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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Hardly a day goes by without someone getting excited about Google's Host Card Emulation (HCE). Media is selling it as the "Open Sesame" for mobile payments. Is that true? Executive summary: ...
Have you IFTTT’d lately? Well, if you haven’t, you will be soon. You can forget about SnapChat and Pocket. They were so 3 months ago. If you’re not familiar with the app, IFTTT is a service that al...
I read an interesting piece earlier last week on imrg.org (the website of the UK Online Retail Association) arguing that consumer concerns over security could inhibit the adoption of many new payme
Google made waves last week with their announcement about Host Card Emulation (HCE) solution that allows, inter alia, to "emulate" EMV without requiring any secure element (SE). Oh my... Go...
Credit cards are expensive. According to BankRate.com the average US annual percentage rate (APR) charges on credit cards is 15.35%[1], but that’s down in recent years. During the financial crisis so...
Trick or Trade ! Halloween is really one of my favorite times of year, with the kids in costume and the free chocolate, what's not to like. Thinking and planning this morning the strategy for this eve...
Putting Out vs Putting In The ideas of Putting Out Software versus Putting In Software are two radically different approaches and goals. Especially for financial software; the difference is the banks ...
Mobile use is exploding in the banking scene. If you are a retail bank today in the developed world and you don’t have an app for your customers, you are increasingly becoming an exception. Certainly ...
In February, the release of Google Glass to developers was greeted with much fanfare in the press and excitement in the blogosphere. So, was this all puff? What has happened since? Well, there is no d...
It is a wellknown fact that the capability of IT is doubling in relation to its cost every year. It seems to be less wellknown what it means when something huge is doubling and doubling and.. (Ray Kur...
... not where it has been. Anyone who read some of my blog posts here at Finextra knows that I like that Wayne Gretzky's approach. In fact, I use both real-time dynamic "puck" analysis as w...
Money2020 was a great event that I missed. Yet, judging from media coverage and comments from people who did attend, there were few surprises there. There were some weird product launches like Loop; t...