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There’s a lot of speculation around economic volatility in local markets. With volatility comes opportunity for the most entrepreneurial banks. However, to exploit these opportunities there’s a growin...
Over the past couple of years I have had the good fortune to discuss the need for improved understand of profitability and capital utilization in broker dealers. Frustrations abound. Discussions on th...
My grandmother likes to stay informed and recently told me: << I read on the magazine a few days ago about something called “blockchain”. Everybody seems to have fallen in love with it so it mus...
As we progress through 2016, the regulatory landscape is being shaped by many new or emerging initiatives. It is sometimes easy to forget that the initial start to all this was political, generally in...
When banking APIs emerged, or even when their processing screen scraping technology was used, banks hysterically objected, trying to block this “extraordinary” access to their clients’ data. It wasn’t...
They said cash is costly. It didn't work with merchants. They launched one mobile wallet after the other to drive cashless behavior. It didn't work with consumers. They scared people away from currenc...
Most banks would admit familiarity with some or all of the following: (i) a large unwieldy mash-up of silo systems that may or may not talk to each other; (ii) complex, interacting business activities...
With multiple exchange operators from overseas courting London Stock Exchange Group (LSEG), and with the "Brexit" referendum coming in June, a topical question is - who will issue ISINs for ...
The deadline for enforcement may not be written in stone, but the countdown for MiFID II is on. As part of the new regulations, enterprises need to ensure that all records relating to client orders ar...
The pace of regulatory change is not slowing down: financial institutions realise they cannot just keep adding people and localised processes, most likely with yet more spreadsheets, just to meet its ...
After previous posts on PSD2 timelines and the role of the EBA in determining its technical detail, the question has been asked who will define the open APIs which banks will be required to implemen...
Pension freedom has created a greater need for at retirement advice, but consumers also have pressing advice needs around reducing debt and protecting their families. Employers provide a pension, bu