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To have a mobile proposition is a given for lenders today. In a 2017 mortgage efficiency survey 80% of lenders provide affordability calculations, 66% can process a decision in principle and over hal...
I saw a post earlier this week which asked what mobile banking would look like in the future. There were a few responses discussing personal dashboards, statements with PFM insights, chat banking etc....
The word innovate was first recorded in 1540. Somewhat surprising, to hear people banging on about it like it’s a revolution. What does innovation mean? And is innovation really ‘a new world for bank...
In today’s ‘age of the customer’, focus on customer experience (CX) has increased continuously. According to a Walker study, by 2020 CX will overtake price and product as the key brand differentiator....
This year, Apple celebrates ten years since the iPhone launch. We can all agree that it changed the world in which we live. But, ten years ago, just a few months after the presentation of the iPhone, ...
Loans secured with collaterals have been in the existence for at least a few hundred years, if not more. There have been mention of land pledged for loans during the Roman Empire or Ancient Greece. As...
Digital technology has changed financial services and is being driven by new entrants that possess characteristics that are increasingly important to consumers and shareholders: the ability to be lea...
Despite some recent reports about the death of bank branches, it’s clear that physical branches are still valued by consumers up and down the country. However, as customers demand more from their in-b...
Banks across the globe are investing big dollars into Intelligent Bots. HSBC has recently announced a low-cost online investment service that uses algorithms to match customers to an investment portfo...
The intention of this short article is not to talk about digital banking being the future, we all know it is and will be. I do feel there needs to be a clear distinction between what we're seeing now,...
Consumer advocates ranted about overdraft protection fees in 2008, saying the service was forced down upon consumers. While the uninitiated can Google "overdraft protection" for a prosaic de...
“Why it's simply impassible! Alice: Why, don't you mean impossible? Door: No, I do mean impassible. (chuckles) Nothing's impossible!” ― Lewis Carroll, Alice's Adventures in Wonderland & Through th...