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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Last week saw the introduction of mandatory execution on new SEF platforms for certain standardised interest rate swaps. Such swaps will no longer be executed bilaterally between banks and their clie...
There was a skit on Saturday Night Live many years ago about a game show based on directions for getting around New England, and one of the punch lines was, "can't get there from here". Toda...
It’s been an interesting week for those interested in Financial Services and how biometrics could be used in the industry. It was the subject of my last post on Finextra (“Voiceprints can counter ID ...
Security flaw(s) and other related issues apart, Bitcoin has one fundamental problem - its proponents position it as digital currency. Sure, some of the high-profile VCs do highlight BTC's potential...
In my previous post I recommended transparent charging for services - covering the costs as a minimum - to guide the consumers to act in their own interest. Oddly enough this is not widely supported b...
When we launched e-banking back in 1982 for consumers and SMEs at Union Bank fo Finland we pretty soon started to charge for the service. We thought that getting banking into homes and offices was wor...
Everybody is writing and nobody reading? Writing takes all the time available.. I should of course not complain as my posts here have soon generation one million page views... But we do live in a time...
Malware is hitting mobile like nobody’s business. It is a sad fact of life - hackers, fraudsters, cyber-criminals and the like will never go away and will evolve and adapt as our payment landscape ev...
With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your supplier Especially small enterprises can easily move into e-i...
The new Current Account Switching Service in the UK has now been live for four months, and has been accompanied by a pretty impressive marketing campaign – TV ads, radio, print, web and even billboard...
Heated polar debates over Bitcoin are in full swing. Even the banking community, let alone non-fin companies, are divided in their opinion. With over 80 (!) competitors and wannabes, Bitcoin is not ...
With proper I mean structured e-invoicing - not e-mailing PDFs (as bad as paper mail - or even worse due to spam filters..). So why? Your customer 1. gains convenience - especially with simple mobile ...