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Introduction Banking has evolved from manual banking to computerized transaction processing, home branch to core banking where transactions can be processed from any of the bank branches. Additional c...
The giants of ecommerce have brought about the most radical change in how the world works since the industrial revolution. Apple, Amazon, Facebook, Alphabet, PayPal, and so on have transformed the way...
5 minutes to gain a different perspective. Are you happy with your mortgage deal? Probably not. I wasn’t either — until the other day. Imagine the scene… It went like this. I was sitting ...
Time to read: 5 minutes to gain a different perspective During a recent design session, I was met with silence and bewilderment when I recommended that the problem statement that we were facing may be...
Time to read: 5 minutes for a different prespective It is 2025, the mainstream proliferation of Artificial Intelligence (‘AI’), Internet of Things (‘IoT’), Robotics and Virtual Reality (‘VR’) is compl...
Time to read: 5 minutes to gain a different prespective A decade after the financial crisis the banking landscape has altered dramatically. There are now signs of real recovery following a period of i...
Time to read: 5 minutes The rise of the algorithm | governed by the algorithm Last week the UK Regulators’ (FSA and PRA) jointly issued a significant individual penalty and organisational special requ...
Time to read: 5 minutes The strategic quote … A strategic inflection point is that moment when some combination of technological innovation, market evolution, and customer perception requires the comp...
Monzo, the British neobank, this week announced an integration with one of the world’s largest automation platforms, IFTTT. Their objective is to give customers the freedom to build their own integrat...
Nobody should rejoice in the problems faced by TSB in its migration to the Sabadell system. TSB’s customer base has suffered, the bank’s reputation has been hammered and, inevitably, fraudsters have ...
In the last few years, most of the boardroom discussions have echoed the word “digital first”, thanks to internet initially and smart phones later. The strategies around customer centric approach have...
Loyalty programs give reward points to consumers for making purchases and let consumers redeem their reward points for gifts. By their very nature, reward points look like an alt-coin and quack like a...