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Santander recently announced that monthly charges on its popular 123 account would more than double. This move illustrates how the retail banking industry is changing, in response to the European Unio...
The Deutsche Bank CEO stated that cash will disappear during the next 10 years. Why does it have to have to take so long? Take the opportunity to repost this from 2008: "EU published some figure...
We all remember how delighted we were when the newborn Google was praised as a "database of intentions" which it of course was and is - on a scale that we could not imagine then. With Facebo...
Abstract: This article focuses on how & what mobile money subscriber thinks and experience in their life span of mobile money journey. Lot has been said on how to design, what to design, how to pr...
You just learned you have a new credit card account by checking your credit or because a bill collector called you. Problem is that you don’t remember ever applying for it. You must find out what’s be...
The payments industry is currently going through a period of rapid transition, driven by the pace of innovation, new forms of competition and weightier regulation. 1. Interchange fees will shake up ...
Abstract -: Compliments of the season. This post coming out of own my observations, experience and reading from Internet. Payments innovation is happening and it’s continued since end of 2014. Intere...
This week I read a research paper ; endorsed by Mark Spanbroek acting chairman of FIA . The paper states that the order cancellation ratios of !non HFT firms are "almost identical " to HFT...
I think that I must live in a parallel universe to the one that the gurus of Mobile Payments inhabit. I stand outside the most popular sushi restaurant at lunchtime in the San Francisco Financial Dis...
How banks operate today is just outdated. Their procedures tend to be complex, inconvenient and offline. Either the banks will adopt new technologies or innovative companies will remove the banks fr
Let's Get Back to Productive Work: The recent and very public departure of Mike Hearn from Bitcoin has temporarily distracted the broader Blockchain community from the three problems that the Fintech ...
As we enter 2016, the IFRS 9 deadline draws even closer, and the countdown is putting pressure on firms who need to comply with the new requirements. In less than two years, on January 1st 2018, IFRS ...