19 April 2014

Devil's Advocate

Roger ElwellYes Please - Colchester

Charging for Use of ATMs

24 August 2011  |  4714 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 t...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Great Idea, Shame About the Marketing

03 August 2009  |  3606 views  |  0  |  Recommends 0

This is an interesting proposition. “Sign up for our Linux card and help a cherished organisation. However, apart for an initial $50 bung, we won’t tell you how much more you will be contributing. Just spend like mad, safe in the knowledge that part of your spend will also be contributed.” How much, then? 1%, 2%? Or will it be something l...

TagsCardsRetail bankingGroupInnovation in Financial Services
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Roger ElwellYes Please - Colchester

How Not To Sell Online...

13 July 2009  |  2785 views  |  1  |  Recommends 0

I was reviewing my investments this weekend, like you do. Not that there’s much to review, especially after having been Gordoned over the last 12-18 months. Anyway, I decided that one of my ISAs was...

TagsCardsOnline bankingGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

Disappointing Definition of Success

15 June 2009  |  3024 views  |  0  |  Recommends 0

Just a quickie, but I read in the paper the other day that Institutional Investors were worried that the incentives for Stephen Hester to sort out RBS weren't generous enough, which is an interesting ...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

Yet More Hypocrisy In Justifying Expenses

12 May 2009  |  2516 views  |  0  |  Recommends 0

Last night on Newsnight, Shaun Woodward, made a spirited attempt to comment on the expenses scandal. In doing so, however, he highlighted yet another area of hypocrisy that underlines why our current...

TagsCardsRetail bankingGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

Latest Pension Bombshell Betrays Poor Thinking

28 April 2009  |  8071 views  |  0  |  Recommends 0

The proposal to impose a punitive tax on the impact of pay rises on final salary pensions, which was hidden in the budget, is another breathtaking example of the inability of those in charge to proper...

TagsCardsRetail bankingGroupTrends in Financial Services
Roger ElwellYes Please - Colchester

Time for a Referendum on the Budget

23 April 2009  |  9088 views  |  0  |  Recommends 0

Not only are the projected borrowing figures staggering to comprehend, but they are also surely immoral. How can it be that any Government can condemn the population they purport to serve to a lifeti...

TagsCardsRetail bankingGroupTrends in Financial Services
Roger ElwellYes Please - Colchester

What's Wrong with Making a Profit?

07 April 2009  |  6538 views  |  2  |  Recommends 0

Why is it that the EC has such a problem with the card associations over cross-border fees, and interchange generally? What do they think is going to happen when these organisations find that doing b...

TagsCardsGroupTrends in Financial Services
Roger ElwellYes Please - Colchester

Deflation? Cobblers

24 March 2009  |  3701 views  |  0  |  Recommends 0

I suspect that many people are like me in not believing we are in a deflationary situation. It is complete cobblers and should not be influencing economic policy. The principal reason why the RPI is...

TagsCardsRetail bankingGroupTrends in Financial Services
Roger ElwellYes Please - Colchester

Do Some Real Good With 75 Billion

06 March 2009  |  3733 views  |  3  |  Recommends 0

If the Government is going to spray £75 billion quids' worth of petrol on the embers of the economy, they could at least do it in a way that stands the best chance of achieving something. Here's an i...

TagsRisk & regulationRetail bankingGroupTrends in Financial Services
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