Jacob Morgan
Principal Analyst

Author Insights
Blog
Announcing The Forrester Tech Tide™: B2B Payment Augmentation, Q1 2022 — How To Improve B2B Payments For Your Firm
Forrester predicts that the focus of payments innovation will shift from consumers to businesses in the decade ahead. Corporates as well as small- and medium-sized businesses will pay to alleviate friction from arcane processes and legacy B2B payments. Payment and technology providers will use a host of technologies such as AI, robotic process automation, APIs, […]
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Simplicity Underpins Future Payment Fabric And The Future Of Payments
The future of payments will see firms shift focus from consumers toward businesses, embedding payment technology (not payments), and programmable payments in a quest to mitigate complexity.
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Open Finance Will Reshape The Relationship Between Banks And Their Customers
Learn the two crucial factors that will determine the pace and scale of open finance's opportunity.
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Launching Forrester Tech Tide™: B2B Payments Research
Forrester is launching new research focusing on technology innovation in the B2B payments space. We are on the lookout for companies that are automating and adding value to B2B payments services, particularly those driving innovation.
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How To Monetize Open Finance: Monetize Value; Price The Use Case
Open finance is driven not by regulators but by technologies such as open APIs. This is steadily changing distribution patterns within the industry toward embedded finance — a world of connectivity, with financial services meeting the needs of customers in the moment, in cars, in virtual agents, in shopping apps, and in online marketplaces. If […]
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The Future Of Banking Has Arrived
Forrester's latest research finds future of banking will be invisible, connected, insights-driven, and purposeful. Analysts Jacob Morgan and Alyson Clarke break it all down.
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Open Banking Implementation Issues Give Rise To A New Breed Of Intermediaries
The challenges associated with open banking have brought about a new segment of intermediaries. Find out how these vendors can help inform your technology strategy.
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Using Innovation To Rebuild From COVID-19 — Lessons From Financial Services
We are living in uncertain and extraordinary times, and extraordinary feats are being delivered daily by committed workforces for which speed translates into jobs, businesses — and lives — saved. Innovation is a necessity in times of crisis, made easier by the expectation of fast delivery and the singular goal to coalesce and organize against. […]
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Developer Engagement Recognizes The Developer As Your Newest Customer
Digital technology is enabling unprecedented connection between people, companies, and devices. Connecting them all lies at the hands of the developer, a role with increasing power in an organization. In the age of open banking, simply providing access to APIs, documentation, and a sandbox is not enough. Developer engagement builds long-term bridges between a firm […]
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PSD2 Security Requirements Are Restricting Fintech Innovation
I have recently released a new report looking at the second phase of the Payment Services Directive (PSD2) and its security requirements along with my colleagues Jacob Morgan and Andras Cser. Banks and financial institutions are currently hard at work building APIs and testing their Strong Customer Authentication (SCA) solutions. Banks need to comply with […]
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Predictions 2019: Digital Leaders Reboot To Hedge Against A Downturn
Forrester predicted in 2018 that digital would reach the hard stuff, the core of business: organization structure, operating models, and endless discussion of platforms. These themes are far from done; however, 2019 sees a distinct shift in emphasis — winter is coming. In 2019, economic uncertainty stalks the halls, and budgets will see pressure. Many firms […]
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Open Banking And PSD2 — The First 100 Days Have Been A Slow, Fragmented Start
TL;DR: It has been a slow, fragmented start to open banking, but the pace will accelerate. Fintechs are forging ahead with innovation, and a new set of intermediary service providers is growing. Banks need to become outside-in fast to thrive with open banking, building operating model competence for an externally oriented business. Few Banks Place […]
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Drive Digital Culture Into Your Organization’s DNA
Transformation is hard. If you have the wrong culture, the wrong mindset, it is almost impossible. Cultural alignment is a huge enabler of change — when done well, it greases the skids; when poorly executed, it can stop transformation dead in its tracks. Digitally innovative firms are characterized by embracing technology as a driver of […]
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Predictions 2018: Digital Strategy Reaches The Heartwood Of The Business
Digital business leaders know that customer obsession is the winning mantra, however meeting the needs of today’s empowered customer requires both laser focus and responsiveness. Experimentation, minimum viable products, and labs are so 2017. In 2018, digital business transformation will be played out at scale — in organization structure, in operating models, and in talk […]
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Thinking Of Hiring A Product Manager? Read This First.
Do you currently have someone in your organization who fits this job description? If not, then it’s time you do. In the past year, we’ve seen a spike in inquiries on the topic of product managers, primarily from brands that are considering embedding this role into their organization for the first time. Why now? The […]
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Open Banking Is Open For Business
Open banking is rapidly heading to the top of the agenda for retail banks across the globe. BBVA today announced the launch of its open banking business, joining the likes of Nordea, which launched its open banking site in March. In the UK, the Competition and Markets Authority obliged the top nine banks to create […]
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Digital Wallets Are Poised For Growth – But Adoption Will Be Slower Than You Think
Digital wallets appear to be so compelling – simplifying life for the customer (check), always present (check), location marketing (check), loyalty and rewards (check), multiple payment types (check), digital delivery (check) adoption…hmmm, not so good. So why are consumers not flocking to the promised land of Apple Pay, Android Pay and other digital wallets? Well […]