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Stanley Epstein

Getting digital banking right

I really am a really big fan of digital banking. Banking digitally is a positive change from the way banking and banking transactions were carried out in the past. I really like the way it has changed...

22 Aug 2016
Innovation in Financial Services
Stanley Epstein

Is the fintech industry killing mobile payments?

A while back I blogged my concerns about the future of mobile payments; “Why I am worried about the future of Mobile payments”. In essence, the problem that I focused on is this - there are just too ...

16 Aug 2016
Innovation in Financial Services
Stanley Epstein

Reflections on the fintech revolution

Have you ever noticed how we move through phases? Looking back over my long career in the world of banking and banking technology, there were always those ‘new’ technologies that kept popping up. They...

14 Aug 2015
Innovation in Financial Services
Stanley Epstein

Why I am worried about the future of mobile payments

Developments in the mobile payments world have really got me worried. I come across an ever increasing account of different banks and technology companies coming to market each with their own variatio...

02 Mar 2015
Innovation in Financial Services
Stanley Epstein

Understanding Digital Banking

The term ‘Digital Banking’ is, to my mind, one of the most miss-understood concepts in the financial world today. Ask any group of 21st century bankers and you will get more definitions than there are...

12 Jan 2015
Innovation in Financial Services
Stanley Epstein

Securitisation and Operational Risk

Rewind to 2008. The there was one word that got everyone's hair to stand on end, at that time, it was "securitisation". Now almost six years later securitization is making a comeback. And in...

11 Jan 2014
Stanley Epstein

Operational risk management is NOT a joke

If you have been following the news these past few days you will have seen that JP Morgan is to pay a further $1.7 billion in fines under a deferred criminal prosecution agreement. JP Morgan’s problem...

08 Jan 2014
Stanley Epstein

Why has SWIFT become so SLOW?

The dictionary defines the word SWIFT as “coming, happening, or performed quickly or without delay”. I suspect that the founders of SWIFT had this thought in mind when they came up with the full name ...

03 May 2012
Stanley Epstein

How do we put banking back into banks?

I spend a good part of my working day reading – about banks and banking. It is part of what I do; and the reading part is the way that I try to keep up-to-date with current developments across the glo...

29 Apr 2012
Stanley Epstein

Cutting costs. They just don't get it.

So RBS is cutting costs. Pretty drastic stuff especially when it comes to staff expenses. Chris Kyle’s internal e-mail spells it out in detail – see http://www.bbc.co.uk/news/business-15317024 Th...

15 Oct 2011
Stanley Epstein

Is technology killing the e-mail?

Once upon a time e-mail was a simple uncomplicated affair. It was a fantastic tool for sending out and receiving communications in "almost real-time". We put up with those slow 64k dial-up

27 May 2011
Stanley Epstein

Is Mobile Banking a disaster waiting to happen?

The news this past week has been all about a Citibank mobile banking glitch. Apparently a flaw in a version of its iPhone m-banking application resulted in it improperly storing customer account infor...

31 Jul 2010
Innovation in Financial Services