239 Results from 2015, /retail
Retired Member
Introduction With Crowdfunding (both debt and equity) accounting for approximately $16bn globally in 2015 (Crowdsourcing, 2015) and FinTech being strongly populated with start-ups operating in the Lending space. The question needs to be asked, can the big banks take a piece of the action? Before answering that question, what is the threat posed to...
09 December 2015 /retail
Ben O'Brien Managing Director at Jaywing
Although the latest stress testing results revealed there has been significant improvement in stress testing processes since last year, the results also identified considerable variation across banks. During the 2015 stress test, the Bank of England (BoE) undertook a review of banks’ stress testing model frameworks – having found that they were wea...
07 December 2015 /regulation /retail
I’d like to consider what Value now means to the retail banking customer and what that means, in turn, for the retail banks that serve them. I'll offer a point of view on how banks have approached innovation in the past and the results; how this is changing but, arguably, not fundamentally or fast enough; and how new approaches to innovation offe...
04 December 2015 /retail
I recently attended The Payments Knowledge Forum in London. This annual gathering of users, suppliers and consultants in the transaction switching business has a 30 year history. It started as EBUG – The European BASE24 Users Group – before becoming a supplier-agnostic event after BASE24 owner ACI ended its involvement. The result is a highly f...
Today, the 2015 stress testing results of the UK’s seven largest banks and building societies have been revealed. The results show that there has been significant improvement in stress testing processes since the 2014 review, however the results identified considerable variation across banks, and highlighted areas where stress testing and capital p...
01 December 2015 /regulation /retail
Mike Davies Vice President EMEA North at GMC Software Technology Limited
Anthony Thompson, former founder of Metro Bank, laid down his vision for banking recently in an interview with Marketing Week: “nobody cares about banking”. For him, he sees banking as a basic service. It’s under this maxim, he created Atom Bank, which is mobile-only - with no plans at all of ever launching a branch. Challenger banks like Metro and...
27 November 2015 /retail
What consumers expect from their loyalty programmes is evolving. To improve the experience in line with these expectations, financial service organisations must obtain a better understanding of their customers’ behaviours and motivations. Traditional banking loyalty programmes tend to segment individuals by income, spend, or the products they buy....
Said Tabet Senior Technology Strategist, CTO Office at Dell EMC
The Black Friday and Cyber Monday weekend marks one of the busiest shopping periods in the UK. The tradition, which originated in the US, where it follows Thanksgiving Thursday, arrived in the UK a few years ago. This year, it falls on the 27th November. While many shoppers are getting excited about bargain deals, not all UK retailers are happy ab...
26 November 2015 /retail
One definition of Artificial Intelligence (AI) is everything a computer can't do yet – because as soon as it can do it, we call it normal. Behind that wry remark are the remarkable quiet advance computing IQ has been making over the years. Many complex, abstract capabilities thought to be exclusive to the human mind are no longer so – from winning...
24 November 2015 /retail
Benjamin Thorpe Director at Glory
Presenting recently at the ICCOS Asia conference in Malaysia, I was asked to talk about the changes that retail cash automation is having on other stakeholders in the cash cycle: the banks, the ATM deployers, the security industry and also the central banks. In some parts of the world retail cash automation is very much in its infancy or indeed no...
17 November 2015 /payments /retail
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