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Growth in internet and mobile technologies has transformed many industries and economies. The market forces and competitive landscape has completely changed in many sectors. iTunes has fundamentally changed music industry, Amazon has driven most big brick and mortar book sellers out of business, Expedia is one of the worlds' biggest travel company….. the list goes on.
About 3 years ago when I started presenting on digital I’d open with a couple slides. The first about Fintechs nibbling around the edges of Banking the notion was these were piranha’s – one wouldn’t
Solving Unaddressed Customer Problems While internet and mobile banking have revolutionised the ease of access to banking products, there are occasions where neither digital nor traditional branch ba...
Context We have experienced first 16 years of the 21st century by now. Eventually, the pace of radical innovations has accelerated again and we see the society transforming. The way we interact with e...
Have you ever traveled to another part of the world, where people spoke a different language and followed customs that were completely different from what you were used to? Add to that a little jet-l...
The next generation of digitisation in financial services will propel the industry into the knowledge economy. More specifically, financial services firms can look forward to a future of using a more ...
Having spent nearly two decades of my career defending the use and longevity of cash I find myself reviewing this position. I have now crossed over from finance and cash/transaction automation into t...
By Hakim Mendjeli , 4by90 consulting So far, not much disruption... There is much talk about disruption and challenger banks. But there is currently little evidence of anything disruptive in the pipe...
There's a lot of debate about banks; their involvement with FinTech startups and what that should look like to avoid being disrupted. I believe it should look like this (scroll to bottom of page) New...
What’s my account balance? How can I make a payment this afternoon? And how are my investments doing right now? These are frequently the daily, and sometimes hourly, needs of today’s financial consume...
The introduction of call centres and then the fashion for off-shoring call centres in the 1990s can be considered to be occasions when many banks failed to replicate the customer experience they provi...
Going forward banks will have an increased focus on improving profitability. While bank profits have exceeded historic profitability rates, return on equity (ROE) is still low compared to the years pr...
I had dinner on Sunday night with three 13 year old girls. They were the daughter and two friends, of a close friend of mine I hadn't seen in a while. In addition to catching up on old times over a bo...