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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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What should RBS do first to clear up the mess left behind from the computer failure? Managing Customer Relationships Now I might be looking at this over critically through the eyes of a person who deals with best sales practice and account management sales methodology on a daily basis for Fintech companies but communication through mass media is
26 June 2012 /regulation
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
from EEI-platform news: “We also received confirmation from several of our informal sources in Brussels. Some of them said that there are thoughts to make e-invoicing mandatory. Some others have the opinion that the e-invoicing uptake in the EU will get a boost (because of the liberalisation) as from 2013, making additional e-invoicing regulations...
25 June 2012 /payments
Amazon and PayPal have never been friends. Their "mild animosity" goes back to 2003 when Amazon launched services aimed at (small) e-merchants, thus muscling in on the eBay's territory. In August 2007, Amazon unveiled its wholly owned subsidiary - Amazon Payments - created to provide a range of ambitious (and, at that time, quite innovati...
I recently had a discussion as to which market represents the biggest business potential for iZettle (I said - the US). If one looked at the current EMV terminal adoptions rates worldwide, it is clear that the USA represents what seems to be... 0% of the global EMV terminal market. Add to the equation EMV's plan to switch all US issuers to EMV fr...
22 June 2012 /payments
Core Banking Systems were built for a different world - a world that gave precedence in banking systems to security, redundancy and reliability and were architected in a product-centric way. Today, those requirements are still present - but it is not enough to be secure - the core architecture must also be flexible, innovative, and agile. Systems ...
21 June 2012 /retail /wholesale
This will grow very fast as: 1. Almost all enterprises have signed up for e-invoicing services (201 000 with banks by end 2011 – 85% of all active). All have not yet started to use the services but will have to as: 2. The state sector and many enterprises have stopped scanning and return paper and PDFs.
21 June 2012 /payments
Pat Carroll Founder/Executive Chairman at ValidSoft
I was interested to hear this week that the US consumer watchdog, Consumer Financial Protection Bureau, has launched a public website that publishes consumer's complaints about credit cards. Interested because this is a novel approach which attempts to put the customer first and follows a spate of high profile data breaches which have forced the g...
21 June 2012 /security
Successful customer self-service strategies require an understanding of both the ever-shifting technology curve, as well as the timeless funadamentals which motivate human behavior. A recent study by Limebridge, an Australian provider of customer experience solutions, highlights both cornerstones to self service success. Limebridge asked 143 cross-...
21 June 2012
Brett King CEO & Founder at Moven
It was announced yesterday that Facebook is going to start phasing out their Facebook Credits system. If you've been watching my commentary over the last few years, I had entertained Facebook becoming a sort of default currency for the web because of the platform's ubiquity. However, like many things online, users and developers collaborated to cr...
The time has come for IT cost reduction through business alignment IT budgets are being drastically cut in all sorts of companies. That's not new. But IT is being asked to deliver the similar sort of service, with probably fewer people and less resources. And on top of that, businesses are rapidly changing to adapt to the new paradigms we are cont...
19 June 2012
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