Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,369
Expert opinions
42,409
Total members
306
New members (last 30 days)
181
New opinions (last 30 days)
29,102
Total comments
Join Sign in
Follow Unfollow

Graham Seel

Principal Consultant
BankTech Consulting
Member since
17 Apr 2015
Location
Concord
Followers
3
Following
0
Opinions
44
Long reads
0
Followed by John Sims, Martha Boyle and 5 others you follow
View Graham Seel's full profile

Graham's opinions

clear
Graham Seel

How Can Community Banks Keep Up With Customer Demands?

In a blog post last month, I listed some of the major challenges facing smaller financial institutions. One of them is the fact that customers are demanding more and more. It is hard enough for community banks to meet regulatory requirements and battle reducing interest margins. How on earth can they keep up with the rapid changes in customer ex...

01 December 2016 /wholesale Innovation in Financial Services

Graham Seel

Squeezed Interest Margins - Incentive for Innovation

Because of increasing competition, and low interest rates, net interest income is going down. This isn’t what our shareholders and members want. But what can we do about it? In a previous post, I listed a number of significant challenges and opportunities for community banks. In this, and following posts, I will dig a bit deeper into innovative ap...

09 November 2016 /retail Innovation in Financial Services

Graham Seel

OK We Need to Innovate. But Where Do We Start?

Community banks need to innovate. Most of us accept that. Too much is changing around us, too many other players are jumping on our turf. Regulators seem out to strangle us. And customers demand more and more. Community banks need to be strategic and tactical about innovation. Innovation should be driven by corporate strategy. It should be carried...

17 October 2016 /retail Innovation in Financial Services

Graham Seel

Models Are Essential for Banks, but How Do We Know They’re Right?

Banks are dependent upon models of all kinds. This is because reality is much too complex for us to understand well enough for perfect predictions of the future. Models are used as a simplification of reality. The problem is that this introduces uncertainty, which means risk. Regulators are very concerned about model risk. They require that banks ...

13 October 2016 /regulation Innovation in Financial Services

Graham Seel

Is Blockchain Really the Answer to Global Payments?

Ripple (amongst others) promises to disrupt correspondent banking by driving out delay, cost, complexity, and uncertainty. Will it deliver on this promise? Ripple has recently announced Series B funding of $55 million from some pretty prestigious players. After announcing the Ripple Global Settlement Network, they have 15 of the world’s 50 larges...

21 September 2016 /payments Innovation in Financial Services

Graham Seel

Is Community Bank Innovation Strategic or Tactical? Yes

Everyone likes to think they’re strategic. And that they can be tactical when they need to. When it comes down to it, though, how many of us are really either? How often have you heard someone ask what the strategy is, only to be told “this is a tactical project, so there’s isn’t a strategy”? What nonsense that is! There is no real tactical initia...

25 August 2016 /retail Innovation in Financial Services

Graham Seel

Innovation Basics for Community Banks and Credit Unions

“We must innovate!” Are you sick of hearing this yet? Are you focused on revenue growth, expense management and the increasing burden of regulatory compliance? If so, innovation may be the furthest thing from your mind. And yet the plaintive refrain continues, and it has merit. Why Innovate? Not because everyone else is doing it, that’s for sure.

05 August 2016 /retail Innovation in Financial Services

Graham Seel

Alternative Lending: Friend or Foe to Banks?

An Interview with Glenn Goldman of Credibly Recently I had the opportunity to pose a few questions to Glenn Goldman, CEO of alternate small business lender Credibly. I have used Credibly as an example of an alternative lender – this piece is not intended to endorse them or otherwise. However, by way of background, they have focused on providing lo...

29 July 2016 /wholesale Innovation in Financial Services

Graham Seel

It Takes a Village to Manage Operational Risk

Whose job is it to manage operational risk? The Chief Risk Officer? Check Operations Management? Check Compliance? Check Data Management? Check Technology Providers, FinTech and RegTech? Check Yours and mine? Check! Yesterday I had the pleasure and privilege of moderating a great panel discussion on Big Data Analytics for Risk Management. The dis...

22 July 2016 /regulation Innovation in Financial Services

Graham Seel

What Every FinTech CEO Should Know About Risk Management

A FinTech CEO who doesn’t understand risk management is at a crushing disadvantage. Why? Banking at its core IS the business of managing risk. Banks don’t just have to be risk-aware. They are in the business of managing risk on other people’s behalf – that’s the primary reason they exist. Banks look after our deposits, ensuring they don’t get lost...

19 July 2016 /regulation Innovation in Financial Services

  • 1
  • 2
  • 3

Graham writes about

  • payments
  • regulation & compliance
  • retail banking
  • wholesale banking
  • start ups
  • financial inclusion

Graham's opinion archive

  • 2019 (1)
  • 2018 (3)
  • 2017 (2)
  • 2016 (23)
  • 2015 (12)

Groups created by Graham

  • Financial Inclusion

See all groups created

Latest groups joined by Graham

  • Online Banking

  • Innovation in Financial Services

  • Financial Services Regulation

See all groups joined

Graham reads

  • CGAP
  • MicroFinance Gateway
  • Center for Financial Inclusion
  • Financial Inclusion Insights
ShowHide similar members

Similar members

Ben Knieff

Ben Knieff
Principal Consultant at Outside Look

Follow Unfollow
Venkataramana Singanallur Ramamurthy

Venkataramana Singanallur Ramamurthy
Principal Consultant at Infosys Ltd.

Follow Unfollow
Miltos Serbos

Miltos Serbos
Principal Consultant at GFT

Follow Unfollow
Santhy Sreedhar

Santhy Sreedhar
Principal Consultant at EdgeVerve

Follow Unfollow
Srinivasagopalan R

Srinivasagopalan R
Principal Consultant at Tata Consultancy Services

Follow Unfollow

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre