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Bo Harald

Crusade against cash

I have written 380 blogs in Finextra since I was invited to join in 2008. Mostly about themes like e-banking, e-invoicing, e-id, e-salary, payments, the Single Market and lately more about the data-dr...

29 Dec 2018
Payments strategies 2015-2020-2030
Souvik Das

Using 'nudge' to boost bank loyalty campaigns

Can we leverage behavioral nudge in designing loyalty campaigns in banks? As a known fact, retaining existing customers cost almost a fifth of acquiring new ones. Quite evidently, banks are always ver...

24 Dec 2018
James Stickland

Strengthening Financial Security with Biometrics

Technology is evolving faster than ever, sprouting new business models and paving the way for the rise of fintech companies like Robinhood, PayPal and Coinbase. In addition to disruptions to traditi

20 Dec 2018
Mark Trevor

Cash use prior to the 23rd century

Natalie Ceeney’s recently published UK Access to Cash review asks us to consider the implications of a society where physical cash doesn’t exist. It got me thinking of a video clip I used to open a re...

20 Dec 2018
Financial Supply Chain
Amy T

How to Estimate Your Utility Costs

Moving into a new place can be a stressful ordeal in many ways, especially if it’s an upgrade from your previous one and you’re not used to the new standard yet. As long as you’re careful and know wha...

20 Dec 2018
Personal Finance
Sam Goffman

You might have missed it: another Bitcoin funeral and a 100 billion USD market

BitPay CEO Stephen Peir believes that the cost of digital money will increase significantly after it is actively used, the world's youngest cryptomillionaire ErikFinman wrote the “obituary” of Bitcoin...

19 Dec 2018
Matt Gunnell


The management of corporate actions is an old problem. It is, however, still a major challenge and an area of significant risk for many wealth managers who have not invested in automation. Historical

17 Dec 2018
Innovation in Financial Services
Bo Harald

Real Time Economy on EU top agenda

Loud and clear - Timmerman's horizontal responsibility (see page 40) With GDPR and gearing up we w...

15 Dec 2018
Fintech innovation and startups
Chris Holmes

FinTech Guide for Global Citizens

With traditional providers slow to cater to global citizens, FinTechs have been quick to fill the space, launching innovative solutions to meet global citizens’ banking, remittance and payments needs....

12 Dec 2018
Personal Finance
James Tomaney

Facts speak for themselves: a lack of innovation in financial services is failing society

As you may have read, recently published findings from consumer charity Which? have revealed consumers are not happy about the number of bank branch and ATM closures we’re seeing. Key findings show t...

10 Dec 2018
Banking Strategy, Digital and Transformation
Sudhesh Giriyan

Kenya tackles headwinds backed by robust remittances

Kenya’s economy is largely driven by agriculture and tourism. Struck by a drought in 2017, Kenya was grappling with headwinds in order to sustain its economy. The Kenyan shilling took a severe beating...

09 Dec 2018
Financial Risk Management
Sam Goffman

The worst month for Bitcoin in seven years and ICO problems

On Saturday, December 1, the cost of Bitcoin rose to the level of $4,300. Then it dropped again: today, December 5, the cryptocurrency is trading at $ 3,850. Last weekend, several events occurred at o...

05 Dec 2018
Financial Services Regulation