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What’s wrong with these people? Is it because mathematics has been dropped from the engineering syllabus at universities, or is it because everyone employs the same incompetent security people to do t...
Consumer demand, the adoption of new payment methods, competition, regulation, digital transformation and security are powering the self-service revolution in banking. This well-publicised transformat...
Contactless bank cards really started to take off in the UK in 2014, with banks issuing more contactless-enabled cards than ever before and more merchants installing networks that could accept them. 2...
In 2015, we have seen increased regulatory scrutiny as supervisory bodies look to reform the banking industry and a new culture of supervision and best practice continues to be set by the Bank of Engl...
The retail banking landscape in the U.K. has changed dramatically in recent years and it continues to evolve. We have seen the arrival of challenger banks – new, often digital entities focused on cust...
The other day, a reputable digital banker asked me, “How many lives does PFM have?” I smiled. Whereas Digital Money Management (also known as PFM, Personal Financial Management) in Europe is arguably...
In an age driven by technology and innovation, providing services that overlay technology with human touchpoints/interaction where appropriate remains crucial in achieving good customer service, regar...
Earlier this week ACI Worldwide published the findings of a YouGov survey asking ~2000 UK consumers about their attitudes towards banking and new entrants, their payments patterns and behavior. We pr...
Over the past few years, data breaches have increased in frequency and size, making the need to protect sensitive information a top priority for businesses worldwide. According to recent reports, ther...
The catastrophic global recession of 2008 sent ripples through the banking sector. Many banks struggled to cope with massive losses suffered because of debt they accrued through somewhat risky investm...
Introduction With Crowdfunding (both debt and equity) accounting for approximately $16bn globally in 2015 (Crowdsourcing, 2015) and FinTech being strongly populated with start-ups operating in the Len...
Although the latest stress testing results revealed there has been significant improvement in stress testing processes since last year, the results also identified considerable variation across banks....