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The promise of using our mobile phones as wallets, replacing our credit cards and cash, is a promise that has yet to arrive, but now seems to be just around the corner. Some weeks ago for example, Mas...
(1/4) In the ever-growing complexity of today’s E-commerce world, organizations are facing more and more the challenge of understanding their own needs and identifying and selecting the appropriate b...
I recently realised that this is a question that all my clients raise when they begin engaging with their customers through social media. It was a question I was starting to dread because I wasn’t sur...
It's not the first time that Banks have asked me daft questions in order to identify me. Every few years of course I have to be sent a new card and as part of that process I have to "activate&quo...
A bit overdue, but here’s the third installment of the 4 C’s of core banking. Finding the best way to tackle legacy core systems has re-emerged as a key topic of debate among banks, from top tier glob...
The key battle of this decade on the internet is clearly going to be the battle between Facebook and Google. In the first decade of this century, Google came from a startup to dominate search on a glo...
Here in the UK, mortgage providers are already sowing the seeds of the next housing bubble. I read in this weekend’s Telegraph about a product innovation that is ‘designed to help first-time buyers g...
Last year I commented at SIBOS that there was finally the realization that things weren't returning to normal - a new normal was emerging. This was a common theme emerging from the myriad of discussio...
I attended a conference by FST on the Future of Banking in New Zealand this week. Besides the buzz in the town around the Rugby World Cup starting next week, it was obvious that there is a healthy glo...
Thoughts on the outcome of the debate on cloud computing and SaaS In my pursuit to understand cloud computing without frills, I found the document on NIST portal (http://csrc.nist.gov/publications/dra...
On September 12 the UK’s Independent Commission on Banking (ICB) is due to make its final report. Most observers expect the Commission to recommend a much bigger differentiation between commercial/ret...
When thinking of the root causes of the recent financial crisis, clearly the unsustainable path of credit creation stands out as the central problem plaguing the financial sector. Due to the taming of...