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Retired Member

Is the PEN mightier than the PIN?

Despite chip and pin and its promise to secure card transactions, what makes the PEN still mightier than the PIN? The answer has something to do with interchange fees and security (zero liability for ...

15 Dec 2008
Business Knowledge for IT
Retired Member

A Strictly Important Lesson To Learn

UK residents couldn't have possibly missed the furore about "Strictly Come Dancing" on Saturday - either as viewers of the programme or as observers of the news media subsequently. The even...

15 Dec 2008
Transaction Banking
Ralph Hazell

It's a proprietary strategy!

"It’s a proprietary strategy, I can’t go into great detail." This was the answer that Mr. Madoff, the former chairman of Nasdaq, gave when asked a few years ago how he was able to give such

15 Dec 2008
Retired Member

Microsoft release iPhone app

Seadragon is some nifty image manipulation stuff from the talented boffins at Microsoft Live Labs. It allows you to zoom in on images - and keep going. You have to try it to get it - but it's impressi...

15 Dec 2008
Richard Barr

Is it really all doom and gloom?

I just had a friend phone me to tell me that after almost 12 years at the same firm, he's being laid off. I had another friend phone me yesterday to tell me how horrible his job is now. A couple weeks...

15 Dec 2008
Peter J Cooper

Getting Ready For Deflation

My private banker's report came in today, his bank's view is very bearish. Finally coming into line with my feeling for nearly 12 months. Probably the most surprising though is the talk of deflation b...

15 Dec 2008
Finance 2.0
Bo Harald

Protecting costs OR consumers?

Had a discussion last week with a representative of a consumer organization at a conference in Brussels. It did strike me - again - how little interest these organizations have to further cost cutting...

14 Dec 2008
Retired Member

Forcing Banks to Lend Part 3

If anyone needed convincing that interfering with 'proper' lending decisions by forcing banks to lend makes things worse, they need only look at the latest HBOS numbers. Huge increases in bad debts f...

12 Dec 2008
Transaction Banking
Ralph Hazell

Too big to fail?

Too big to fail = you and I pay for Bank’s losses How can we call this free markets when the big banks are being underwritten by the governments?! Ah, but they are too big to fail because if one were

12 Dec 2008
Elton Cane

Linking investment bank remuneration to risk assumption.

Earlier this week The Guardian had an interesting piece on the bonus culture at investment banks. The Financial Services Authority has written to the chief executives of major firms to urge them to r...

12 Dec 2008
Innovation in Financial Services
Retired Member

Teleworking

The gender pay gap and the lack of female managers are both issues that need to be solved. One reason for these situations is that many women leave the workforce, or reduce their responsibility within...

12 Dec 2008
Women in Technology
Gary Wright

SEPA; a spectacular failure of misunderstanding

Despite what you hear and read about SEPA it is a fact that it has failed to achieve any notable volume since it went live. At a recent conference chaired by yours truly a number of eminent speakers f...

12 Dec 2008
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