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Retired Member

Where next for credit risk scoring?

The way credit scores are calculated could be set to change as new and novel ways of assessing ability to repay come to the fore. An evolution in this area is perhaps due. Credit and loan applications...

09 Dec 2015
Retired Member

MiFIR: How ISINs Work: 4

Who can issue ISINs? You might think that any stock or derivatives or commodities exchange can issue ISINs for the instruments traded on their platforms - but they can't. ISO has nominated one Regis...

09 Dec 2015
Luke Purser

9th December 2015: Christmas Comes Early for European Merchants

Today marks a significant date for interchange rates across the Europe as all EU countries align their domestic credit (0.3%) and debit card (no more than 0.2%) rates. Whilst several countries includi...

09 Dec 2015
Retired Member

CROWDFUNDING: GOLDEN OPPORTUNITY FOR BANKS OR PARADOX PART II

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 Len...

09 Dec 2015
Retired Member

Delivering a return on KYC: more than meets the bottom line

The cost of compliance continues to be one of the hot issues in financial services. Year on year spend seems to increase but the question still remains – are the investments delivering a return and i...

08 Dec 2015
Vikas Goel

Is the time ripe for National Mobile Wallet in India?

I think so, at least following facts suggest so 980Mn+ mobile users and growing 270mn+ internet connections (projected in 2015) 350mn+ internet users (projected in 2015) 3rd largest In...

08 Dec 2015
Retired Member

Click and Collect- Why financial services companies need a digital first collections strategy

Recent figures from the Bank of England seem to indicate that we are heading for a fresh household debt crisis in the UK. People are borrowing at the fastest rate in almost a decade as confidence in t...

08 Dec 2015
Retired Member

What are the Dangers of Light Touch Regulation in the Alternative Finance Space?

Interesting piece in the Financial Times recently on the issue of alternative groups like P2P lenders, insurers and asset groups seizing business from lenders by offering cheap and convenient finance....

08 Dec 2015
Nischala Murthy Kaushik

When will mobile payments reach the Tipping Point? 5 years, 10 years or ?????

I am currently re-reading Malcolm Gladwell's book The Tipping Point. The crux of the book is around what the author highlights as "The tipping point is that magic moment when an idea, trend, or ...

08 Dec 2015
Retired Member

Modern Trends. EU Payment Services Directive PSD 2

Clearly, the payment services industry has got to the point where an important change is expected to take place. There are quite a few indications to suggest this. The EU has enacted and put into effe...

08 Dec 2015
Retired Member

Robo-advice - Is the tail wagging the dog?

Another day, another robo-advice headline. It’s a human truth: we love to dissect a new trend and debate its merits. Internet communication amplifies this and we risk developing a distorted view of pr...

07 Dec 2015
Retired Member

Bacs Transport Layer Security Changes - we're ready are you?

With technology, regulation and compliance advancing at such a rapid pace, it's important that companies keep abreast of any change that is likely impact their business and, notably, their ability to ...

07 Dec 2015