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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Retired Member

Retired Member 

How Automotive Telematics Reduces Car Insurance Fraud

How Automotive Telematics Reduces Insurance Fraud? We all know that are car insurance is going up because of whiplash cases, bad driving by a certain age group and EU law but how can we push back and make it more difficult for motorists to do a fraudulent claim and secondly reduce insurance for good driving whether you are male or female? One of t...

/regulation /retail

Brett King

Brett King CEO & Founder at Moven

The Un'der'banked don't need banks anymore

Traditionally, if you wanted to move money around, save cash, pay a bill, purchase something at a store, or otherwise have some sort of systemic access to your cash as you moved around - you needed a “bank”. In fact, you couldn't do any of these things in the past without a bank. Despite the fact you might have opted to just use cash and stay 'off...

/retail

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Why has Eurograbber been able to do the damage it has?

Eurograbber, a Trojan that transfers itself from a user’s PC to their mobile phone has come to light, reportedly having so far defrauded banking customers out of over €36m. The simple reason for this is that many banks are reliant on SMS as a means of authenticating the user and hence authorising online transactions. Because Trojans such as Eurogr...

/security

Retired Member

Retired Member 

Increasing Efficiency in Mortgage Sales

Twenty odd years ago when I started working in the mortgage industry, space for paper files was nearly as important as disk space to store mortgage applications. The industry has of course moved on since then, but often behind the technology curve and a little grudgingly. Initially computer sales channels were little more than an electronic versio...

/retail

Nick Ogden

Nick Ogden Chairman at Ogden Research

A Change is in the Air

The autumn statement is upon us and the country is eagerly waiting decisions on small business lending, with recent pressures and initiatives demanding a clear Government plan for growth. Clear signals need to be communicated in this statement; otherwise more businesses will be left on the sidelines once again. We have seen many policies come and...

/retail

Retired Member

Retired Member 

My predictions for 2013

Some of my regular followers here at Finextra were curious as to why I have not been blogging lately. I normally write about practical and relevant issues, and it's getting harder and harder for me to do that without stepping on some NDA here or there. Also, several companies are now shifting their focus to our main playing field, and I don't want ...

/payments

Bo Harald

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

Letter to Santa Claus - reissued

Europe 17.12.2008 Dear Santa, We have been really nice, technology-neutral and hardworking Experts this year and look forward to You bringing us a few presents to play around with in 2009. The first wish is a book - more precisely a handbook. We namely wrote a letter to the EU Commission in July and asked for Equal Treatment of paper and e-invoici...

/payments

Nick Ogden

Nick Ogden Chairman at Ogden Research

Alternative lending and Government spending

The relationship between banking and small business financing is not a healthy one. Recently this has become more extreme as media attention increasingly focuses on the failures of high street banks in the lending stakes. Now we see banks, non-banks and politicians alike entering the fore in a bid to support small businesses. But given current ec...

Retired Member

Retired Member 

Ferrari versus Toyota

One of the most hotly contested topics of 2012 has surely got to be the Native versus HTML5 debate. I can understand why. We live in a world surrounded by screens. Different size screens for different platforms. Different interactions for different device types. Everything is an interface, and it’s become apparent that your brand needs a pr...

/retail

Retired Member

Retired Member 

Location, Location, Location

Mobile is the most disruptive consumer product of all time. We went from aspiring to have a computer in every home to having a computer in every pocket. Soon it will be a computer in every object. The adoption of mobile devices has driven the more social, more informed and more location aware lives we now live. There has been a lot of debate ab...

/payments

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