28 July 2014

Innovation in Financial Services

Archive for: July, 2011
Brett KingMoven - New York

The Total Disruption of Retail Banking - Part 4

26 July 2011  |  4473 views  |  1  |  Recommends 0

The Widening Gap between Behavior and Capability In 1980 the average bank in the developed world would receive a visit from a customer once or twice a month, making an average of 20-25 times a year. As ATM machines started to emerge, by the end of the 80s average branch visits per customer were already starting to level off as the primary reason...

TagsOnline bankingRetail banking
Bo HaraldZEF and Real Time Economy Program - Esbo

Where is your country?

26 July 2011  |  4307 views  |  0  |  Recommends 0

Deadlines for paper or otherwise unstructured invoices (e-mail) to the public sector have been issued in many countries - and more are on their way. The reasons for this are obvious: 1. save tax payers money 2. move increasingly scarce human resources from administration to services and other productive tasks 3. kick-start e-invoicing in the eco...

TagsOnline bankingPayments
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Bo HaraldZEF and Real Time Economy Program - Esbo

No scanning please

19 July 2011  |  3786 views  |  5  |  Recommends 0

When Denmark legislated against paper invoicing in the public sector (including municipalities) back in 2005 service providers (including banks) where not ready with easy solutions for the SMEs. The s...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

The biggest of them all

19 July 2011  |  3846 views  |  0  |  Recommends 0

We read that PayPal is moving into e-invoicing. Natural step for anyone who wants to stay in the payments business = keep the funding and profitability transaction accounts offer. Some banks have not ...

TagsOnline bankingPayments
Brett KingMoven - New York

The Total Disruption of Retail Banking - Part 3

12 July 2011  |  8323 views  |  4  |  Recommends 0

Massive spend on innovation at the front-end of retail financial services Putting aside conjecture of whether or not we are in a bubble at the moment around tech, social media, and mobile services ...

TagsCardsOnline banking
Rodrigo GarciaExcelsys - Santiago Chile

Promoting Financial Access through Mobile Banking

11 July 2011  |  2809 views  |  0  |  Recommends 0

Banks in United States are in an exciting technological time: The eruption of mobile as a platform for payments and its transformation into a new place of banking services in their customer's hands. B...

TagsOnline bankingMobile & online
Andrew FearBluefish Communications AG - Dusseldorf

What centralisation and streamlining mean for core systems

11 July 2011  |  4857 views  |  0  |  Recommends 0

What centralisation and streamlining mean for core systems Stuart Gulliver sounded a war cry. Substantial improvements in cost-to-income ratios will be achieved at HSBC through a series of measures i...

TagsPost-trade & opsRetail banking
Brett KingMoven - New York

The Total Disruption of Retail Banking - Part 2

07 July 2011  |  6372 views  |  9  |  Recommends 1

Rapid Acceleration of Technology Adoption makes change easier The rate of diffusion is the speed at which a new idea spreads from one consumer to the next. Adoption is similar to diffusion except tha...

TagsOnline bankingMobile & online
Bo HaraldZEF and Real Time Economy Program - Esbo

Why is innovation so difficult in banks

04 July 2011  |  3211 views  |  2  |  Recommends 0

I attended a very good innovation meeting last week and there one senior banker said that innovations in banks are so difficult because there is an obsession with business cases. No innovation investm...

TagsOnline bankingPayments
Bo HaraldZEF and Real Time Economy Program - Esbo

CUT 50

03 July 2011  |  3050 views  |  0  |  Recommends 0

CUT 50 is the name of the next phase in the Real Time Economy program run in Finland since 2006. It stands for cutting SME administrative costs in half by 2014-15. The main building blocks are the fol...

TagsOnline bankingPayments
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