Mobile App AB Testing - To B or not to AB

Things You Should Consider Before A/B Testing A/B testing. It’s something we’ve probably all heard of, perhaps even used, but it can often be misunderstood and misused as well (even when approached wi...

Oil record plunge a made in America phenomenon Citi says

Hi https://www.energyvoice.com/oilandgas/186199/oils-record-plunge-a-made-in-america-phenomenon-citi-says/ Oil’s record plunge a ‘made in America’ phenomenon, Citi says! Millions of investors,

What is the Future of Bank Branches?

There are many Bank branches (Retail Banks) operating across India. Do we really need so many branches of the bank to tap customer base? I personally feel going forward there will be following activi...

Disruption in Retail Banking

Four big screens

The Real Time Economy Program in Finland (2006- ) did early on set goals like: - Real Time Tax reporting of salaries, pensions and social support (for salaries ready in 2019 - rest in 2020). Dividend...

Data Management 101

Two rivers becoming one..

The rapidly swelling data river (MyData, Big Data, Open Data, structured and unstructured) and the service design river namely. In the Real Time Economy program (2006-) we have seen important progres...

Digital Banking Trends

Embracing alternative data: a three-stage approach for portfolio managers

In the quest for alpha, a growing number of portfolio managers have been exploring the esoteric world of alternative data. Some forms, such as sentiment data based on terabytes of news texts and socia...

Capital Markets Technology

It is about time

Last Friday, ESMA finally published its long anticipated call for evidence on periodic auctions. Periodic auctions became popular in 2017 and even more so through 2018 and so they are often linked to...

MiFID

Open Banking and the magic illusion of 24x7 availability

“The more things change, the more they stay the same.” The wisdom in this old adage appears to ring true when applied to the early phases of the evolution of Open Banking (or open payments). Especial

Open Banking

Bio-metrics lowering friction in payments

Reading an article of linking facial recognition systems to in-store payments made me think about where next for biometrics in payments in the real world[1]. Payments at the highest level is one entit...

Biometrics

Fintech and Travel - the Perfect Match

Fintech is expanding rapidly, and many companies around the world have wised up to the fact that they need to be more accepting of modern payment methods and technologies. We’re seeing some great dev...

Fintech

Digital Transformation - It's Not All About Technology

Digital transformation is nothing new, in fact it’s probably one of the most talked about subjects I have ever come across, there are differing opinions on what the priorities are. I have been involv...

Biometric Payment Cards: The Next Payment Revolution

Over the last 20 years, biometric technology has permeated our everyday lives whether we’ve realised it or not. We’ve been scanning our prints and faces at border control and using Apple’s Touch ID an...