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“I don’t like hearing about people going to a payday lender for a loan. If they do, I’ve failed as a banker” says Sechaba Ngwenya, CEO of Creditable. His startup sits in a place where banks don’t want...
There are many aspects to delivering excellent customers service, particularly in financial services where credit-based decisions can often leave customers deeply disappointed. There is an entire indu...
Keeping your hard drive in tip-top shape is key to a well-running computer. A crashed hard drive means smacking a big wet-one goodbye to all of your data. Eliminate Unnecessary Data De-clutter the ...
A recent report published by the British Bankers Association (BBA) and advisory firm Ernst & Young - entitled It’s In Your Hands - the second in their The Way We Bank Now series - shows how ongo...
I’ve long been an admirer of First Direct. Recently I’ve begun to think that First Direct might be the model for how banks defend themselves from the rise of supermarket banking. First Direct is alrea...
The demand for cash management services by corporates is not new for our banks. However there is now more pressure than ever on transaction banks to provide more comprehensive cash management solution...
All of us receive spammy offers from banks, consumer brands, ecommerce websites, retailers and many other businesses. If you’re like me, you probably delete these SMS / email messages without even ope...
Seven years ago I was at a banking conference in the US, where the first signs of the unravelling of the banking sector became apparent. This was pre the collapse/acquisition of the big players such a...
Confessions of a naked wallet. Cashless and cardless on the streets of Germany In the third of a four-part series, Markus Sander tests the latest payments innovations. This week: cashless and cardless...
The latest initiative in Cable’s crusade for UK SME lending looks to take the risk away from the high street banks and place it on the Government. This will be achieved by guaranteeing challenger bank...
Monday sees the introduction of T+2 settlement and with it a new set of challenges for operations departments across our industry. Whilst we are not expecting a meltdown, the cost in time and effo...
We all know there's been a battle brewing for a while. Silicon Valley, with its innate ability to innovate around technology and build models for deepening customer relationships, has been squaring of...