Apple Pay could experience problems in emerging markets

The explosion of mobile device use has revolutionized the way in which consumers and businesses make transactions today. At one time, the only way to make a payment was in person or through the mail. ...

Electronic invoicing

Another Lehman’s legacy: connecting the data dots

Look back to Lehman’s and regulators uncovered 2,985 legal entities operating across 50 countries. No one understood their counterparty relationships with the rest of Wall Street or across the globe. ...

Challenger Banks Throw Down Gauntlet to Big Four

The emergence of a host of new players in the UK retail banking market is giving the traditional powerhouses food for thought. According to the Office of Fair Trading, the big four banks - HSBC, Royal...

Schema Valididation and Enhanced Reconciliations

Based on the work I have done on reconciliations for some of the largest investment banks in the world, including those in America, Canada and the UK I'm convinced that there is room for improvement i...

Five Ways to Turn Bank Branches into Competitive Powerhouses

There’s no shortage of startups in the financial services industry. Whether they’re online-only financial institutions or diversified financial services companies that are using the Web to expand into...

Life after the commodities boom

Data is one of the world’s most precious commodities. And companies dealing in commodities are facing ever complex data sets, more regulations, tighter trading timelines and depressed markets. Those l...

Is cloud the new 'business as usual' in retail banks?

It seems you can't get away from the cloud and all the hype that surrounds it. I was browsing through the Ovum report "The Critical Role for Cloud in the Transformation of Retail Banks", wh...

FCA unbundling proposal: an alternative to the ban

The FCA found that two of the 17 investment managers surveyed in its recent review of research payments had sufficient processes to meet their guidelines. Although the financial regulator was disappoi...

Bitcoin: It’s not all about the money

by Chris Neale, Lead UX Designer at Tobias & Tobias Bitcoin’s blockchain ledger may turn out to be more important than the currency Bitcoin’s rise to prominence over the last five years reminds me...

Could your corporate payments team be saving millions?

I’ve written a few times on this blog about disparate payments processes within large corporations and then the benefits associated with centralising and standardising that process. One of the clear ...

Payments strategies 2015-2020-2030

Can the suburbs compete with traditional outsource locations

Every year thousands of women leave the city as their current employers just can’t offer a workable solution to the acute work life balance challenges faced by many parents. It’s not so much that they...

A new dawn for China and the global investment community

This is a genuinely historic week for the world’s financial markets. For the first time investors worldwide can invest directly in the companies driving this country’s amazing growth story via the Hon...