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Martin Bailey

Technology Product Director

Temenos

Member since

29 Nov 2010

Location

Hemel Hempstead

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Martin's opinions

The numbers don't lie

Commander Edward John Smith had a reputation as a safe pair of hands. He had been a sailor for over 30 years and had been a captain for nearly a quarter of a century. He was decorated and saw service briefly in the Boer War. Whenever his company had a new high profile assignment, he was the natural choice. He ran his vessels like clockwork. Every ...

26 March 2012 /security /regulation

Guilty as charged!

There is nothing so unjust as when you have to pay for something that you think should be free or if you have to pay far more than the value that you perceive. News on the Internet, credit card annual fees, tomato ketchup sachets to go with your sandwich, credit card surcharges or ticket booking fees for example. In many parts of the Western world...

19 March 2012 Transaction Banking

How much is too much ?

At the tender age of 17, I was not particularly financially savvy. When the company I worked for moved to a new head office, it was a similar distance from my home to the old one, but the public transport links were appalling. Not being able to drive, I looked at my options and thought that the best one would be to purchase a bicycle. My last bicy...

25 November 2011

Democracy in action

Just supposing your bank was perceived to have done something unpopular with the general public and a Twitter campaign began against your institution. When would you know? When an automatic system detects it and automatically escalates it to the right person for attention? When an employee sees the traffic and lets you know? Or when it appears on ...

11 July 2011 /regulation Finance 2.0

Can I borrow some Euros?

A Greek man walks into your bank looking to extend his mortgage. He currently owes about 45K. He has a modest salary of 12K per year, but unfortunately, he currently gets through 15K, thus overspending by 3K a year. He keeps promising to tighten his belt, but every time he tries to do so, his loved ones are up in arms. He is looking to extend hi

20 June 2011

At Your Service

Unsurprisingly, working for a software house specialising in Core Banking systems, we spend a fair proportion of our time talking about customer service and what banking customers really want from their bank. During one of these conversations - the subject turned to who do you bank with, how long have you been there and why. The first two question...

03 June 2011 /retail Finance 2.0

Stop! you're peeing in my soup...

A friend of mine maintains that to have a non-smoking area in a restaurant is akin to having a non-peeing area in a public swimming pool and he probably has a point, so I wonder what he makes of the recent report from the UK’s Independent Commission on Banking. The interim report into the state of the banking market, competition and whether retai

18 April 2011

Armageddon - could you cope ?

It may not be everyone’s idea of a fun Saturday night, but my wife disappearing to the theatre with her friends offered a rare opportunity to catch up with the backlog of recorded TV programs that have been slowly building up. The most interesting of these programs (although not the most cheerful) was something called “Life after Armageddon”. The ...

04 April 2011