Trends in the world of finance

Contact us

Digitalisation is a development that also affects the financial sector. More and more innovative applications driven by modern technology are emerging in the world of banking, financial advice and speculation. Specialist mobile applications, smart portals and new forms of financing, such as crowdfunding, are a few interesting examples. In the financial industry, technologies are tearing down barriers and quickly opening doors for new financial products and services that create the necessary space for personalisation efforts.

This allows you to approach the customer in an increasingly targeted and personal way with tailor-made products, services and content.

The consequence of this development? The emergence of new providers, data flows, business models and distribution options, all of which make financial products and financial advice more accessible (faster and always available) to a wider audience.

Trends in the financial sector

The digitalisation of the financial sector is predominantly fueled by four major trends.

  1. The growing importance of ecosystems (complex technological networks in which different systems and applications are integrated and increasingly able to communicate with each other) is mainly a result of the competition that traditional financial institutions (banks, financial advisors) face from expanding tech giants. In the era of “open banking”, companies like Facebook, Google, Amazon and Apple have gained a strong foothold in the world of financial services and monetary transactions.
  2. Successfully outlining a good digital strategy is closely linked to a clear focus on technology-driven transformation. This translates into the transition from monolithic systems to a flexible microservices architecture. Open APIs also offer a wider arsenal of options for supporting new business models. More and more attention is being paid to continuous user experience optimisation.
  3. Horizontal data analyses translate the insights obtained from data into concrete business innovations. Digitisation produces a growing heap of information (big data). To extract valuable insights from these often unstructured and scattered data sets, financial institutions need the right tools for analytics, data mining and data visualisation.
  4. Corporate cultures must change to meet major restructuring efforts and the wide range of new business strategies. This is the only way to align your financial institution with the new generation of customers and competitors. The future focus will be on new, innovative and disruptive modes of operation, such as agile and DevOps.

Does your organization need help with digitization?

We like to think along so that together we can develop innovative products and services that offer plenty of room for personalization.

Make an appointment


Digitalisation in financial services poses challenges, especially for providers and regulators. For example, new technology places higher demands on the ethical operational management of financial institutions. How do you deal with privacy and data ownership? How do you create solidarity in insurance? And how do you design new methods to influence online choices?


With the help of Mendix and Boomi, Appronto has already built many smart and future-proof digital solutions for a wide array of financial service providers. Let’s look at some examples.

Within financial services we know a few specific subcategories in which Appronto has a lot of experience. On these pages we inform you about the most important trends and show you specific solutions that we have built for our customers in this sub-sector.



The banking system will look very different in the near and distant future than it does today. Faced with changing consumer expectations, emerging technologies and new business models, banks will now need to develop strategies that prepare them for the banking industry of the future.



Within fintechs there is a high level of innovation within the ecosystem of financial services. The aim is always to disrupt the status quo of established financial institutions within a particular niche or service group. There has been an increase in the number and type of companies that provide financial products and services to consumers. The range of fintechs ranges from traditional banks to technology and e-commerce companies.



The size of Dutch mortgages is very large from an international point of view. Almost 61% of all households in the Netherlands have a mortgage, whereas the average in Europe is only 26.5 percent. A huge market in which many players are active.