Join the Community

23,957
Expert opinions
40,653
Total members
361
New members (last 30 days)
193
New opinions (last 30 days)
29,263
Total comments

Latest expert opinions

clear
clear

989 Results from 2010

Retired Member

Retired Member 

The changing world of banking - a matter of process

For an industry which has been established as part of part of the bedrock of society for centuries, the degree and speed of change experienced in the banking sector over the past 15 years has been little short of astonishing. In the USA, of the Top Ten banks trading in 1995 only four remain as they were. In Europe, the landscape has been simi

/retail

Peter Gullberg

Peter Gullberg VP Product Strategy at Todos AB - a Gemalto company

eGovernment brings massive cost savings

Most of the Swedish Banks are in the move towards making their customers become electronic citizens, by equipping their customers with a banking card that also contains an electronic identity. This enables the customers to access eGovernment functions, and making it more convenient for be an electronic citizen. Banks need to equip their customers ...

Online Banking

Retired Member

Retired Member 

The unsustainable filtering model in payments

Within the payments industry I see an unsustainable model forming. Volumes of payments that need to be scanned are on the up. There have been several new regulations recently such as those set out by NACHA in the US, SEPA in Europe and similar schemes in Canada and elsewhere around the globe. These will force many banks into having to scan new tr...

/payments

Elizabeth Lumley

Elizabeth Lumley Global FinTech Commentator at Girl, Disrupted

What can FIX do for you?

I spent most of yesterday at the FIX Protocol EMEA event. For my string of live Tweets, follow the #finxlive hashtag, or @LizLum. From now on we will try to incorporate #finxlive into our live Tweets from events, to make it easier to watch the 140 character nuggets of news, comment, and gossip from Finextra's roving journos. Now, back to FIX - as e...

Data Management 101

Retired Member

Retired Member 

Visa and Wells' alerts: networking for safety and trust

The power of the alerts announcement from Visa and Wells is all about the 'network effect', that dot.com-era label for networks gaining in import as they gain in size and diversity of content. When EBay acquired PayPal, what was overlooked by observers is the network effect of the underlying fraud-analytics and commerce databases, working in tande...

/payments /regulation

Retired Member

Retired Member 

What is the branch for? Mortgage?

Listening to people from different parts of Europe, everybody claims that banking went online, and the role of branches significantly decreased. In my example, the last times i visited a branch of my bank was when i opened my account and when i applied for a mortgage loan. For every other reason i use online and mobile banking, and of course ATMs ...

/retail Innovation in Financial Services

Retired Member

Retired Member 

Need a bank account? Its yours...

Yesterday the Times (UK) reported how there are leaked plans by the UK government to force banks to provide basic bank accounts to anybody that wants to open one. The Times article describes a basic bank account in this way: Basic bank accounts allow individuals to pay in wages, benefits and a pension and provide a cash card to withdraw money. The...

/retail

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

significant change in trade patterns

Case for TSU and integrated e-invoicing, supplier finance, automated factoring and more

Retired Member

Retired Member 

Innovation through loyalty in mobile payments

With smartphones now having the bandwidth to handle sophisticated payment transactions, I see this as the year when mobile payments will really start to take off. This is down to the tremendous growth opportunity in mobile payments, not only for banks wishing to capitalise on the ubiquity of the mobile phone, but also for operators to offer their ...

/payments

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

einfach, effizient, sicher..

Elektronische Rechnungsabwicklung – einfach, effizient, sicher Thorough report for the most important market - with a 54bn€ savings potential according to Deutsche Bank Research. http://www.ecommerce-ostbayern.de/download/ERechnung/teil1/Rahmenbedingungen_und_Marktueberblick.pdf

/payments Innovation in Financial Services

Now Hiring