01 September 2014

Devil's Advocate

Roger ElwellYes Please - Colchester

Sowing The Seeds Of The Next Housing Bubble

13 September 2011  |  4039 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

The Death of the Meeting: I Blame Technology

24 June 2010  |  4917 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 meetings were meetings, and not a collection of people gathered in a room devoting over 50% of their time to a call received on their mobile phone, or a...

TagsCardsPaymentsGroupTransaction Banking
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Roger ElwellYes Please - Colchester

Credit Cards: Cashback RIP

15 June 2010  |  4142 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

Beating Nationwide's Over the Counter Ban

13 April 2010  |  4611 views  |  2  |  Recommends 0

Brilliant initiative from Nationwide, to restrict peoples' in-branch access to their own cash. It ignores those who don't want to draw £100 or more out and don't trust cash machines (like many elderl...

TagsCardsRetail bankingGroupTransaction Banking
Roger ElwellYes Please - Colchester

The Flaw in Paperless Statements

06 April 2010  |  6302 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 a...

TagsCardsPaymentsGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

A Debit Card Development that Could Cost Us A Packet

22 January 2010  |  4116 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  |  5258 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
Roger ElwellYes Please - Colchester

My Card Issuer's IVR - Tailored to Irrirate?

04 October 2009  |  3408 views  |  2  |  Recommends 0

I have a hate relationship with IVRs. I hate the inevitably patronising tone of the voice, the layouts, the fact that many of them have been designed by people who think they have brains the size of ...

TagsCardsRetail bankingGroupOnline Banking
Roger ElwellYes Please - Colchester

Great Idea, Shame About the Marketing

03 August 2009  |  3635 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....

TagsCardsRetail bankingGroupInnovation in Financial Services
Roger ElwellYes Please - Colchester

Institutional Ageism?

16 July 2009  |  3735 views  |  1  |  Recommends 0

I watched an interesting debate on Newsnight last night, on the subject of youth unemployment. It made me wonder whether the UK Government was becoming ageist, especially when it comes to employment

TagsCardsRetail bankingGroupOnline Banking
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