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Digital Banking trends and Industry Intelligence for Bankers, Fintechs, and Solutions Providers
As the new year approaches, the time has come to reflect on the developments that shaped the retail banking landscape in 2018 and look ahead to the next twelve months. A year ago, I predicted that in ...
Whilst most writers will turn their attention to reviewing the past year or more likely their predictions for the coming year, Christmas is a time to think not only of our loved ones but of others les...
"How satisfied are you with your bank?" is a staple question in Voice of Customer (VOC) surveys. However, one question that is almost never asked is "How proactive is your bank in reach...
The introduction of new payment types has created a greater need for a strong, flexible card infrastructure than ever before. That’s easy for issuers to lose sight of; mobile services are new, excitin...
"Arthur Clarke once observed that cave dwellers froze to death on beds of coal.This is the opening statement of Carla O'Dell and C. Jackson Grayson's book "If Only We Knew What We Know."...
The 1920s were big on criminal mystery novels; this was the decade of Agatha Christie’s Hercule Poirot. Who, like many other famous detectives of his time, had to unlock devious puzzles involving th
There was one particular subject that got the spotlight at the recent fintech conference that I talked about. India stack. Meaning, the number of government-led initiatives to bring India to the f
I’ve been asked this question on multiple forums that why a bank is required to sell soaps, it is not their place to be and they’re not good at it so why bother, and they’re not wrong. This is not a b...
Questions on the long journey Summarizing milestones - my own experience mostly based on Fintech in Finland and the other Nordics. (Union Bank of Finland>Merita Bank>MeritaNordbanken>Nordea ...
The rapidly swelling data river (MyData, Big Data, Open Data, structured and unstructured) and the service design river namely. In the Real Time Economy program (2006-) we have seen important progres...
Knowledge monologue is pervasive All over the world, employees, customers and citizens are expected to read, understand and action the knowledge found in so many documents: policies, regulations, st...
The concept of Direct Banking – an online and mobile only bank – delivers serious bottom-line benefits, for those with a well-defined strategy. Direct banks have become a popular means of driving depo...