Christoffer O. Hernæs

Latest from Christoffer O. Hernæs

  • When Payment Processing Becomes A Commodity

    When Payment Processing Becomes A Commodity

    One of the big subjects of discussion in the banking industry earlier this year was the publication of the Millennial Disruption Index, stating that millennials view banks as irrelevant and placing traditional retail banking at the highest risk of disruption compared to other B2C industries. Accenture’s Banking 2020 report confirms this and draws a parallel to the challenges the… Read More

  • Will Google Enter The Insurance Industry?

    Will Google Enter The Insurance Industry?

    When it comes to collecting and organizing information, Google is well on its way to establishing its hegemony through the registration of 6 billion daily unique searches and indexing of over 50 billion web pages (2013). What remains to be seen is how this information is being made universally accessible and at what price. One of the industries that has particular advantage of access to… Read More