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Nick Ogden

Politics, Payments and DNA

Yesterday, given that it was a Monday, was an interesting day in the UK. We confirmed that we had exhumed Richard III and then George Osbourne had this to say. “Payments systems sit at the heart of t...

05 Feb 2013
Innovation in Financial Services
A Finextra Member

Flexbility is killing

Over the last couple of years I’ve had the opportunity to look at a variety of core banking solutions. What strikes me is that more and more these solutions are similar, not only in coverage – which w...

05 Feb 2013
A Finextra Member

2013 Bank IT spend to grow - but too much in maintenance

Industry analysts at Ovum have predicted growth of 3.4% in the IT spend of retail banks around the world in 2013 – following fast on the heels of Celent’s predictions last month of the same growth f...

05 Feb 2013
James Tomaney

Is your ATM strategy internally focused or customer-led?

Which factors most frequently determine a Bank’s ATM self-service strategy? a. Customer needs identified through robust research? b. Multi-channel customer strategy? c. Operational servicing model ch...

05 Feb 2013
Jp Nicols

Technology in Wealth Management: Opportunity or Threat?

Wealth management is an attractive business line for banks. Affluent clients hold higher balances, have lower credit default rates and utilize more fee-based services than the average branch consumer....

05 Feb 2013
A Finextra Member

Who pays a transaction tax?

One sometimes wonders how distanced politicians are from commerce, business and financial services. There is the impression that they have a desire to punish financial institutions for actions that l...

04 Feb 2013
Robert Siciliano

What Security Challenges to Focus on in the New Year

In 2012, security challenges we faced were often the ribbon cuttings and business plans that startup criminal organizations launched. In 2013, those criminal enterprise business plans will come togeth...

04 Feb 2013
Tony Tarquini

Insurers - Get with the Times

I have been in the insurance software business now for more than 25 years, and early in my career, the question was raised: “Why do brokers have client administration systems while insurers struggle o...

04 Feb 2013
A Finextra Member

Loyalty is Pointless without Redemption

Okay, so I will admit, I was quite impressed when I started using a certain retailers Mobile Wallet Application (or User Interface Application – depending upon which Industry term you prefer). It was...

04 Feb 2013
Jp Nicols

Banks are Laggards in Research and Development

Banks don't even show up on Booz & Co.'s Global Innovation 1000 spending report. They are lumped in to the "other" category of all industries except the top nine. All of the other indus...

04 Feb 2013
Innovation in Financial Services
A Finextra Member

Will moving OTC derivatives to CCPs reduce systemic risk?

The global financial crisis drew attention to the serious risk that the over-the-counter (OTC) derivatives market presented to the broader economy. Following the financial crisis, regulators across th...

01 Feb 2013
A Finextra Member

European Banking Union a first step to a win for the EU

The first steps to creating a banking union have been safely negotiated and a course set that should eventually safeguard the tax payers from expensive banking failures. It will also put in place the ...

01 Feb 2013