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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
When it comes to payments, London taxi is an interesting microcosm. A few years ago, cash was king and cabbies didn't look elsewhere - it is rumoured that many black cab drivers were filing their tax ...
Last week I had a bizarre conversation with someone who claimed to be "Head of European Business Development at Vodafone" (a big guy with a beard and Vodafone-red rimmed glasses - give me a ...
We always strive to be first. For some people it becomes an obsession. It becomes their reason for living. Their reason for cheating... nobody remembers second they reason. This seems to be the wa...
Recently I was talking to the department head of a leading bank. She told me that her salespeople were using iPads. "Great, What do they use them for?", I asked her and she said "To...
It occurred to me the other day that in a world where everything seems to come in cycles, market data appears to be no different. If you go back as far as I do in this business and I’m guessing that ...
It took almost two decades for credit card payments (followed by debit cards) to become globally ubiquitous, so it might be reasonable to think that a paradigm shift at the POS will take years to beco...
E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...
A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...
We often talk about mobile banking from a technological point of view, about the fancy new tools which allow customers to view the status of their accounts or execute simple transactions. Many have th...
I will keep this blog post short and jump straight to the point (following our recent discussions with a number of key industry players who develop m-wallet platforms as well as phone-bound secure ele...
For those in a hurry, here is an executive summary: ISO 9798, assisted by the likes of Verayo (as well as femtocells and in-store Wi-Fi). Anyone remotely familiar with EMV knows that it's a mess. EMV...
Startups have a variety of business models to choose from these days. Previously stonewalled Gardens of Eden have been opened up and made accessible on reasonable, in most cases, terms. Worldwide. Wit...