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If any of you watch my Twitter feeds, Facebook or Google+ posts or those of the financial services crowd at large, it is highly likely that you will have seen a post I authored on Huffington Post...
Credit cards are expensive. According to BankRate.com the average US annual percentage rate (APR) charges on credit cards is 15.35%[1], but that’s down in recent years. During the financial crisis so...
Mobile use is exploding in the banking scene. If you are a retail bank today in the developed world and you don’t have an app for your customers, you are increasingly becoming an exception. Certainly ...
Ok, so if you think we're done with the whole "when is a mobile payment a payment" argument, think again. The reality is that the biggest evolution in payments is not about Visa, Mastercard,...
There has been some debate on Finextra of late as to whether Mobile Wallets and Payments are mainstream, or whether we are still years off seeing them have some real impact on commerce and payments. I...
Last year the US contributed close to 20% of the world's GDP despite coming off the back of the biggest economic downturn since the 1930's Great Depression. The US, UK, Germany, Russian and CIS State...
Recent research has shown that banks spend more on IT than any other industry sector (See Deutsche Bank Research - IT in banks: What does it cost?). In fact, on average banks expend 7.3% of their bud...
Recently I have been embroiled in an interesting debate on Finextra.com regarding the death of cash, or as some may classify it, the premature assassination of cash. Connected with this the threat of...
This week we're celebrating 5 years of the Apple App store (see Wired's commentary.) The realization that in 5 years mobile and apps have had such a huge impact on banking, can not be understated. Of...
I had a call with an industry colleague earlier today talking the recent news on GMail Google Wallet integration, Dwolla's funding round and the "Square Cash" announcement. At large I'm seei...