01 April 2015

Stanley Epstein

Stanley EpsteinCitadel Advantage Ltd - Modiin

Why I am worried about the future of mobile payments

02 March 2015  |  2612 views  |  3  |  Recommends 0

Developments in the mobile payments world have really got me worried. I come across an ever increasing account of different banks and technology companies coming to market each with their own variations of what they call “mobile payments”. To start with the term “mobile payments” is confusing to most, even some seasoned bankers. What the man-in-the...

TagsMobile & onlinePaymentsGroupInnovation in Financial Services
Stanley EpsteinCitadel Advantage Ltd - Modiin

Understanding Digital Banking

12 January 2015  |  2770 views  |  0  |  Recommends 1

The term ‘Digital Banking’ is, to my mind, one of the most miss-understood concepts in the financial world today. Ask any group of 21st century bankers and you will get more definitions than there are member of the group. And this confusion of definition is one of the reasons why there a lack of fire and enthusiasm for the whole idea. Many simply ...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
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Stanley EpsteinCitadel Advantage Ltd - Modiin

Securitisation and Operational Risk

11 January 2014  |  1535 views  |  0  |  Recommends 0

Rewind to 2008. The there was one word that got everyone's hair to stand on end, at that time, it was "securitisation". Now almost six years later securitization is making a comeback. And in...

TagsRisk & regulationInnovation
Stanley EpsteinCitadel Advantage Ltd - Modiin

Operational risk management is NOT a joke

08 January 2014  |  2274 views  |  0  |  Recommends 1

If you have been following the news these past few days you will have seen that JP Morgan is to pay a further $1.7 billion in fines under a deferred criminal prosecution agreement. JP Morgan’s problem...

TagsRisk & regulation
Stanley EpsteinCitadel Advantage Ltd - Modiin

Why has SWIFT become so SLOW?

03 May 2012  |  3896 views  |  1  |  Recommends 1

The dictionary defines the word SWIFT as “coming, happening, or performed quickly or without delay”. I suspect that the founders of SWIFT had this thought in mind when they came up with the full name ...

TagsPayments
Stanley EpsteinCitadel Advantage Ltd - Modiin

How do we put banking back into banks?

29 April 2012  |  2180 views  |  1  |  Recommends 0

I spend a good part of my working day reading – about banks and banking. It is part of what I do; and the reading part is the way that I try to keep up-to-date with current developments across the glo...

Stanley EpsteinCitadel Advantage Ltd - Modiin

Cutting costs. They just don't get it.

15 October 2011  |  2729 views  |  1  |  Recommends 1

So RBS is cutting costs. Pretty drastic stuff especially when it comes to staff expenses. Chris Kyle’s internal e-mail spells it out in detail – see http://www.bbc.co.uk/news/business-15317024 The...

Stanley EpsteinCitadel Advantage Ltd - Modiin

Is technology killing the e-mail?

27 May 2011  |  3777 views  |  2  |  Recommends 0

Once upon a time e-mail was a simple uncomplicated affair. It was a fantastic tool for sending out and receiving communications in "almost real-time". We put up with those slow 64k dial-up

Stanley EpsteinCitadel Advantage Ltd - Modiin

Is Mobile Banking a disaster waiting to happen?

31 July 2010  |  5529 views  |  1  |  Recommends 0

The news this past week has been all about a Citibank mobile banking glitch. Apparently a flaw in a version of its iPhone m-banking application resulted in it improperly storing customer account infor...

TagsOnline bankingPaymentsGroupInnovation in Financial Services
Stanley EpsteinCitadel Advantage Ltd - Modiin

It is more about ethics than policing

19 March 2010  |  3345 views  |  1  |  Recommends 0

So the FSA is going to beef up on its staff in the oversight of the banks. As I see it, this approached is doomed before it even starts. The regulator, whether it is the FSA or any other, cannot match...

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