stanley epstein
Stanley Epstein

Stanley Epstein

Associate at Citadel Advantage Group
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Bio Stanley is a member and co-founder of Citadel Advantage Group., an international consultancy to the financial services industry that provides specialist services and training in the areas of operations risk mitigation, payments, and liquidity & treasury systems. Career History He holds a Masters degree in Economics and a BCom. degree in Accounting from the University of South Africa. He has over 40 years of banking and IT experience, 33 of which were with the Standard Bank of South Africa where during the 1990s he filled an industry level role holding several key position


Innovation in Financial Services

Getting digital banking right

22 Aug 2016

I really am a really big fan of digital banking. Banking digitally is a positive change from the way banking and banking transactions were carried out in the past. I really like the way it has changed my life for the better. I like the way it has given me a new freedom to do my banking when I want to, where I want to and to a large degree how I wan...

Innovation in Financial Services

Is the fintech industry killing mobile payments?

16 Aug 2016

A while back I blogged my concerns about the future of mobile payments; “Why I am worried about the future of Mobile payments”. In essence, the problem that I focused on is this - there are just too many forms of mobile payments being offered by too many organisations and by too many banks. This approach creates confusion. It come about because ev...


Innovation in Financial Services

Reflections on the fintech revolution

14 Aug 2015

Have you ever noticed how we move through phases? Looking back over my long career in the world of banking and banking technology, there were always those ‘new’ technologies that kept popping up. They would be the toast of the banking technology world for a while (in those far gone days we did not have names or concepts like ‘fintech’) and then as...

Innovation in Financial Services

Why I am worried about the future of mobile payments

02 Mar 2015

Developments in the mobile payments world have really got me worried. I come across an ever increasing account of different banks and technology companies coming to market each with their own variations of what they call “mobile payments”. To start with the term “mobile payments” is confusing to most, even some seasoned bankers. What the man-in-the...


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