25 January 2015

Devil's Advocate

Roger ElwellYes Please - Colchester

Sowing The Seeds Of The Next Housing Bubble

13 September 2011  |  4123 views  |  0  |  Recommends 0

Here in the UK, mortgage providers are already sowing the seeds of the next housing bubble. I read in this weekend’s Telegraph about a product innovation that is ‘designed to help first-time buyers get on the housing ladder’. Expecting to read about how house prices would continue to fall to affordable levels, and thus enable people to actually ...

TagsRisk & regulationRetail bankingGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

Charging for Use of ATMs

24 August 2011  |  4859 views  |  3  |  Recommends 0

I think the move to charging certain people for use of other banks' ATMs is deplorable - and we have been here before, only to see it dropped. Some of us remember that the introduction of ATMs was driven not only by customer convenience, but also by cost cutting initiatives. It was deemed cheaper to dispense by machine than it was to do so over th...

TagsCardsRetail bankingGroupTransaction Banking
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Roger ElwellYes Please - Colchester

Card Glitch Shows Why Cash and Cheques Should Stay

24 August 2010  |  4780 views  |  1  |  Recommends 0

The problem that Barclays had last weekend shows why it is that cash and cheques should stay for the foreseeable future. At least the handing over of pieces of paper and coinage isn't hit by a system...

TagsCardsRetail bankingGroupOnline Banking
Roger ElwellYes Please - Colchester

Car Insurance Technology Not Joined Up

15 July 2010  |  4797 views  |  1  |  Recommends 0

I'd love someone to explain why it seems impossible these days to get any degree of consistency from organisations, especially when they have so much computing power available to them. I recently got ...

TagsCardsRetail bankingGroupOnline Banking
Roger ElwellYes Please - Colchester

The Death of the Meeting: I Blame Technology

24 June 2010  |  4970 views  |  3  |  Recommends 0

It was in a meeting the other day that I finally realised that I am getting old. As I made my weary way home, I mused on this sudden insight and found myself reminiscing about the old days, when meet...

TagsCardsPaymentsGroupTransaction Banking
Roger ElwellYes Please - Colchester

Card Payment Charges: Not the Rip-Off the BRC Thinks

18 June 2010  |  4708 views  |  1  |  Recommends 1

What a joke. Does the BRC really believe that any transfer of profits from the banks to the retail community will be passed on to customers, as they claim in their latest attack on the banks’ charg

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Credit Cards: Cashback RIP

15 June 2010  |  4197 views  |  2  |  Recommends 0

Are we witnessing the beginning of the end for cashback on credit cards? I recently received a letter from my credit card provider, advising that in future I will need double the points to obtain the...

TagsCardsPaymentsGroupTransaction Banking
Roger ElwellYes Please - Colchester

The Flaw in Paperless Statements

06 April 2010  |  6362 views  |  5  |  Recommends 1

Interesting event occurred last week that highlighted a flaw in the drive towards paperless statements and invoices. So many organisations are now trying to encourage people to stop receiving paper an...

TagsCardsPaymentsGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

A Debit Card Development that Could Cost Us A Packet

22 January 2010  |  4181 views  |  1  |  Recommends 1

I saw an interesting article in the Daily Telegraph the other day, which suggested that the Authorities are considering adding connected lender liability to debit card purchases. If this gains tracti...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Abolition of Cheques - I Hope the Banks Vote 'No'

23 November 2009  |  5348 views  |  6  |  Recommends 2

If the banks vote to abolish cheques without first working through all the relevant scenarios where they are used today, I think they will be performing a huge disservice to the British public. The f...

TagsCardsRetail bankingGroupTransaction Banking
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