David Harvey

Independent Banking Consultant at Optimal Banking Solutions

Posts: 0 Comments: 1

Career History A banker, by profession, I have helped launch banks, 'grown' banks and run banks, both here in the UK and down in Australia. I know the entire value chain and how you run a the bank (manage the P&L), to make good money whilst complying with ever increasing Regulation. More recently, working deeply with banking & nascent tech., with Big Tech., Fintech, start-ups and challengers, I now enjoy developing new business models and solutions to address Customers' very real problems with their banking today.

David is Commenting on

Built for Mars’ Peter Ramsay: HSBC needs Tom Blomfield-like figure to truly transform UX

This is both a very simple, yet very difficult task for the incumbent banks to address, so it helps if you add some facts into the story. HSBC uses (still does, as far as I know..) RMA Consulting (part of NTT DATA) to design its UX. The very skilled and experienced design team there are well known in banking for their multi-award winning Project Neo, where they will have had to integrate with significanlty more back-end systems than Mr. Blomfield at Monzo, to deliver what they did there. Maybe that's the problem..? And whilst Revolut, Starling and Monzo charge less than NatWest.. et al, none of these three banks turn a decent profit (yet...) Maybe that's a problem..? Needless to say, I venture that almost all Customers here in the UKhave a problem with their bank(s), yet very few do anything about it - most think that all the banks are the same. I know it could and should be better than it is.

11 Jun 2020 Reply Read article