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"Keep your friends close, and your enemies closer." - Sun Tzu, Chinese general and military strategist, uttered these famous words around 400 B.C. Today, this quote could be used to describe...
THE CHALLENGE Business users must delve deeply into the significance of data relevant to their business requirements, but typically traditional ETL approaches to EDM are not the most effective, since...
As consumer expectations towards digital user experience are increasing, more and more banks are striving to provide great customer experience on their digital banking channels – online, mobile, and t...
Time to ruffle some feathers. Innovation, payments, fintech - there has been a lot of buzz and commotion there for the past few years. The end result - mostly fizzle. Why? There has been no real probl...
I have intentionally kept this short and straight to the point as I would like to hear readers' opinions. Please post a comment below with your thoughts With Crowdfunding (both debt and equity) accoun...
Investment keeps flowing into start-ups that are missioned to disrupt financial technology and break banks. The way we obtain loans, invest, accept and make payments is being challenged and disrupted ...
When the Bacs payment scheme implements SHA-2 internet security certification next year, anyone submitting direct payments will need to upgrade their Bacs approved software to ensure they can submit s...
The call for retail banks to reinvent their business models has never been more urgent. On one hand, banks are challenged by shrinking revenues and struggle with achieving operational cost efficiencie...
For those of you who remember Tom Selleck (of Magnum, P.I.) will remember the beautiful ads of the future that were done by AT&T in Tom Selleck’s voice. The ads essentially touched upon technolog...
In private banking, success today means reflecting the market as it really is, not relying on a picture from the rear view mirror. ‘Tradition’, ‘exclusivity’, ‘discretion’ are the likely associations...
The European Securities and Markets Authority (ESMA) delays seen earlier this year in the delivery of the final technical standards for the Markets in Financial Instruments Directive (MiFID II) and co...
"If there are innovators who lose, there must be followers / imitators who win" [David Teece] Imagine the situation, a brand new startup or well established firm brings an innovation to an ‘...