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Martin Bailey

Innovation and Insight in Financial Services

There's something about New York. The place exudes a sense of purpose. Broadway is the perfect place for a show and it seemed a fitting location for the Celent Innovation & Insight event. The them...

07 Apr 2014
Innovation in Financial Services
Martin Bailey

Stand and Deliver

When my dad wanted to underline something as especially true, he would use the phrase "you can take that to the bank." If someone wanted to underline the chances of something making money, t...

26 Mar 2013
Transaction Banking
Martin Bailey

Loyalty is an outdated concept

Reports on customer loyalty may differ on the exact number of people who are changing banks, but they all agree that customers are getting more promiscuous. The bad news is that I don't think we've se...

30 Jan 2013
Innovation in Financial Services
Martin Bailey

Up in smoke

When you're about 4 years of age, piggy in the middle is a fun game, but it kind of loses its lustre by the time you get to 5. At the tender age of 42, I don't ever want to play it ever again, but my ...

18 Dec 2012
Banking Architecture
Martin Bailey

Are people really that gullible?

I'm not, by nature, a suspicious man. But whenever I receive an unsolicited email from an institution with which I hold any kind of account, I resist the convenient temptation of clicking on the link ...

11 Sep 2012
Online Banking
Martin Bailey

Is your cloud SLA worth the paper it's written on?

When we recently bought a property, we had to engage the services of a solicitor in order to do the conveyancing. Part of the process involved a number of searches. A line of highly paid professionals...

15 Aug 2012
Finance 2.0
Martin Bailey

Help - I've got crisis fatigue

The world has been in crisis now for 5 years. That is a year longer than World War I and a year shorter than World War II. To me, the word crisis implies a short moment of panic when something is goin...

06 Aug 2012
Transaction Banking
Martin Bailey

The price we pay...

Some things are very easy to put a value on such as a loaf of bread or a pint of milk. Services are harder to value and prices can vary wildly especially in different geographies. How much should we p...

30 Jul 2012
Transaction Banking
Martin Bailey

In Confidence

Confidence is a powerful force. A lack of confidence can be devastating. Have enough confidence and you can achieve absolutely anything. All financial markets are underpinned by confidence. Currency r...

19 Jun 2012
Innovation in Financial Services
Martin Bailey

Not so fast...

I have recently returned from the IBM Impact conference in Las Vegas. During the scant free time I had available, I took some time out to visit the local Apple store. As in all such stores, you are su...

03 May 2012
Innovation in Financial Services
Martin Bailey

The numbers don't lie

Commander Edward John Smith had a reputation as a safe pair of hands. He had been a sailor for over 30 years and had been a captain for nearly a quarter of a century. He was decorated and saw service ...

26 Mar 2012
Martin Bailey

Guilty as charged!

There is nothing so unjust as when you have to pay for something that you think should be free or if you have to pay far more than the value that you perceive. News on the Internet, credit card annual...

19 Mar 2012
Transaction Banking