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Blogs
Alex Bray

Outside-in - The Key to Customer Onboarding

The giants of ecommerce have brought about the most radical change in how the world works since the industrial revolution. Apple, Amazon, Facebook, Alphabet, PayPal, and so on have transformed the way...

29 Jun 2018
Trends in Financial Services
Alex Bray

Is Monzo’s new IFTTT service the Initial Operational Test for IOT in banks?

Monzo, the British neobank, this week announced an integration with one of the world’s largest automation platforms, IFTTT. Their objective is to give customers the freedom to build their own integrat...

12 Jun 2018
Digital Banking Trends
Alex Bray

Are there branches in the Star Trek universe?

The big news in U.K. retail banking last week was that the Royal Bank of Scotland is planning to close another 158 branches. The bank states that basic transactions have fallen by 43% in 7 years. Yet ...

27 Mar 2017
Futuristic Banking
Alex Bray

Skinny and cuddly? How can your omni-channel experience be lean and customer-centric?

As we leave the Christmas season behind, my mind has turned to the inevitable thought of dieting. It is sad and depressing. As ever, I want to eat more and still obtain the perfect physique (which is ...

06 Jan 2017
Innovation in Financial Services
Alex Bray

'Omnia omnibus' - what does omni-channel really mean to banks?

‘Omnia omnibus’ means ‘all things to all men’ in Latin. That is a good way to start a discussion on the meaning of omni-channel to banks. As with so many other financial services buzz phrases, omni-ch...

19 Sep 2016
Online Banking
Alex Bray

Bank of Pikachu? What does Pokemon Go mean for banking?

You cannot have missed the latest craze for Pokémon Go. Hordes of zombified individuals are wandering around your city, staring at their mobile devices. They are hunting for Pokémon. These ‘pocket mo...

25 Jul 2016
Innovation in Financial Services
Alex Bray

Wearables Are the Catalyst for a New Payments Tech Wave

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 accepta...

08 Jan 2016
Online Banking
Alex Bray

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

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 ...

21 Apr 2015
Online Banking
Alex Bray

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

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 ...

31 Jul 2014
Online Banking
Alex Bray

Retail channels - competing and cannibalising?

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...

15 Apr 2014
Online Banking
Alex Bray

Is Social Media a Channel?

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

05 Mar 2014
Online Banking
Alex Bray

30th anniversary of Internet Banking: 10 tips to stay on top

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...

25 Nov 2013
Online Banking