Latest opinions that Howard Berg has shared on Finextra

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Howard Berg

Senior V President,North and Central Europe, BPS

Gemalto DIS

Member since

18 Nov 2009

Location

London

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Howard's opinions

Why banks should consider a Digital First approach

By now everyone should be aware of Digital First banking. Its ability to enable both physical and digital card issuance, real-time card management or secure, straightforward free online payments, showcases the countless benefits consumers are enjoying on a daily basis. These digital features are delivering the cornerstone of modern banking – conve...

18 August 2021 /payments /retail Frictionless Payments

Banking data – who owns it?

Banks have long been the custodians of our financial assets – our money, credentials, and our data – and the heart of our society. However, as digitisation has developed, so has the realisation of the importance of data’s value in enabling new services; from the latest Netflix suggestions based on our viewing history or emails on the latest trends...

19 May 2021 /security /regulation Data sharing

Why banks can be the driving force behind digital identity schemes

The first internet protocol, invented back in the 1960s, only allowed machines to talk to each other and could not enable the secure identification of the person using them. This was not a problem for the first generation of internet users, who trusted the website they were on. But as the number of organisations offering services online increased,...

04 December 2018 /security Banking Strategy, Digital and Transformation

Biometric Payment Cards: The Next Payment Revolution

Over the last 20 years, biometric technology has permeated our everyday lives whether we’ve realised it or not. We’ve been scanning our prints and faces at border control and using Apple’s Touch ID and facial recognition features on our smartphones, through to using our fingertips to get access to highly secure buildings. Despite this, biometric s...

12 November 2018 /payments

Mobile banking is shifting gears with PDS2

Mobile devices are the backbone of digital transformation, enabling new innovations such as smart cities and connected cars. But they are also the backbone of disruption in the digital banking world. They can transform a bank from a distant place you go to occasionally, when you need something in particular, to a trusted partner who is always the

25 August 2017 /regulation

Delivering Strong Customer Authentication in the Banking Sector

When innovations start to create real value, the authorities start to regulate. So if you want to see where value is being created, have a look at where new regulations are coming into force. The digital revolution is one example. It is changing nearly all business sectors, and financial services is no exception. In fact, things have changed so m...

21 August 2017 /regulation

What does the future hold for the traditional bank branch?

Big names in banking are permanently closing the doors on thousands of branches across the UK, leading to some commentators expressing doubts over the place of the bank branch in the digital world. Consumers are increasingly used to managing their finances via the internet or smartphone applications. But the reality is there is still a place for ...

07 June 2017

Using biometrics to marry trust and convenience in the banking world

Last month, a new survey of UK consumers found a growing appetite for the use of biometric methods to access and authenticate online banking services. In particular, it found that consumers would prefer to use fingerprint recognition than the traditional methods of passwords or memorable questions, which have been undermined by ongoing data breac...

04 May 2017 /payments

2017: the year of the seamless integrated banking experience?

The last decade has seen the global banking industry wrestle with a lethargic economy, historically low interest rates, and a stiff regulatory environment. But the tide of forces squeezing margins could finally take a turn this year. With the impending fintech threat, rising interest rates and regulatory changes, banking institutions are in for a ...

27 February 2017 /security

The clock is ticking on payment fraud

The UK is facing a growing crisis at the moment. Since 2010, Card Not Present (CNP) Fraud has cost the UK economy £1.7 billion, with the number set to increase as UK banks deliberate how to cure the problem. CNP is currently responsible for 70% of card fraud on EMV, a global standard for credit and debit payment cards based on chip card technology...

13 October 2016 /security

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