23 April 2014

Alex Bray

Alex BrayMisys - London

Retail channels - competing and cannibalising?

15 April 2014  |  1631 views  |  1  |  Recommends 0

Over the years, the banking industry has been adapting to a consumer migration from bricks-and-mortar branches, to digital points of interaction. To handle this movement, banks have built up the range of functionality in each of their multiple channels to deliver the best possible customer experience: delivering ‘multi-channel banking’. This appr...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex BrayMisys - London

Is Social Media a Channel?

05 March 2014  |  1807 views  |  0  |  Recommends 0

I see and hear this a lot nowadays - in presentations and conversations. To be honest, apart from the questionable grammar of the question, I think the answer is pretty simple - NO! But scratch away at that simple answer and a more interesting question lies beneath… Why do we need to define channels? I worked in banking for ten years - at a ti...

TagsMobile & onlineInnovationGroupOnline Banking
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Alex BrayMisys - London

30th anniversary of Internet Banking: 10 tips to stay on top

25 November 2013  |  2128 views  |  0  |  Recommends 1

The first Internet banking service was launched by the Nottingham Building Society in 1983. Thirty years on, the face of retail banking is unrecognisable, but banks still need to grasp new technologie...

TagsMobile & onlineMobile & onlineGroupOnline Banking
Alex BrayMisys - London

Skype-hype? Is now the time for video-chat in banking?

04 November 2013  |  1968 views  |  0  |  Recommends 0

I worked on the first web-chat deployment at a high street bank back in 2006. At the time, we were convinced it would deliver us a range of sales and customer satisfaction benefits. And yet, it floppe...

TagsMobile & onlineInnovationGroupOnline Banking
Alex BrayMisys - London

Does IBM's 2-Factor have the X Factor for Mobile Banking?

30 October 2013  |  2349 views  |  0  |  Recommends 1

I'm a big fan – and former employee – of Big Blue. So it's always good to see the innovations that continue to emerge out of the IBM Labs. In their latest offering, reported by Finextra last week (htt...

TagsMobile & onlineInnovationGroupOnline Banking
Alex BrayMisys - London

Is the Google Glass half full or half empty?

23 October 2013  |  1994 views  |  0  |  Recommends 0

In February, the release of Google Glass to developers was greeted with much fanfare in the press and excitement in the blogosphere. So, was this all puff? What has happened since? Well, there is no ...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Alex BrayMisys - London

The Digital Dollar - generating digital channels revenue

21 October 2013  |  1814 views  |  0  |  Recommends 0

If banks don't develop a second generation digital channels strategy, they won't be around in 10 years time. It sounds like a bold statement, but it is a pretty safe bet. Customer behaviours, right a...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex BrayMisys - London

An African Sunrise - new dawn of Internet Banking

10 October 2013  |  4117 views  |  0  |  Recommends 1

It was announced this week at the Commonwealth Telecommunications Organisation’s Annual Forum in Nigeria, that the Alliance for Affordable Internet (A4AI) is to be launched to drive down the artif

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex BrayMisys - London

Sell, sell, sell! The future of Digital Banking

20 May 2013  |  5008 views  |  0  |  Recommends 0

Digital channels are all about sales. If they aren't, then you're doing something wrong. First and foremost, banks are about creating wealth. To do that, banks need to help their customers articul

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex BrayMisys - London

Augmented Reality in FS - got your goggles?

01 May 2013  |  5770 views  |  2  |  Recommends 0

‘Mobile banking’ is not a very precise term. Today, we know it as meaning using your mobile phone for banking. However, back in the late 1990s, all that it meant was SMS banking. If your bank was p

TagsMobile & onlineInnovationGroupInnovation in Financial Services
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