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As a self-confessed Millenial and (I like to think) early adopter I for one am slightly fed up of hearing this talk about new entrants into the Banking sector and specifically ‘Challenger Banks’ will ...
From analogue to digital Banks’ small business relationship management isn’t what it used to be. Digital services have taken over from the branch, resulting in branch closures and, subsequently, relat...
According to a recent report by Citi, cash is slowly but steadily on its way out. At the same time, questions are being raised on why we should not accelerate the transition as much as possible. Co
By Hakim Mendjeli , 4by90 consulting (This article was first published here) This is the first instalment of a few articles to share my perspective on innovation, retail banking, Fintechs and competi...
The complete recipe for a financial services app that stands out from the crowd So, you want to design a financial services app. But how do you make it stand out from the thousands of others already i...
Santander recently announced that monthly charges on its popular 123 account would more than double. This move illustrates how the retail banking industry is changing, in response to the European Unio...
How banks operate today is just outdated. Their procedures tend to be complex, inconvenient and offline. Either the banks will adopt new technologies or innovative companies will remove the banks fr
As we enter 2016, the IFRS 9 deadline draws even closer, and the countdown is putting pressure on firms who need to comply with the new requirements. In less than two years, on January 1st 2018, IFRS ...
The latest World Payments Report by Capgemini pointed to some key trends for 2016. The payments front end is rapidly changing with new non-bank entrants providing newer ways of bringing customers and...
E-id as a bank service has been in place for soon 20-years in Finland and it serves especially well the public sector where strong e-id is often needed - but with low usage intensity. This means that...
A few months ago, I'd posted the following update on social media: Privacy does not equal Security: Privacy is refusing to give out your mobile #. Security is refusing to give out your debit card PIN ...
On 23rd of December 2015, Finextra has selected the five most read blogs in 2015, two of which are Digital Banking Tips (Digital Marketing and Mobile Security). This is such a great honour on my side,...