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The banking industry is facing several dilemmas with distributed consensus ledger technology (the "blockchain"). Bitcoin has shown banks how the technology can be revolutionary, causing much...
A few days back, I came across this video on WestJet Christmas miracle in which an airline asked their flyers about what they'd like for Christmas and gave them surprise gifts based on their response...
The IT industry is at its best when it is unpredictable. The most innovative technologies are often the most unexpected and seem to come from the most inauspicious of beginnings. As the ever changing ...
The retail banking landscape in the U.K. has changed dramatically in recent years and it continues to evolve. We have seen the arrival of challenger banks – new, often digital entities focused on cust...
The other day, a reputable digital banker asked me, “How many lives does PFM have?” I smiled. Whereas Digital Money Management (also known as PFM, Personal Financial Management) in Europe is arguably...
The words “spying” and “stalking” have negative connotations, but there’s a flipside to the coin: parents monitoring their kids’ online activities and physical locations. And how about middle-aged adu...
A recent study by YouGov and ACI Worldwide seemed to suggest that the whole digital disruption of banking thing all adds up to a hill of beans. The study which says that mobile banking and payments a...
The results are in. 43 approved Change Requests impacting 60 message types for a total of 201 changes altogether. Sounds high, 43, doesn’t it? Well, it is 50% higher than 2015, but significantly le...
A whopping two billion people don't have access to any formal financial service. To put that in perspective, that’s twice the number of people who don’t have cell phones. Fintech represents a huge opp...
In an age driven by technology and innovation, providing services that overlay technology with human touchpoints/interaction where appropriate remains crucial in achieving good customer service, regar...
Market participants are usually surprised to find that the governance of the ISIN system is not the responsibility of ISO (the International Organization for Standardization). As the Association of N...
Earlier this week ACI Worldwide published the findings of a YouGov survey asking ~2000 UK consumers about their attitudes towards banking and new entrants, their payments patterns and behavior. We pr...