28 July 2017

Innovation in Financial Services

A Finextra Community Group

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Archive for: August, 2012
Alexander PeschkoffTEDIPAY - London

Barclays PingIt: UX SUX

31 August 2012  |  8847 views  |  2 comments | recommendations Recommends 1

If I give you £10 pounds, how difficult will it be for you to use it? Silly question. If I send you £10 via PingIt, would it be even simpler to use, considering how "revolutionary and easy" Barclays promises that service to be? Not quite. When I make a payment to someone who is not currently registered with PingIt, that person must sign u...

TagsMobile & onlinePayments
Alexander PeschkoffTEDIPAY - London

Google Wallet: behind the scenes

30 August 2012  |  8544 views  |  5 comments | recommendations Recommends 0

Google Wallet's business model "bleeds" less than I originally estimated. Google's card issuing partner is not Citi, but Bancorp (thank you for the correction, Frank). The latter is exempt from the interchange fee cap, hence Google would receive around $0.80-1.20 for every $100 spent on its card, depending on whether it was an online or ...

TagsMobile & onlinePayments
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Pat Carroll
Pat CarrollValidSoft - London

The cost of e-crime: a wake-up call for the retail industry?

29 August 2012  |  4251 views  |  0 comments | recommendations Recommends 0

The recent findings of the British Retail Consortium’s first e-crime study which estimates that UK retailers lost over £205 million in 2011-2012 due to e-crime caught my eye recently – particularly t...

TagsSecurityRetail banking
Alexander Peschkoff
Alexander PeschkoffTEDIPAY - London

Google Wallet is losing money on EVERY transaction

29 August 2012  |  26223 views  |  5 comments | recommendations Recommends 1

At launch, Google Wallet (GW) was based on Trusted Service Manager (TSM) business model, similar to the one still favoured by the mobile network operators (MNOs), e.g. ISIS. Under that scenario, GW o...

TagsMobile & onlinePayments
Retired Member
a non-active Finextra member

Google takes its wallet to the cloud

22 August 2012  |  5667 views  |  1 comments | recommendations Recommends 0

Google is trying to inject new life into its mobile wallet platform by launching a cloud-based version of the app that can be linked to Visa, American Express and Discover cards. Will it be enough? ...

TagsPaymentsRetail banking
Retired Member
a non-active Finextra member

Apps, a continuing debate: HTML5 vs. Native

21 August 2012  |  11537 views  |  2 comments | recommendations Recommends 0

I wrote my last blog about the Future of Mobile Banking Conference more than two months ago, before a busy June, summer holidays, and the Olympics. It’s now time to meet my promise to highlight some o...

TagsMobile & online
Nick Ogden
Nick OgdenClearBank - London

Improving customer loyalty - let's get back to business

14 August 2012  |  3464 views  |  0 comments | recommendations Recommends 0

Earlier this month, the Bank of England launched the Funding for Lending scheme, to lend money at below market rates to financial institutions. It is designed to prompt banks and lenders to make more ...

TagsRetail banking
Brett King
Brett KingMoven - New York

What does Square plus Starbucks mean for US payments?

08 August 2012  |  6675 views  |  1 comments | recommendations Recommends 0

Square and Starbucks just announced their intent to form a partnership for the purpose of improving or 'revolutionizing' in-store payments around the approximately 1,700 retail stores and 5,000 point...

TagsCardsPayments
Tim Tyler
Tim TylerMisys - London

Little Fluffy Clouds

07 August 2012  |  3302 views  |  1 comments | recommendations Recommends 0

I was listening to some music from my youth - Little Fluffy Clouds - The Orb - whilst watching the thunder clouds gather outside of my office. We all know that clouds live in the sky, these amorphous ...

TagsSecurityRisk & regulation
Henry Woodcock
Henry WoodcockIRESS - Warwick

The Banking Olympics : the winners are?

03 August 2012  |  5971 views  |  1 comments | recommendations Recommends 0

In the Olympics, after years of training and dedication it seems that in the eyes of the media and the public, it all comes down to winning or losing. An individual may have achieved an outstanding pe...

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Founded by Elton Cane
Date 12 Nov 2007
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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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