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Articles / Studies (22)


Digital Transformation and the Case for Low-Code

October 25, 2018

The world is changing at breakneck speed, and the challenge for all businesses is to identify the threats and opportunities that will come from digital innovation and respond faster than their competitors. Those that fail in this task risk hemorrhaging customers and revenue to more agile competitors, including new disruptors, that aren’t weighed-down by complex […]

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  • Article

    Strategy and Path alignment with McKinsey’s Article for CFO’s and Digital Transformation

    July 12, 2018

    McKinsey’s article “Memo to the CFO: Get in front of digital finance—or get left back” mentions the strategic importance of automation and robotization, needed to achieve significant processes improvement (57% to 89%). This strategic path is perfectly aligned with Infosistema / Joyn Group’s digitalization strategy and the DocDigitizer.com software solution, using ML/AI technology to dramatically […]

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  • study


    Unaware, Unprepared and Paralysed: Retailer Readiness for PSD2

    February 19, 2018

    One of most disruptive changes to retail technology starts on January 13th 2018, yet the general reaction from merchants appears to lie somewhere between perplexity and paralysis. PSD2 is no ordinary piece of legislation. Designed to promote competition and innovation in  he payments industry it will have the unintended consequence of re-shaping retail technology, and […]

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  • study

    Pinset Masons

    The Future of Open Banking, beyond January 2018

    December 14, 2017

    Infosistema and it’s partner Payment Components, are on top of what’s happening in the PSD2 and Open Banking ecosystem.

    Payment Components directly contributed to this report by Pinsent Masons and Innovate Finance on what can we expect beyond the PSD2 legal implementation date of January 2018.

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  • article

    Blockchain… a promising tool to improve process optimization, control and transparency

    September 27, 2017

    In just a few decades, technology has evolved so rapidly and has become so intrinsically incorporated into our lives that it is hard for us to conceive a society and a day-to-day life without a digital presence. The business models themselves have evolved greatly thanks to the innovation, speed and security promoted by the many […]

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  • article

    tech automation

    How-to Simplify and Innovate with Tech Automation?

    September 5, 2017

    Business innovation and simplification are growing challenges driven by diversity of technologies and skills to maintain and develop business solutions. Reduced budgets is another reality, forcing a cut in structural or strategic investments and to seek other solutions (Forrester, 2014; Pereira, 2014). Global economy and political uncertainty have motivated diverse changes and people migration between […]

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  • article


    The digital path

    July 24, 2017

    Abel Camelo, Infosistema Manager Digital is changing the world. We are experiencing yet another technology paradigm transition – after the emergence of the first and second IT platforms – supported by social networks, mobile technologies, Big Data solutions and business analytics, and cloud computing services use. Business-as-usual is no longer an option, and if the […]

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  • Article

    Playing it safe in an ever-changing era…

    July 14, 2017

    Efficient, agile, scalable, fast solutions that ensure high levels of competitiveness. I would say that, in general, this is what organisations are looking for to be able to meet the needs and demands of their clients and, thus, be able to thrive in the market they operate. Today, it’s hard to predict and anticipate anything! […]

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  • article

    The foreseeable future for payment services…

    June 1, 2017

    The European Parliament’s PSD2 (Payment Services Directive 2) requires banks to provide publicly available APIs (Application Program Interface) to allow access to bank accounts and to begin payment services until January 2018.

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  • study

    Digital Transformation

    Digital Transformation of the Insurance Companies in Portugal

    May 25, 2017

    In a close cooperation between IDC and Infosistema, a study was carried out on the “Digital Transformation of the Insurance Companies in Portugal”[…]

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  • article

    Cyberattacks: what good is a an armored door if we do not lock it?

    May 22, 2017

    It is necessary to identify risks for each organization and to exercise due diligence to care for their assets. Good security practices are daily put to the test in organizations.

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  • article


    Human (Un)Cooperation is blocking AI

    May 11, 2017

    Infosistema has multiple projects running with AI. Running from Sales AI to Marketing we are increasing our investment in these areas. One thing is clear, AI means that computers hold more than information, they start to hold knowledge. And knowledge computers neither had before nor have been thought. Computer are starting to learn and create […]

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  • Article

    Can you predict the future?

    March 6, 2017

    Analytics & Real Time Decisions Business competition and economy restraints impose new approaches, innovation and more risks to support the mandatory change in order to survive.   Businesses globalization and increased agility are today’s “status quo” in order to speed up the sales cycles and gain new customers. In one of my previous publications (JPereira, […]

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