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Despite all the bleating about PCI over the years, I found it to be too weak. With all the focus on Cardholder Data - as being that on the Mag Stripe - namely Cardnumber, Cardholder Name, Expiry Date ...
After two years of responding to government intervention into the revenue structure of financial organizations, bank marketers are now faced with heightened levels of competition, a more demanding cus...
I am sure we were all delighted to see that the government has fully adopted the Vickers Report !! Much focus has been placed on the business impact of separation but what does it mean in practice. Pa...
There is a common misconception between Risk Management and Compliance Monitoring in the Capital Markets sector. In reality, the two differ significantly but almost always co-exist in every FSA regula...
Banks are starting to recognise the external forces that compel them to engage with their customers online. They are expressing the desire to embrace the opportunities that social media offers and man...
Over the last couple of months, I have presented to a lot of senior banking executives on the subject of social media. The parallels between these presentations have been fascinating. At all these pre...
Digital banking has already worked wonders for those who want to beat in-branch queues, but some might argue that simply asking for a transaction to be completed is still easier than typing an instruc...
Amidst much change on the world economic stage, the need for speed is one of the few constants in the financial services industry. Seeing, understanding and being able to act on change can make a diff...
At a seminar that I attended recently, the discussion turned to, what else, but the new consumer and how she has changed. But the consumer has always been an evolving species, so what’s new? In my v...
In my last post, I discussed the challenges, patterns, and approaches to dealing with the most obvious of the “four V’s” of big data – volume – briefly touching on the subject of unstructured data and...
It is almost impossible to have lived through 2011 and not get all caught up in the social media frenzy. The launch of Google+ was one of the most talked about events of the year among the technor...
Chalk up a victory for the financial services industry last weekend in its resistance to higher capital requirements under Basel III. Institutions would still have to maintain significant buffers to p...