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One of the things I love about my research is talking to organisations about how technology will change the way they do things in the future, and then working with my team to create technology to prov...
It brings me grief when I hear people refer to CBDC as being just another form of digital money or just another mobile application for making payments when in reality there is a world of difference wi...
Cloud adoption has been embraced by companies with 94% using some form of cloud computing in their operations in 2022. One of the best business decisions organisations can currently make is to no lon...
As I wrote in the first post, my interest for digitalisation started off from trying to automate more work in the backoffices. Then it moved to convenience for e-banking customers > not having to s...
An often repeated experience on my journey has been that one thing leads to another, which leads to another and so it goes. You may have a hunch about what these may add up to - but seldom a very clea...
I have a few more parts in mind. Candidates - time permitting - include: Ladders galore, Productivity impact high level evaluation, Life events as starting point for service design, Single Market leap...
The first rung in the mobile services ladder was the word syntheziser for pushbutton telephone payments created in -82. Once mobile phones - the next rung - started to appear you could use them to mak...
Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed in...
The past couple of years have been marked by uncertainty both in the financial industry and beyond, with a shift toward remote working, digital-first strategies and a growing e-commerce industry—incre...
A wise man once said: “If I was down to my last dollar, I’d spend it on public relations.” It’s a quote often attributed to Microsoft founder Bill Gates, though there’s some debate over whether he act...
In this tough economic climate, there’s no doubting that customers are looking for ways to minimise expenses wherever possible against the rising costs of living. Banks have a key role to play in supp...
The UK economy is struggling amid a cost-of-living crisis with millions of households in economic hardship. The change of leadership with the appointment of Rish Sunak as prime minister has raised dis...