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Every business is getting disrupted by high speed Internet connectivity, smart mobile devices at low price points and availabilityof digital infrastructure & computing power on demand (CLOUD). Thi...
A recent study by YouGov and ACI Worldwide seemed to suggest that the whole digital disruption of banking thing all adds up to a hill of beans. The study which says that mobile banking and payments a...
Whilst we all implicitly understand the benefits of the omni-channel customer nirvana, more consideration needs to be given to the cost to serve, revenue uplift and operational impacts. Last week Adel...
Mobile payments is the next “big thing” for consumers. But how can we keep it from becoming so for hackers as well? As our “always on” culture moves from good old plastic and chip cards to mobile phon...
Tinder, 3nder, schminder. Welcome to the new world where non-committal promiscuity is the norm of the day (if not de rigueur), both in personal life and in business. Welcome to the "tinder"...
I'm finding that I'm having very productive discussions with lawyers as ideas mature on how blockchain could be used in financial services I should stress that I'm a technologist rather than a lawyer ...
Have you ever heard the story of the six blind men who tried to find out what elephant is? Probably you did. In this story, these blind men have no idea what elephant is, decided to touch to understan...
Time to ruffle some feathers. Innovation, payments, fintech - there has been a lot of buzz and commotion there for the past few years. The end result - mostly fizzle. Why? There has been no real probl...
The technology explosion is making so many new far reaching opportunities visible that new challenges have appeared or old ones have become even more challenging. The first that many of us meet in o
For those of you who remember Tom Selleck (of Magnum, P.I.) will remember the beautiful ads of the future that were done by AT&T in Tom Selleck’s voice. The ads essentially touched upon technolog...
"If there are innovators who lose, there must be followers / imitators who win" [David Teece] Imagine the situation, a brand new startup or well established firm brings an innovation to an ‘...
Why there is a need to develop a new method of addressing the KYC problem. A Tangential Stroll Ask anyone who has ever owned a mobile phone (or two) and an email address (or two) and they will tell yo...