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RegTech alone will not save the banking industry. It must embrace digital and work out the supply chain disruption that #FinTech has created. However with profit margins continuing to shrink, regulat...
The view before the year started was that gross lending would increase, more lenders would launch, helping drive up intermediary market share and further regulation was not necessarily a good thing. F...
For financial services, 2016 has been a year of continued innovation and disruption as new entrants have sought to challenge and in some cases replace traditional service providers. Fintech firms beli...
As we near the end of 2016, Banks continue to form Blockchain consortium groups to develop platforms and test this technology, the most prominent being R3CEV, Hyperledger Project and the like. While ...
Recent unrest among the middle classes across both sides of the Atlantic and a greater number of voters in both the UK referendum and US elections suggest they want change, and they want it soon. Wol...
The point of making predictions is not to be right, but to be ready. So with that purpose in mind, what might technology have in store for financial markets in 2017? The big four underlying trends One...
The role of bank CIO has always been a high-pressure one. It is characterised by the need to ‘keep the lights on’, continuously using data and technology to innovate, juggling budgetary restrictions a...
Fintechs are disrupting many aspects of the financial services industry and wealth management is no exception. These new entrants can provide scale and greater customisation at a much lower cost than ...
When is disruption a bad thing? According to the London black cab driver I had recently, it is when Uber comes to town. A rival taxi company using an app for hailing and a GPS for finding its way arou...
ESMA has today published the latest Q&A on investor protection. The document spans many different topics, but what sparked my interest in particular are the comments around the best execution
To win and retain customers, retailers and providers of consumer credit compete to offer a hassle-free customer experience. This means efficient checkout processes from retailers and fast and efficien...
Most of the lower or middle income group families in India has only one member earning for the family, but almost everyone in the family has a role to spend for various expenses. This case is more rel...