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GOTHENBURG

Member since

2007

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online security blog...

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Security Payments Retail banking

Peter's blog archive

2010 (3)

Peter Gullberg

VP Product Strategy at Todos AB - a Gemalto company

Message Posts: 3 Comments: 5

Bio In charge of defining strategies, understanding customer requirements and technology evangelism. Broad knowledge in EMV, security solutions, CAP and online banking security.

Blogs

Online Banking

Trust is good for business

26 Aug 2010

Online banking is about more than cost cutting. Banks are just waking up to its potential for increased revenue and new business opportunities. In this context, online security is not just a cost of business to be weighed against losses to fraud. It is the key that opens the door. But it will only work if banks change the way they build a business...

Online Banking

Transaction Authentication - the way forward

29 Mar 2010

Over the last year I have stumbled across a number of people that all prescribe transaction authentication as a trustworthy way to solve eBanking fraud. Both security researchers, security specialists, and banks all start telling the same thing "- Transaction Authentication is the way forward." There are a number of different notations on...

Online Banking

eGovernment brings massive cost savings

25 Mar 2010

Most of the Swedish Banks are in the move towards making their customers become electronic citizens, by equipping their customers with a banking card that also contains an electronic identity. This enables the customers to access eGovernment functions, and making it more convenient for be an electronic citizen. Banks need to equip their customers ...

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Peter is Commenting on

BNP Paribas opens concept branch

I like futuristics things, that's part of my job, iPad is a nice buzzword to tell people that we are thinking of the future. But I hardly believe the future is to handle cheque and cash transactions. I my opinion, the future are communication interfaces that enables the bank to meet their customers, in the situation the customer is in. No matter if it's in the sofa or standing in front of a POS checking her balance, before buying that nice dress on sale. Future is also about re-structuring banks physical/IT-infrastructure, where providing new services will be more important than manage cash. Buying on the internet should be as easy as buying a cup of coffee, and the bank want to be a natural part of customers life.

18 Feb 2011 Reply Read article

Trust is good for business

Normal 0 21 false false false SV X-NONE X-NONE MicrosoftInternetExplorer4 Brett, I think you are correct, end-users don’t care very much about security, they want social sophistication, it’s the bank that cares about technical sophistication and want to package that into a compelling end-user offer. End-users must still feel secure when doing online banking, and that boils down to trust. The customer perceives trust subconsciously, every comunication that end-user receives, whether it’s banks own actions, their marketing, media buzz or self-perceived, is what establish the level of trust. The cues banks sends will be perceived by the end-user, and it all boils down to trust. If the bank won’t allow you to do make certain things, or they tell you how to stay safe online, helps establish or degrade this feeling of trust. The cues banks sends will be perceived by the end-user, and it all boils down to trust. End-user are not able to determine which is the most secure solution, we have evidence where customer perceives one solution better than the other, when in reality might be opposite from a pure security perspective. \Peter

01 Sep 2010 Reply Read article

What is the branch for? Mortgage?

I think your analysis on branches are "spot on", branches in the future will change alot, and will become "sales offices". The trend in Northern Europe is that branches moves from being the daily errands office, into a high value sales office. The bank sell loans and consulting services, in a branch where the bank can meet their affluent customers. The trend is very clear, Some Swedish banks already started with cash-less branches. Other trends is that banks are buying real estate companies, to reach the customer in the context when the customer is about to decide which bank to use for their house loan, and to start sell packages, that includes loan, insurances, packaged in a way that makes it easy and comfortable for the customer to choose.

25 Mar 2010 Reply Read article

Should we have chip only payment cards?

It's a good idea, but I think the correct question should be: - Should chip based ATM-cards continue to have automatic fallback to magstripe in magstripe only ATM's? It seems that MasterCard and VISA haven't really adopted the liability shift between Europe and US, where some banks still loose money, even though they have incorporated all the security features that technically would remove this type of fraud.

30 Nov 2009 Reply Read article