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Graham Smith

Director
Certeco
Member since
11 Oct 2012
Location
London
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

I am a Director of a Business technology Change Consultancy Certeco.

Experience

Director
Certeco
To Present
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Latest opinions

Graham Smith

Cobol - do banks speak our language?

With yet another banking glitch affecting UK customers last week, the answer to that question must be an emphatic “no”! And with banking failures happening on a seemingly weekly basis, we perhaps should be examining the language they speak more closely. Most of our banks are built on systems and programmed with languages that pre-date the birth of ...

10 September 2015

Graham Smith

US banks forced to hold billions more in extra capital

The Federal Reserve has announced new capital ratios for US banks dictating that banks have to lift their level of equity to total assets to five per cent. Of course, the main reason is risk management, creating a financial buffer for losses that were seen during the financial crisis. Cold comfort perhaps for the eight main US banks affected by th...

17 April 2014

Graham Smith

IT Outsourcing Blamed for Tech Failures at Banks

Lloyds has been the latest victim in a litany of banking technology failures that has dogged the financial services industry. Customers were frozen out of their accounts for a few hours, unable to make ATM withdrawals or payments using their debit cards, leaving many furious at what they perceive as gross incompetence. Lloyds blamed a problem w

12 February 2014

See all 5 opinions by Graham

Graham writes about

  • regulation & compliance
  • retail banking

Graham's opinion archive

  • 2015 (1)
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  • 2013 (2)

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