27 August 2014

Alex Bray

Alex BrayMisys - London

20 Dollar Smartphone - what does it mean for mobile banking?

31 July 2014  |  5344 views  |  2  |  Recommends 0

In every market I visit, the message is clear – it is all about channel innovation. A couple of weeks ago, I attended the West African Banking Dialogue in Lagos. This event brought together top banks from across Nigeria and Ghana to discuss the future of banking in the region. Again and again, banks looked at the future of digital and how it woul...

TagsMobile & onlineGroupOnline Banking
Alex BrayMisys - London

Retail channels - competing and cannibalising?

15 April 2014  |  2378 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
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Alex BrayMisys - London

Is Social Media a Channel?

05 March 2014  |  2075 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...

TagsMobile & onlineInnovationGroupOnline Banking
Alex BrayMisys - London

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

25 November 2013  |  2785 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  |  2286 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  |  2520 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  |  2105 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  |  2017 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  |  4232 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  |  5271 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
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