1137 Results from 2015
Retired Member
I watched a TV programme a couple of nights ago on how US special forces operated to combat terrorist operations in Iraq. They put all their intelligence agencies in a hangar in the operations zone, conducted nightly operations and fed every scrap of intelligence continuously into a large database, so building up an increasingly complete and dynam...
11 August 2015 /payments /regulation
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
Data purists would rap my knuckles for asking this question and reply, "Never". On the other hand, "data sophists" who're accustomed to lying with Big Data in even more crude ways would wonder, “Duh, they’re the same, no?” If you don't belong to either camp, you might pause and wonder if there's a golden mean between the two ex...
11 August 2015 /retail
The draft technical standards for MiFID II require exchanges to publish quarterly execution quality reports (RTS 6). Sell-side firms are expected to digest these and update their best execution policies accordingly. Additionally, sell-sides must publish their own execution quality reports annually (RTS 7), which obviously should be digested by th...
11 August 2015 /regulation
2015 has been the breakthrough year for consumer mobile payments at physical stores. Beyond the current hype, there is still plenty of debate about whether mobile proximity payment will be successful moving forward. This new consumer value has roots in both the payments and mobile ecosystems and yet is something wholly new – an idea that both ecos...
10 August 2015 Innovation in Financial Services
Many people are confused by the resurgence of personal financial management tools, after hearing for years that digital money management (DMM) isn’t working and that customers simply do not want it. We beg to differ, but can also understand why some banks have been disappointed... In the modern world we could consider money management as a basic ...
10 August 2015 /retail
A quick review of who has launched widely commercially available open-loop proximity payment (NFC) solutions for the UK market. Firstly there is Everything Everywhere (EE) – they launched Cash on Tap in 2013 which is a slightly evolved version of the initial Orange QuickTap implementation. To get this to work you need: an Android EE Monthly Contra...
According to a Forbes article, 2015 could be the best year for M&A (Mergers and Acquisitions) since the financial crisis. The article mentions "According to data from Thomson Reuters analyzed by PricewaterhouseCoopers, the U.S. saw 4,654 M&A deals worth a whopping $875 billion from the start of the year through May 31. But what might...
10 August 2015 /startups
Jeremy Light Co-founder at Fourdotzero
Ethereum recently wrote an interesting blog explaining the difference between public and private blockchains. However, I believe there is a much more fundamental question that needs to be answered – what does a distributed consensus ledger (DCL), such as a blockchain, enable that cannot be achieved with commonly used technology such as a centrali...
10 August 2015
“Reimagining, redesigning and rethinking the branches of the future” is a hot topic for banks. In order to stay ahead in the race, Banks have been experimenting with creating concept branches, adding elements such as Coffee Bars, Lounge Areas, Spa-like branches with custom fragrances and music and the like. Beyond aesthetics, to address changing d...
“Keep your friends close, and your enemies closer.” Sun Tzu, Chinese general and military strategist, uttered these famous words around 400 B.C. Today, this quote could be used to describe perspectives on the relationships between banks and FinTech start-ups. This post explores this uneasy alliance, its framing, and proposes a more pragmatic
07 August 2015 /payments
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