — and potentially moving
the interface between people and their money again.
I founded Torinel™ to study that transition in the German financial market.
More about me →