27 June 2017

Alex Bray

Alex BrayGenpact - London

Are there branches in the Star Trek universe?

27 March 2017  |  4234 views  |  1 comments | recommendations Recommends 0

The big news in U.K. retail banking last week was that the Royal Bank of Scotland is planning to close another 158 branches. The bank states that basic transactions have fallen by 43% in 7 years. Yet again, this announcement throws into relief the old discussion about the place of the branch in an omnichannel world. There's been much written on bo...

TagsMobile & onlineRetail bankingGroupFuturistic Banking
Alex BrayGenpact - London

Skinny and cuddly? How can your omni-channel experience be lean and customer-centric?

06 January 2017  |  8021 views  |  0 comments | recommendations Recommends 2

As we leave the Christmas season behind, my mind has turned to the inevitable thought of dieting. It is sad and depressing. As ever, I want to eat more and still obtain the perfect physique (which is a long way off!). It is the same in the omnichannel world. Gartner has estimated that by 2017, 50% of consumer product investments will be redirected...

TagsMobile & onlineRetail bankingGroupInnovation in Financial Services
More blog posts
Alex Bray
Alex BrayGenpact - London

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

19 September 2016  |  6842 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-ch...

TagsMobile & onlineRetail bankingGroupOnline Banking
Alex Bray
Alex BrayGenpact - London

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

25 July 2016  |  10153 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 mo...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Alex Bray
Alex BrayGenpact - London

Wearables Are the Catalyst for a New Payments Tech Wave

08 January 2016  |  3302 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 BrayGenpact - London

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

21 April 2015  |  5675 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 BrayGenpact - London

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

31 July 2014  |  11774 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 BrayGenpact - London

Retail channels - competing and cannibalising?

15 April 2014  |  3357 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 BrayGenpact - London

Is Social Media a Channel?

05 March 2014  |  2909 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 BrayGenpact - London

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

25 November 2013  |  6289 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
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