Latest opinions that Craig Ramsey has shared on Finextra

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Craig Ramsey

Head of Real-Time Payments

ACI Worldwide

Member since

09 Sep 2009

Location

Watford

View Craig Ramsey's full profile

Craig's opinions

Digitalisation - Mind the Gap

Digitisation or Digitalisation? Whichever is the correct term, we've seen it prevalent at Sibos this year. Much has been said about how mobile players and other non-traditional competitors are encroaching on the space typically reserved for financial institutions. But this Sibos has put into frame more than that. It's not just a few payments that...

01 October 2014

SEPA, is the burden turning into a benefit?

2014 finally saw the completion of the SEPA process that was some ten years in the making. As of the 1st August, the majority of European Banks are now compliant with SEPA guidelines. So, what does this mean for banks now living in a post-SEPA world? In theory, banks should now be in a position to reap the benefits of years of compliance to meet t...

02 September 2014 /payments /regulation

There’s a long road ahead...weeks 6 to 10 in review

Over the past three months I’ve covered 10 transaction banking topics that can help take your institutions from good to great. For the second half of my blog series, I’ve covered topics from non-functional requirements through to that ever important subject of trust. In case you missed some of my posts, here is a quick recap. You can find the full...

09 June 2014 /payments

Working for your success. Blog Series Week 10

I’m not one to quote Nietzsche, but he is attributed with saying “I'm not upset that you lied to me, I'm upset that from now on I can't believe you.” And herein is one of the most important factors in Transaction Banking, trust. Over the past ten weeks, I’ve explored a wide range of subjects that affect the Transaction Banking space; you can read t...

03 June 2014 /payments

Taking your data from big to useful. Blog Series Week 9

George Orwell would be surprised to see his vision of 1984 taking place today. What used to be referred to as ‘Big Brother’ is now a reality with tracking of everyone’s movements. Today of course, we don’t refer to it as Big Brother; Big Data sounds a little friendlier. “Big Data” are two words that have come together to say exactly what we have, ...

20 May 2014 /payments

Basel III can make you omniscient: Blog Series Week 8

Basel III has implications beyond what most people expect. This is not just a liquidity management issue that some Treasury accountant needs to worry about. It goes way beyond that and a bank can only deliver on Basel III by making fundamental changes in the way it delivers its business. Basel III focuses on two main tenets to manage risk: Capital...

13 May 2014 /regulation

Mobile is not for everyone all the time. Blog Series Week 7

Just because I have a smartphone, doesn't necessarily mean I want to do everything on it. For me, a smartphone is useful for browsing or grabbing snippets of information, and I even use it as a telephone once in a while. But maybe I’m just too old to see the appeal of sitting and staring at a 4-inch screen to watch the news. As a consumer, I orig...

07 May 2014 /payments

Sleeping with the enemy? Blog Series Week 6

Coming from an IT background, I am often overly critical of a bank’s IT department. I get frustrated when they appear to be more worried about technical standards than viable functionality. In truth, of course, both of these need to be balanced. Good functionality cannot exist without good IT - just as good technical capabilities are useless if t...

29 April 2014 /security /payments

Taking your bank from good to great: First 5 areas of focus

What can take your bank from good to great? That is the question we have been looking to answer for the last 6 weeks, and so far we have delved into five areas of focus. Our Tour de Transaction Banking is halfway to our finish line and this week I wanted to hop off the bike and recap our route, a midpoint highlight reel if you will. Stage 1: Real ...

15 April 2014 /payments

Don’t replicate, elevate: winning new customers. Blog Week 5

It's time we looked at innovation and how it can be used to drive new customer propositions. 'Oh no, not that buzzword again,' I hear you all shout. But actually, I want to look at lack of innovation. Let me explain. I was recently talking to a product manager at a bank about their new payments renovation project that was just starting. I was rathe...

08 April 2014 /payments