20 February 2017

Disruption in Retail Banking

A Finextra Community Group

24Posts 130,398Views 15Comments

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a non-active Finextra member

Cash vs. Mobile, desperately seeking a different answer!

19 May 2016  |  2614 views  |  0 comments | recommendations Recommends 1

Having spent nearly two decades of my career defending the use and longevity of cash I find myself reviewing this position. I have now crossed over from finance and cash/transaction automation into the world of mobile apps and I desperately want to be able to controversially state “that’s it, time is up for cash” but like so many things it’s just...

TagsPaymentsRetail banking
a non-active Finextra member

What disruptive banking might really look like...

25 January 2016  |  2407 views  |  0 comments | recommendations Recommends 1

By Hakim Mendjeli , 4by90 consulting So far, not much disruption... There is much talk about disruption and challenger banks. But there is currently little evidence of anything disruptive in the pipeline. Obviously, most haven’t even got their banking licenses yet and haven’t launched, hence it is hard to provide a final opinion on the matter. And...

TagsMobile & onlineInnovation
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Hamza Abu-Musa
Hamza Abu-MusaSharedEq - London


11 January 2016  |  3959 views  |  0 comments | recommendations Recommends 0

There's a lot of debate about banks; their involvement with FinTech startups and what that should look like to avoid being disrupted. I believe it should look like this (scroll to bottom of page) New...

Retired Member
a non-active Finextra member

Retail Companies Offer Important Mobile Lessons for Banks

11 September 2015  |  3526 views  |  0 comments | recommendations Recommends 0

What’s my account balance? How can I make a payment this afternoon? And how are my investments doing right now? These are frequently the daily, and sometimes hourly, needs of today’s financial consume...

TagsMobile & onlineRetail banking
Richard Carter
Richard CarterNostrum Group - Harrogate

The challenges of the digital banking revolution

01 July 2015  |  3394 views  |  0 comments | recommendations Recommends 0

The introduction of call centres and then the fashion for off-shoring call centres in the 1990s can be considered to be occasions when many banks failed to replicate the customer experience they provi...

TagsRetail banking
Veejay Jadhaw
Veejay JadhawSAP, Global Financial Services - New York

Roadmap to Financial Services Platform Modernization Strategy

29 June 2015  |  7118 views  |  1 comments | recommendations Recommends 0

Going forward banks will have an increased focus on improving profitability. While bank profits have exceeded historic profitability rates, return on equity (ROE) is still low compared to the years pr...

TagsRetail bankingInnovation
Elizabeth Lumley
Elizabeth LumleyRainmaking Innovation - London

Go forth young'uns and get me some 'innovation!'

26 May 2015  |  2948 views  |  0 comments | recommendations Recommends 1

I had dinner on Sunday night with three 13 year old girls. They were the daughter and two friends, of a close friend of mine I hadn't seen in a while. In addition to catching up on old times over a bo...

TagsRetail bankingInnovation
Elizabeth Lumley
Elizabeth LumleyRainmaking Innovation - London

I had a bank in Indonesia

05 February 2015  |  3410 views  |  1 comments | recommendations Recommends 0

It has long been my personal feeling, based on over 20 years writing about banks (or banking or financial services or FinTech, what have you) that anyone who thinks it would be a good idea to start a ...

TagsRetail bankingInnovation
Pat Carroll
Pat CarrollValidSoft - London

Chip and Signature, a Paradise Lost

28 October 2014  |  4908 views  |  2 comments | recommendations Recommends 1

By now, most participants in the US payments industry are finally about to realize that the day of the mag stripe is doomed and that EMV, the secure payment card technology rolled out in Europe nearly...

Elizabeth Lumley
Elizabeth LumleyRainmaking Innovation - London

It's not do or do not do; it's try and try and try...then do

28 May 2014  |  7074 views  |  0 comments | recommendations Recommends 1

A while ago I attended a conference (I know, shocker) where someone on stage commented that no bank would ever have been allowed to release 'Square', with the amount of bugs the US payments startup ex...

TagsInnovationStart ups
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About this group join  Join us

Founded by Prashant Jajodia
Date 03 Oct 2012
Group profile
Growth in internet and mobile technologies has transformed many industries and economies. The market forces and competitive landscape has completely changed in many sectors. iTunes has fundamentally changed music industry, Amazon has driven most big brick and mortar book sellers out of business, Expedia is one of the worlds' biggest travel company….. the list goes on. Internet and mobile technologies are big disrupters for most industries. What started (and tapered a bit!) with the dot com boom of 2000 has become a lethal threat to most...
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Edgar Cerecerez
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