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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.

Bo Harald

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

The biggest ever revolution in banking and beyond

As I am now checking out from full time employment I take this opportunity to sum up what we (not I..) at Nordea, Tieto, the EC Expert Group on e-Invoicing, the Real Time Economy program, the Mobey Forum etc achieved in the some 40 years of bringing more technology into banking and beyond in the new connecting-customers dimension. The world is by ...

/payments

Bo Harald

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

Established limited company - no paper

As I plan to step down from full time employment at Tieto, but will continue as advisor in various projects I needed to establish a company of my own. Yesterday I thus logged in with my e-bank credentials to the Finnish Trade Registry and completed the needed handily presented information, signed it with my e-bank credentials and sent a signing req...

Retired Member

Retired Member 

Where is all the cash going?

According to the latest Bank of England statistical release, the amount of notes and coin in circulation is growing at about 4% a year. This has been pretty much the average growth rate over the past few years, although there was a large spike in late 2009 to over 8%. At around that time, Andrew Bailey, who was then the Bank of England Chief Cash...

/payments

Retired Member

Retired Member 

Apple and the Future of NFC

With the release last year of the iPhone5, Apple decided to pass on NFC, at least for now. Instead, they included Passbook, an app to store electronic coupons, vouchers, and boarding passes, which, using barcodes or QR codes, provide services from the likes of Starbucks, United Airlines, Ticketmaster, or Target. So why did Apple decide to not go f...

/payments

Jp Nicols

Jp Nicols Managing Director at FinTech Forge

Five Shifts that Define the Future of Wealth Management

Five massive foundational shifts are impacting financial service providers of all types, and they are impacting those that serve affluent clients in especially unique ways. According to a study by KPMG conducted in June 2012, 9 out of 10 banks are considering a serious overhaul of their strategy, and 40% say that wealth management and asset manage...

/retail

Retired Member

Retired Member 

Enterprise Governance in Banks

Everyone’s talking about enterprise (business) governance. Typically conversations focus on the application of structured controls across the enterprise to ensure enterprise-wide collaboration between different business units and IT. This in turn, drives the adoption and practice of policies, standards, controls, frameworks, knowledge content and ...

/wholesale

Retired Member

Retired Member 

The changing face of payments: new research

The Financial Services Club released their latest survey research last week – The Changing Face of Payments 2013. The survey had responses from 450 financial services professionals in a total of 63 countries, with the majority from UK and mainland Europe. The survey builds on a similar exercise last year, asking which infrastructures are most im...

/payments

Retired Member

Retired Member 

Did we see it coming?

Exponential A year after the iPhone was launched, Nokia's CEO Olli-Pekka Kallasvuo was still bullish: “iPhone is a niche product.” Five years later, Nokia lost its mobile crown to Apple. What didn't Nokia know back in 2008? The concept of exponential: it takes just 49 minutes to fill a huge stadium with water, starting with a single drop and do...

/payments

Nick Ogden

Nick Ogden Chairman at Ogden Research

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 the banking system. They are the hidden from view wirings that operate every time you get wages paid into your bank account, deposit a cheque or withdr...

/payments

Jp Nicols

Jp Nicols Managing Director at FinTech Forge

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 industries combined only account for 2% of the $603 billion spent on research and development in 2011. Average R&D intensity, that is R&D spending...

/payments

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