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Is wealth what you have today or what you'll have next year? Evidence suggests the former, particularly when interest rates are low. More than what you own in cash, property (heading for a bubble) or...
The recent Competition and Markets Authority (CMA) report on the state of the UK banking market had a number of things to say about future direction, though perhaps the most important was the endor
Remember the good old days? When your trusty banking customer was loyal, low interest rates dictated competitive advantage and a customer’s main gripe was that you were the only shop on the high stree...
We are constantly discuss that financial design should be clear, simple and helpful in solving user issues. Traditional banks agree, but they wonder why we have to constantly repeat what appears to be...
Everyone likes to think they’re strategic. And that they can be tactical when they need to. When it comes down to it, though, how many of us are really either? How often have you heard someone ask wha...
Banks should avoid treating the delivery of CMA and PSD2 APIs as just another compliance project and instead take the same approach as when delivering new customer products such as mobile banking apps...
Good ideas are the cornerstone of innovation and progression. They create giddy excitement in meeting rooms around the world and turn failing businesses into successes stories. So why aren't companies...
I wrote this article because of an incident that happened to my friend last week; let's call him Steve. Steve wanted to buy a house by taking a loan at a bank he desired, but, in the end, he used anot...
Twenty years ago low cost airlines such as easyJet totally revolutionised the airline industry with a business model that fundamentally changed the way that people could fly. Comparisons can be drawn ...
Within the financial technology sector, the ATM is sometimes seen as an area of self-service that is seeing less use due to mobile or online adoption as consumers move towards e-money and contactless ...
The Financial Times estimates that the market for funds advised by hybrid robo-human services will grow to $16.3 trillion worldwide in the next nine years. According to Swiss financial research compan...
There is a lot of talk about digital transformation by banks but the reality is that despite what they say they are not doing it. What the vast majority of banks are actually doing is digital enableme...