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Multi-channel banking is old hat. When it comes to retail banking, ‘omnichannel’ is the new darling of the industry. Omnichannel is far more than a fleeting infatuation. It’s an approach that can deli...
When a conservative Wall Street publication, published a piece sometime back, calling for acceptance of climate change due to global warming, and advocating measures to manage it without compromising ...
The small business segment aka the SME/business banking segment is an important part of a bank’s business and is sandwiched between the consumer and the large corporate segment. It’s relatively easy t...
Whilst I have personally enjoyed the growth of acceptance of NFC based contactless payments for my payment cards and my Samsung S4, I can't but help notice the people around me in either their payment...
Final day. I realize that this is a week late, but I feel I must complete the set, so here goes. Sibos was discernably quiet. Perhaps Thursday is the new Friday. However, no such tail-off at the S...
My recent study into the UK mortgage market has once again provided real insight into the sales and originations process and best practice. It also unearth lender sentiment as the market moves towards...
Banks are in the business of taking risks. Lending inherently carries the risk of default. No wonder, a corporate customer’s credit risk is a function of its probability of default. Lower the default ...
Its old news: there is a lot of effort being expended on the landslide of regulatory change. But before you can even start to consider complying with new (or for that matter more established) regulati...
The Basel Committee on Banking Supervision (BCBS) has published its fourth report on the implementation of Basel III regulatory reforms for the G20 Leaders' September Summit. Full, timely and consiste...
The Bank for International Settlements has published an updated Basel III monitoring workbook (version 2.6.1) to be used for June 2013 data submissions. It has also updated its frequently asked questi...
The Hong Kong Monetary Authority (HKMA) has issued a circular on Basel III implementation, setting out the final version of the standard templates (including associated explanatory text) to be used by...
When you pay with your card in a retail outlet, what is more important - that you pay with a card or that it's you who is making that payment? The industry is still defining CP as "card present&q...