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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Blockchain (distributed ledger) technology is at the height of the hype cycle. VC funding so far has exceeded $1 billion. Banks, payment and clearing systems, government agencies and service provider...
Wrote most of this in 2009..some adjustments made. Are we doing the right things in the right order? Maybe not… at least not often enough. The socio-technical landscape has changed so fast and we are ...
Posted this in 2012 - most aspects still valid - in a frantic world: The first and main pillar of banking is trust. It can be built and maintained by sticking to moderate risk taking – both in lendi...
Think of this as a Hyde Park Corner moment. I get passionate about things. It drives my wife crazy. As a long-time banker and technologist, I want to see banking transformed by digitization. As a huma...
Abstract – This article is neither a conclusion nor a claim by any means this is just an assumption and current picture focused on African markets. Idea for this write up is to explorer, read, enjoy, ...
Abstract : Fintech or Financial technology, is an industry combining and grouping companies that are making financial services including insurance services more efficient and advanced; with use of tec...
Banks can meet changing customer expectations, but it won’t be easy. Partnering with the best Fintech firms will be a tremendous help. But what will characterize the best Fintechs? This is the fourth ...
Most banks have high priority digital initiatives. But they are still falling further behind in customer satisfaction. In this blog, I will explain and propose steps pathfinder banks can take. Banks u...
Customers are changing their expectations of everyone. Especially banks. The Connected Customer wants banking services that integrate with their connected life. If banks struggle to understand, but if...
Today's connected customer expects more of their bank. Whether they are consumers or businesses, they want an Apple- or Amazon-like experience. This represents both an opportunity and a challenge of e...
I know that many of you will be saying that SIBOS is long over and 2016 has begun with new opportunities. I do believe that there are some valuable take aways. Those of you who are SIBOS devotes, with...
The open banking framework was published a couple of weeks ago by the open banking working group. Here I share my 10 most salient take outs in 10 headings. If you want to know what the 148 pages of th...