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Because of increasing competition, and low interest rates, net interest income is going down. This isn’t what our shareholders and members want. But what can we do about it? In a previous post, I lis...
As banks have moved from ledger-based accounting to core banking solutions, and from there to channel solutions and digital solutions, their business has undergone much modernization and innovation. B...
Back in July when I wrote a piece on how retail banking customers continue to be underwhelmed, the Competition and Markets Authority were on the verge of suggesting new proposals that would shake-up t...
There are huge, untapped banking opportunities in Africa and banks in the region need to step up to succeed. Retail banking in Africa is far from straightforward. As the world’s second largest and sec...
Enough with the talk of the branch of the future. The branch of the future is something I’ve been hearing about since I entered the banking industry in 1986. Guess what? Nothing has really changed tha...
The United States presidential race is in its home stretch. Trump is confident of victory but his policies for the financial services industry are questionable. In his manifesto he states he wants to ...
It has been three years since the Current Account Switch Service (CASS) was launched in September 2013 to give consumers a simple, reliable way of switching current accounts – as opposed to the labori...
A Culture of Compliance…sure we have that. That’s what everyone says. But do you really? It’s not just about talking the talk, but walking the walk too. Maybe you have strong policies and procedure...
For years, London has been the fintech capital of the world. Is that likely to change now that Britain is gearing up to leave the EU before April 2019? While U.S. regulators have struggled to crea
We live in a world where an ever growing amount of us have Fitbits, Jawbones and other tracking devices that are increasingly measuring and comparing our physical performance. We know how many steps
Since the financial crisis, the major UK retail banks have primarily been keeping their head down, averting or avoiding scandals and dealing with changing government regulations or mandates. What they...
Financial services organisations still often face both ways at once on cloud and analytics. They want analytics everywhere but, when it falls short of its promise, retreat. They don’t particularly w...