13 December 2017

Banks and Fintech

Archive for: 2016
Graham SeelBankTech Consulting - Concord

How Can Community Banks Keep Up With Customer Demands?

01 December 2016  |  22033 views  |  0 comments | recommendations Recommends 0

In a blog post last month, I listed some of the major challenges facing smaller financial institutions. One of them is the fact that customers are demanding more and more. It is hard enough for community banks to meet regulatory requirements and battle reducing interest margins. How on earth can they keep up with the rapid changes in customer ex...

TagsWholesale bankingInnovationGroupInnovation in Financial Services
Graham SeelBankTech Consulting - Concord

Squeezed Interest Margins - Incentive for Innovation

09 November 2016  |  5098 views  |  1 comments | recommendations Recommends 0

Because of increasing competition, and low interest rates, net interest income is going down. This isn’t what our shareholders and members want. But what can we do about it? In a previous post, I listed a number of significant challenges and opportunities for community banks. In this, and following posts, I will dig a bit deeper into innovative ap...

TagsRetail bankingInnovationGroupInnovation in Financial Services
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Graham Seel
Graham SeelBankTech Consulting - Concord

OK We Need to Innovate. But Where Do We Start?

17 October 2016  |  4732 views  |  0 comments | recommendations Recommends 0

Community banks need to innovate. Most of us accept that. Too much is changing around us, too many other players are jumping on our turf. Regulators seem out to strangle us. And customers demand more...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

Models Are Essential for Banks, but How Do We Know They’re Right?

13 October 2016  |  5195 views  |  0 comments | recommendations Recommends 0

Banks are dependent upon models of all kinds. This is because reality is much too complex for us to understand well enough for perfect predictions of the future. Models are used as a simplification of...

TagsRisk & regulationInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

Is Blockchain Really the Answer to Global Payments?

21 September 2016  |  9709 views  |  0 comments | recommendations Recommends 0

Ripple (amongst others) promises to disrupt correspondent banking by driving out delay, cost, complexity, and uncertainty. Will it deliver on this promise? Ripple has recently announced Series B fundi...

TagsBlockchainPaymentsGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

Is Community Bank Innovation Strategic or Tactical? Yes

25 August 2016  |  6721 views  |  1 comments | recommendations Recommends 2

Everyone likes to think they’re strategic. And that they can be tactical when they need to. When it comes down to it, though, how many of us are really either? How often have you heard someone ask wha...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

Innovation Basics for Community Banks and Credit Unions

05 August 2016  |  11939 views  |  1 comments | recommendations Recommends 1

“We must innovate!” Are you sick of hearing this yet? Are you focused on revenue growth, expense management and the increasing burden of regulatory compliance? If so, innovation may be the furthest t

TagsRetail bankingInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

Alternative Lending: Friend or Foe to Banks?

29 July 2016  |  6266 views  |  0 comments | recommendations Recommends 0

An Interview with Glenn Goldman of Credibly Recently I had the opportunity to pose a few questions to Glenn Goldman, CEO of alternate small business lender Credibly. I have used Credibly as an example...

TagsWholesale bankingInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

It Takes a Village to Manage Operational Risk

22 July 2016  |  7248 views  |  5 comments | recommendations Recommends 0

Whose job is it to manage operational risk? The Chief Risk Officer? Check Operations Management? Check Compliance? Check Data Management? Check Technology Providers, FinTech and RegTech? Check Yours ...

TagsRisk & regulationInnovationGroupInnovation in Financial Services
Graham Seel
Graham SeelBankTech Consulting - Concord

What Every FinTech CEO Should Know About Risk Management

19 July 2016  |  18382 views  |  0 comments | recommendations Recommends 0

A FinTech CEO who doesn’t understand risk management is at a crushing disadvantage. Why? Banking at its core IS the business of managing risk. Banks don’t just have to be risk-aware. They are in the ...

TagsRisk & regulationInnovationGroupInnovation in Financial Services
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