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Watch out Apple Watch, 5 year old's are coming, with much bigger expectations! As a collector of all things gadgetry, it will be no surprise to many that know me well - in my kids Christmas stocking w...
Over Christmas I tweeted that 2015 could be the year of the new digital bank. I really believe that the bandwagon has finally started rolling - it may not have arrived at its destination yet… BUT if ...
Along with my colleague Chris Ling, we have put some of our thoughts together on the challenge of Legacy Modernisation in Insurance. The history of insurance systems goes back a century, but as each n...
Last decade saw automation of back office business processes through BPM technology adoption in 3 distinct areas - document-centric BPM, human-centric BPM and Straight through Processing (STP) with in...
Marketing has come off age in last couple of decades. Before e-commerce started, marketers predominantly used outbound marketing (both for B2B and B2C) to reach out to prospects via offline and electr...
There is a fair chance that structured e-invoicing (not e-mailed pdfs) will get close to 100% at least in Finland this year. Then I mean share of enterprises that use e-invoicing more or less. The rea...
While Payment industry is seeing a major consolidation at the Banking middleware and Back Office (payment processing, clearing and settlements) processes, I see a great degree of disruption in the Pay...
2015 Exchanges attempt to end disruptive trading Multiple exchanges after a decade of denial are now addressing illegal manipulative trading on their markets !These disruptive practices ; "spoofi...
We in the United Kingdom already use so little cash that we could easily have gone the way of the Nordics, where consumers have such good payment systems that mobile payments took a back seat. Yet thi...