28 September 2016

Devil's Advocate

Archive for: March, 2009
Roger ElwellYes Please - Colchester

Deflation? Cobblers

24 March 2009  |  3907 views  |  0 comments | recommendations Recommends 0

I suspect that many people are like me in not believing we are in a deflationary situation. It is complete cobblers and should not be influencing economic policy. The principal reason why the RPI is dropping into negative territory is that interest rates have been destroyed in recent months. This allegedly reduces the cost of living, which is rub...

TagsCardsRetail bankingGroupTrends in Financial Services
Roger ElwellYes Please - Colchester

Card Cheques and Auto Limit Increases

17 March 2009  |  3898 views  |  0 comments | recommendations Recommends 0

Interesting development on the credit card front. Once more, the Government is trying to make out that the financial services industry is at fault for pushing credit on people. Whilst I subscribe to the view that there needs to be shackles on mortgage salary multipliers and LTV ratios (because that is heavily price-inflationary), I am less certain...

TagsCardsRisk & regulationGroupTrends in Financial Services
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Roger Elwell
Roger ElwellYes Please - Colchester

Do Some Real Good With 75 Billion

06 March 2009  |  3955 views  |  3 comments | recommendations Recommends 0

If the Government is going to spray £75 billion quids' worth of petrol on the embers of the economy, they could at least do it in a way that stands the best chance of achieving something. Here's an i...

TagsRisk & regulationRetail bankingGroupTrends in Financial Services
Roger Elwell
Roger ElwellYes Please - Colchester

Calling Dr. House...

05 March 2009  |  3372 views  |  1 comments | recommendations Recommends 0

Do you watch House, the US medical drama series? In it, the team, ably led by the wonderfully acerbic Hugh Laurie as the eponymous head doctor in the Department of Diagnostic Medicine, solve puzzling...

TagsRisk & regulationRetail bankingGroupTrends in Financial Services
Roger Elwell
Roger ElwellYes Please - Colchester

The Convenience of Cheques: Long May They Live

04 March 2009  |  6445 views  |  9 comments | recommendations Recommends 0

I wrote a cheque the other day. Only a small one; it was a present to a relative. A not very imaginative present, yes, but there you go. It got me thinking, though. If cheques disappeared, how woul...

TagsCardsRetail bankingGroupTrends in Financial Services
Roger Elwell
Roger ElwellYes Please - Colchester

History Rewrite at Northern Rock.

03 March 2009  |  2947 views  |  0 comments | recommendations Recommends 0

Interesting comment reported on the BBC website this morning. Gary Hoffman is quoted as saying (about the resumption of lending): "We can now return to what we do well - mortgage lending." ...

TagsRisk & regulationRetail bankingGroupTrends in Financial Services
Roger Elwell
Roger ElwellYes Please - Colchester

Confusion Marketing, a CRM Malfunction, or Just Mad?

02 March 2009  |  4280 views  |  0 comments | recommendations Recommends 1

...or desperate, or trying to send me a message that is too subtle for my limited imagination...? They're teaching some pretty weird stuff about managing customer relationships in the marketing classe...

TagsCardsRetail bankingGroupOnline Banking
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