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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.

Chris Principe

Chris Principe CEO at APB, Inc.

The Golden Age of Trade

Global Trade has never NOT had a Golden Age ... Trade is the driver behind everything that happens and the reason why it happens. Trade is the reason that people have expanded across the globe. Trade is the reason that new innovations happen and then are spread to everyone. Trade is the motivation for acquiring knowledge and with it wealth. Throug...

/sibos

Retired Member

Retired Member 

McKinsey forecasting big changes and growth in payments

One of the best sessions at Sibos today came from McKinsey, who for the third year in a row fielded Philip Bruno and Marc Niederkorn to forecast what’s likely to happen to payments over the next few years. It was pretty upbeat stuff on the whole. They believe that payments revenues will grow about 7% a year, adding around half a trillion dollars...

/sibos

Chris Principe

Chris Principe CEO at APB, Inc.

The downstream BPO business - a new type of model?

One of the big buzzes around Sibos this year has been the Bank Payment Obligation (BPO) and the new ICC Uniform Rules for BPO (URBPO) released this April. (http://www.iccwbo.org/About-ICC/Policy-Commissions/Banking/Task-forces/Bank-Payment-Obligation-(BPO)/) It seems everyone was holding their breath for the dropping of the rule book, as if the gi...

/sibos

Chris Principe

Chris Principe CEO at APB, Inc.

SIBOS is my Superbowl

Wow, SIBOS, the 20+ year brainchild of SWIFT is upon us again! There is no event that excites me like SIBOS. I have been to 11 of the last 13 SIBOS's and sad to say that I will be missing this years in Dubai. There are so many expectations for SIBOS and this year is no exception. Top of my list is the Bank Payment Obligation (BPO) which in a h...

/sibos

Retired Member

Retired Member 

Native NFC on iPhone - courtesy of MasterCard Australia

I predicted back in December last year that iPhone will have NFC in 2013. We now have it! Pay attention to "tap" at 0:32. To enable that feature on YOUR iPhone, contact MC Australia :) P.S. On a serious note, NFC was my only "miss". The rest of the items from my list have been "ticked off": rise of Bluetooth Low Energ...

Retired Member

Retired Member 

Zapp - why it matters and rocky road ahead

Zapp is a VocaLink's venture. VocaLink are the "payment rails" in the UK - they are the engine behind Faster Payments scheme and the nationwide ATM network (LINK). They are in bed with every major bank in the UK. Zapp partnered with the UK's largest acquirer to offer retailers an alternative to... Visa and MasterCard. That's what Square, ...

/payments

Retired Member

Retired Member 

The 'moths light' of PayPal Beacon

How is Beacon different from in-store WiFi? Except that WiFi works on any smartphone compared to Bluetooth Low Energy (used in Beacon) which is only available on a few latest models?.. (Google enabled full support of BLE on Android only two months ago...) Also, if I am in a "shop-dense" area (e.g. a shopping mall), guess how many compet...

/payments

Retired Member

Retired Member 

No chips in the US

To usher payments into a new era, the US does not need "chips" (EMV). Here's why. Retail fraud level in the UK (EMV country) is 0.013%. Level of retail fraud related to "mag stripe + PIN" in the US is.. 0.013% too! It's not about the "chip", it's about the PIN... Also, EMV solves only part of the problem as far as...

/payments

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

The Dark Side of Security

Scene 1 I was sitting at the table of a cozy riverside restaurant with three members of congress, part of a 23-strong delegation visiting Israel in August. Led by Democratic whip Stanley Hoyer, the group of newly elected lawmakers wanted to hear all about the Start-Up Nation, and I was invited by the American-Israel Public Affairs Committee to do ...

/security

Retired Member

Retired Member 

The FCUK effect

They say there are three types of reality: (a) how we perceive a given object or situation, (b) how other people see it and (c) what that object and situation really is. Those three "realities" never align... With human beings, judgement is always "clouded" by one of the numerous biases, most of which we are not even aware of. ...

/payments

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