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Understanding what type of innovation the blockchain falls into is the first step for an efficient leveraging of the technology. So let’s do a little bit of theory… The blockchain innovation is a ra...
Since the financial crisis, the major UK retail banks have primarily been keeping their head down, averting or avoiding scandals and dealing with changing government regulations or mandates. What they...
During my economics study in the seventieth of last century (indeed a long time ago!) one of the courses I followed was agricultural economics. Recently I met a Canadian (with Dutch roots) from the ag...
New technologies drive cost/income breakthroughs New technologies like machine learning, biometry and block chain have entered the financial industry and will impact the banking battle on cost/income ...
How do we improve Anti-Money Laundering investigations? We all know money laundering, terrorist financing and the impressive growth of the narco-economy continues to pose a serious threat to the int
Competition amongst exchanges was a defining theme in MiFID I, but when it comes to best execution and trading venue fee structures, MiFID II might reverse some of that. MiFID II acknowledges that exc...
Financial services organisations still often face both ways at once on cloud and analytics. They want analytics everywhere but, when it falls short of its promise, retreat. They don’t particularly w...
Last year more than 18,700 attacks were reported on Europe’s ATMs - that’s nearly 1 in 20 ATMs impacted by security breaches and that doesn’t include those that go unreported. As the demand for cash r...
Small and Medium enterprise is going to drive the payment revolution, the foremost reason being that the new global SMEs are being run by tech-savvy young generation entrepreneurs and secondly that th...
‘Artificial Ignorance’ may sound like a parody that expresses a blissful retreat from the hype and fears of Artificial Intelligence. But it is not. In this case, ignorance is the act of ignoring unimp...
Within our industry we are always looking for the ‘next big thing’, from mobile payments, cloud, biometrics and behavioural biometrics through to Blockchain and Artificial Intelligence (machine intell...
Instances of Banks suffering cyber attacks are on the rise. Cyber attacks were reported this week on Banks in India. In fact Reserve Bank of India (India's Central Bank) came out with rigorous guideli...