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Lucy Clark

UBS Fine - Banks Need to Clean Up Reputations In 2013

Things can’t get much worse for UBS. Weeks after it was rocked by an FSA fine for almost £30 million for failure to detect the trading of a fraudulent banker, the Swiss bank was last week slammed with...

28 Dec 2012
Bo Harald

My name is Guy. Same Guy. Reissued

My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a membe...

28 Dec 2012
Innovation in Financial Services
Retired Member

Ten Months of the Mortgage Market in 140 characters or less

Ten Months of the Mortgage Market Social Media in 140 characters or less A selection of my tweets on the mortgage market over the last ten months - at last the market is recovering albeit slowly. Marc...

21 Dec 2012
Innovation in Financial Services
David  Webber

Many channels but one brand voice

In the current economic climate, it would be reasonable to expect that price points might be beginning to erode brand loyalty for consumers, as they seek out the best deals at the expense of their fav...

21 Dec 2012
Pat Carroll

Dexter malware, targeting Christmas shoppers

The holiday season is a prime time for fraudsters to target consumers' credit cards and it's not surprising that Dexter has come to light a week before Christmas. Dexter is yet another malware variat...

20 Dec 2012
Information Security
Ian Bowen

Fraud: You're only as good as your last prevention.

The industry analogy is that fraud is like a balloon, you squeeze the fraudsters in one area and they pop out somewhere else. Sometimes it’s predictable like when chip & PIN was introduced, alr...

20 Dec 2012
Ian Bowen

Visa Hungary - Are they are losing their appetite?

If the recent article published on the Pymnts web site is accepted then it seems that Visa may be considering an exit strategy from Hungary in the face of substantial, and continuing, market share los...

20 Dec 2012
Ian Bowen

The effect of Mega Processors on card scheme fees?

It is becoming increasingly obvious to me that the Global and Regional card payment processing organisations have their sights set, if not on world or territorial domination, certainly on ever increas...

20 Dec 2012
Ian Bowen

You want to think Outside the Box. Then get Outside the Box!

Have you noticed it? I’ve been into countless financial service organisations and a recurring theme I’ve observed in practically all of them is that where staff come together (canteen, seminar, Chr...

20 Dec 2012
Ian Bowen

What's the Incentive in being a Super Achiever?

Is there any real incentive? As a general rule, though I accept there are exceptions at a corporate level and for certain sections of employees, most financial services companies will cap bonuses an...

20 Dec 2012
Ian Bowen

Price Transparency in Banking

Don’t let anyone tell you different, price transparency in Banking has come on a long way since my early experiences as a teenager in banking in the 1970’s. I recall being invited to take the printou...

20 Dec 2012
Ian Bowen

Card Issuers do not refer for the fun of it

Both of the international card schemes include in their impressive array of member fee tariffs an assessment fee for Issuers that breach a percentage threshold of authorisation referral responses to a...

20 Dec 2012