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SMEs are digitally hungry. Yet banks, for the most part, have been busy feeding the digital appetites of their larger retail customers. According to research by Efma, SMEs are viewed as the main sourc...
There has been a lot of talk about how the LSE/DB1 merger might create a "too big to fail" clearing house. This seems to be missing the point somewhat as both LCH and Eurex Clearing are alre...
On Tuesday 5th April, I was going through spam on my private email account checking for any emails that may have been accidentally flagged as spam. I have set up email forwarding from a website that ...
The UK’s FCA recently released its proposed guidance for “outsourcing to the cloud and other third party IT services”. While this clarification of the regulator’s stance on the use of cloud within fin...
Think of this as a Hyde Park Corner moment. I get passionate about things. It drives my wife crazy. As a long-time banker and technologist, I want to see banking transformed by digitization. As a huma...
We’re told to change our passwords often to minimize getting hacked. Now we’re told this is a bad thing. But not for any inherent techy reason. It’s because frequent password changing makes many peopl...
Abstract – This article is neither a conclusion nor a claim by any means this is just an assumption and current picture focused on African markets. Idea for this write up is to explorer, read, enjoy, ...
Cyber-crime is reportedly one of the fastest growing crimes out there, and the financial services sector is a natural target for exploitation. HSBC is one of the most recent examples of this; the ba...
Post one of four blogs on digital transformation… For many years, banks have been advised to focus on customer experience and it has become very much a C level issue, with some banks going as far as a...
I just finished watching “The Big Short”; a film about the financial crisis and how one person, Dr Michael Burry, predicted the banking crisis. Despite being contrarian to the major Wall Street bank...
According to the World Bank, there are 2 billion unbanked adults globally. While this has reduced from 2.5 billion in 2011 thanks to new products and services becoming available that serve this mark...
We all know the official definition: Payments Services Directive 2, but we should be looking at ‘alternative versions’. “Perfect Storm Digital 2”, “Premier Service Driver 2”, “Paradigm Shift Dynamic ...