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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Brett King

Brett King CEO & Founder at Moven

Why Apple must launch NFC in the iPhone 5

On 14th of March 2011, The Independent newspaper from the UK published an article suggesting that the iPhone 5 would not include Near-Field Communication (NFC) capability. A few days later on the 17 March, Forbes rebutted the Guardian’s article quoting a source that said NFC was a sure thing. Who’s right, and will Apple delay their NFC launch t

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

What did I write - you read - updated

On EU: Questions European Tax Payers should ask: 7275 times!! https://www.finextra.com/blogs/fullblog.aspx?blogid=2815 A digital Single Market – why and how?: 2829 https://www.finextra.com/blogs/fullblog.aspx?blogid=2813 The future of Direct Debit – e-invoicing with standing order: 2655 https://www.finextra.com/blogs/fullblog.aspx?blogid=3658

/payments

Retired Member

Retired Member 

Fraudulent Wires - Need for Customer Payment Profile

FBI's recent report states that between March 2010 and April 2011, the FBI identified twenty incidents in which the online banking credentials of small-to-medium sized U.S. businesses were compromised and used to initiate wire transfers to Chinese economic and trade companies. As of April 2011, the total attempted fraud amounts to approximately $2...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Short video re e-invoicing

http://www.youtube.com/watch?v=P6wNEVXe6ZQ

/payments

Retired Member

Retired Member 

Payments Alone May Not Pay the Bills

I came across an enterprising man who worked as a driver and doubled up as the neighborhood milkman. In the initial months, he found himself collecting and carrying large amounts of money on a daily basis, which became quite unwieldy with his day job. To make matters worse, with outstanding dues, leakages in collections and a host of challenges po...

/payments /retail

Retired Member

Retired Member 

Coupons and Payments - What Do We Have To Lose?

Electronic coupons appear to be all the rage at the moment, with the rush to the front seemingly being led by Groupon. Throwing themselves in to the fight now are Google (with Google Offers) and Facebook (with Facebook Deals) - so there might be an assumption that there is scope for considerable growth in this market. Do banks need to keep a wary

/retail

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

ATM transactions heading south

Accelerating decline in use of cash clearly reflected here and in card transaction statistics in Finland (even without costs being visibly charged for ATM withdrawals..). Good news for all. On EU level the cost of cash usage was estimated to some 50bn€ some years ago - and the consumer pays 100% of it + some profit margins for the service prov...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

e-invoicing ice hockey stick

It took time to get it going - but this is looking good (statistics covers only Finvoice - similar growth in other local standards). In a couple of years time paper or e-mailed PDF invoices will be as rare as cheques (defacto not used since years). More interesting statistics here: http://www.fkl.fi/en/material/statistics/Statistics/Statistics_bank...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

e-id services and e-commerce payments 2010 in Finland

Excellent growth figures - on EU levels the e-id volume would be 1,5bn. All public sector id-transactions are presently done by banks. This is extremely cost efficient (economy of reuse) and naturally preferred by citizens - as the tool (one-time code) is so familiar (economy of repetition and secure (economy of trust). Difficult to understand why...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

Amazing e-banking growth - again

I would have thought the transaction growth would have petered out in Finland - when most customers have used it for years - and now there are 5,2m e-banking contracts (a population of 5,4m and some probably are prepared to pay for several) - but still a 40m - 11% growth. EU-equivalent of payments would be some 28bn.. More interesting statistics h...

/payments

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