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The Dodd-Frank Wall Street Reform and Consumer Protection Act represent a significant step-change in the global financial services regulatory structure. Some of the provisions associated with Dodd-Fra...
Both the mobile phone and a good dose of retail therapy are much loved by the UK public. Now it appears the two have joined forces to take the high street by storm. A recent Ofcom report, which set ou...
Decision automation systems without IT involvement are moving from the frontiers of innovative thinking to a mainstream necessity. This manifests the current “innovate or stagnate” approach in the fin...
If I give you £10 pounds, how difficult will it be for you to use it? Silly question. If I send you £10 via PingIt, would it be even simpler to use, considering how "revolutionary and easy" ...
The massive Ernst & Young Global Consumer Banking survey of nearly 30,000 bank customers around the world reveals that banking customers are increasingly expecting more personalization, convenienc...
Google Wallet's business model "bleeds" less than I originally estimated. Google's card issuing partner is not Citi, but Bancorp (thank you for the correction, Frank). The latter is exempt f...
Feast in the Front Office, Famine in the Back Office – Competitive Advantage in the Middle? In the capital markets industry, the front office has seen much growth and innovation in recent years suppor...
At launch, Google Wallet (GW) was based on Trusted Service Manager (TSM) business model, similar to the one still favoured by the mobile network operators (MNOs), e.g. ISIS. Under that scenario, GW o...
Volatility in global markets, and in particular, the debt crisis in the eurozone has placed many corporations at greater risk, and in particular FX risk. “Vulnerability to Volatility Risk – a Global C...
As this form of payment (contactless card) is not yet supported by all issuers there is not the awareness needed - but hey - there is no need to be aware of it - unless you have an NFC card to use. Ba...
Not long since my previous post, but a story published yesterday caught my eye upon which I feel compelled to provide comment. Most of my time over the past year has been spent speaking to regulators,...
Thus, if you’re a bank, by 2015 your #1 channel for day-to-day retail banking will be Mobile, then Web, then the ATM, then Call Centre, and at #5, Branch.” – says Brett King, bestselling author and fo...