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ESMA has just published a report on high-frequency trading (HFT) activity in EU equity markets. It’s good to see the regulator producing an empirical study on such a hotly-debated and emotive topic. ...
Whoever thought that one day, paying with green paper would be viewed as primitive as a horse and buggy? We seem to be getting closer to that time, especially since the security of making payments via...
2014 saw contactless payment come of age and many new ideas pitched to retail. Some payments innovations have excited but some have disappointed. Mark McMurtrie has his say. What changes have impacte...
The terms ‘challenger bank’ and ‘alternative funding’ were virtually unheard of before 2007. However, in recent years they have started to receive considerable attention, and their importance & in...
Today's customer expects a uniform and relevant customer experience across channels. Nowadays it is common for a customer to traverse through multiple channels to complete a transaction. For instance,...
Over the past year I've been lucky enough to work on some fantastic new financial services propositions in the UK and USA. Some have launched this year and some will launch in the coming months. Durin...
In nearly every metropolitan area, banks are the largest buildings in the city. The largest industry in nearly every country is banking. Banks know more about consumers than any individual brand. We t...
Many Americans, says a recent survey by Gallup, worry about a data breach connected to the use of their credit cards. Interestingly, many people use a credit card for everything under the sun: even ju...
Christmas is almost upon us – a time for festive frivolity, laughter and fun. Or is it? New research from the Debt Advisory Centre (DAC), shows that 19% of people cannot afford the cost of Christmas a...
The incidence of data breaches is mounting but organisations are increasingly struggling to identify what’s driving these attacks. Consulting firm PWC recently published research that provides food f...
Why are so many banks talking about and trailing alternative approaches to traditional high-street banking? Although economics plays a role, the primary driver appears to be customers and their increa...
In an obscure corner of the Government website is a strange little document. https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/386953/141211_basic_accounts_agreement_text.pdf I...