28 September 2016

Alex Bray

Alex BrayMisys - London

'Omnia omnibus' - what does omni-channel really mean to banks?

19 September 2016  |  5439 views  |  1 comments | recommendations Recommends 0

‘Omnia omnibus’ means ‘all things to all men’ in Latin. That is a good way to start a discussion on the meaning of omni-channel to banks. As with so many other financial services buzz phrases, omni-channel means many different things to different people. Certainly, there is an acknowledgement in the industry that banks need to be more omni-channel...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex BrayMisys - London

Bank of Pikachu? What does Pokemon Go mean for banking?

25 July 2016  |  8407 views  |  0 comments | recommendations Recommends 1

You cannot have missed the latest craze for Pokémon Go. Hordes of zombified individuals are wandering around your city, staring at their mobile devices. They are hunting for Pokémon. These ‘pocket monsters’ are animated characters which users collect, train and fight. Users visit PokéStops and Pokémon Gyms hoping to catch wild Bulbasaurs, Pidgeot...

TagsRetail bankingInnovationGroupInnovation in Financial Services
More blog posts
Alex Bray
Alex BrayMisys - London

Wearables Are the Catalyst for a New Payments Tech Wave

08 January 2016  |  2801 views  |  0 comments | recommendations Recommends 1

New technologies are allowing us to reimagine the entire customer payment experience. In the future, the only mandatory inputs for a transaction will be the merchant’s price and the customer’s accepta...

TagsMobile & onlineInnovationGroupOnline Banking
Alex Bray
Alex BrayMisys - London

All grown up - Mobile Banking reaches the middle of the mainstream. So where now?

21 April 2015  |  4820 views  |  1 comments | recommendations Recommends 4

I have just read a fascinating report from ING. In their International Survey, ‘The Rise of Mobile Banking and the Changing Face of Payments in the Digital Age’, ING have surveyed users across Europe ...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex Bray
Alex BrayMisys - London

20 Dollar Smartphone - what does it mean for mobile banking?

31 July 2014  |  11322 views  |  2 comments | recommendations Recommends 0

In every market I visit, the message is clear – it is all about channel innovation. A couple of weeks ago, I attended the West African Banking Dialogue in Lagos. This event brought together top banks ...

TagsMobile & onlineGroupOnline Banking
Alex Bray
Alex BrayMisys - London

Retail channels - competing and cannibalising?

15 April 2014  |  3139 views  |  1 comments | recommendations Recommends 0

Over the years, the banking industry has been adapting to a consumer migration from bricks-and-mortar branches, to digital points of interaction. To handle this movement, banks have built up the range...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex Bray
Alex BrayMisys - London

Is Social Media a Channel?

05 March 2014  |  2725 views  |  0 comments | recommendations Recommends 0

I see and hear this a lot nowadays - in presentations and conversations. To be honest, apart from the questionable grammar of the question, I think the answer is pretty simple - NO! But scratch away

TagsMobile & onlineInnovationGroupOnline Banking
Alex Bray
Alex BrayMisys - London

30th anniversary of Internet Banking: 10 tips to stay on top

25 November 2013  |  6086 views  |  0 comments | recommendations Recommends 1

The first Internet banking service was launched by the Nottingham Building Society in 1983. Thirty years on, the face of retail banking is unrecognisable, but banks still need to grasp new technologie...

TagsMobile & onlineMobile & onlineGroupOnline Banking
Alex Bray
Alex BrayMisys - London

Skype-hype? Is now the time for video-chat in banking?

04 November 2013  |  3328 views  |  0 comments | recommendations Recommends 0

I worked on the first web-chat deployment at a high street bank back in 2006. At the time, we were convinced it would deliver us a range of sales and customer satisfaction benefits. And yet, it floppe...

TagsMobile & onlineInnovationGroupOnline Banking
Alex Bray
Alex BrayMisys - London

Does IBM's 2-Factor have the X Factor for Mobile Banking?

30 October 2013  |  3002 views  |  0 comments | recommendations Recommends 1

I'm a big fan – and former employee – of Big Blue. So it's always good to see the innovations that continue to emerge out of the IBM Labs. In their latest offering, reported by Finextra last week (htt...

TagsMobile & onlineInnovationGroupOnline Banking
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