25 July 2016

Alex Bray

Alex BrayMisys - London

Wearables Are the Catalyst for a New Payments Tech Wave

08 January 2016  |  2632 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 acceptance. These will be configured to require minimum effort from a customer. For example, at the most extreme with a low value payment, a customer could p...

TagsMobile & onlineInnovationGroupOnline Banking
Alex BrayMisys - London

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

21 April 2015  |  4615 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 and the US. The key message for me is that mobile banking is now mainstream. After all, it is used by 41% of Europeans. The good news for those invol...

TagsMobile & onlineRetail bankingGroupOnline Banking
More blog posts
Alex Bray
Alex BrayMisys - London

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

31 July 2014  |  11152 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  |  3058 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  |  2681 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  |  6025 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  |  3249 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  |  2936 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
Alex Bray
Alex BrayMisys - London

Is the Google Glass half full or half empty?

23 October 2013  |  2336 views  |  0 comments | recommendations Recommends 0

In February, the release of Google Glass to developers was greeted with much fanfare in the press and excitement in the blogosphere. So, was this all puff? What has happened since? Well, there is no d...

TagsMobile & onlineInnovationGroupInnovation in Financial Services
Alex Bray
Alex BrayMisys - London

The Digital Dollar - generating digital channels revenue

21 October 2013  |  2561 views  |  0 comments | recommendations Recommends 0

If banks don't develop a second generation digital channels strategy, they won't be around in 10 years time. It sounds like a bold statement, but it is a pretty safe bet. Customer behaviours, right ar...

TagsMobile & onlineRetail bankingGroupOnline Banking
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