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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.

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Computer, don't say No to online shopping

I’m really pleased that MasterCard has developed a fraud detection service for online merchants that could realise a potential for 15-30% fraud loss savings. Whilst it’s a step in the right direction for the ever growing e-commerce world, even with these % improvements in fraud discovery, the false positive % are still way too high. A false posit...

/security /retail

Retired Member

Retired Member 

Do sales professionals need to be able to sell with an Ipad

How will the Ipad and other tablet computing change the way you collaborate with your prospects and buyers? With another new Ipad comes an obvious question, should my sales team be using it or not? I am interested in peoples opinions on whether sales professionals need to be able to sell with an Ipad/Tablet? iPads are replacing normal notebooks or...

Brett King

Brett King CEO & Founder at Moven

Movenbank yields to pressure and opens their first branch

In response to the strong demand for us to compete with the main street branch players, our recent efforts at crowdsourcing our business model has led us to investigate a revolutionary new form of branch for the US and UK markets. The new branches which we at Movenbank simply call ‘the space’ is designed to give our rapidly growing customer base t...

/payments /retail

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

A Call to Action on cybercrime!

Two interesting stats have caught my eye this week: Fraudsters are costing the UK an estimated £73billion a year (National Fraud Authority, NFA) Cybercrime has now become the second most commonly reported economic crime affecting companies in the financial services sector (PWC) While counter-fraud groups such as the NFA’s ‘Fighting Fraud Togeth...

/security /payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Trust is the key!

NFC contactless payments, and P2P mobile payments are fast gaining momentum in the payments world. Banks, retailers, network operators, amongst others are all rushing for land grab, rolling out new NFC-enabled cards, mobile wallets and mobile phones for us to use in our daily lives. It’s fantastic that we are embracing this technology, and I truly...

/security /payments

Retired Member

Retired Member 

A view from ISITC Boston

I have just finished the morning sessions of ISITC in Boston. A great day so far. Lots of concern of expanding regulations, complexity,nchanges from Principles to rules based. All of this makes for the absolute need for ISITC to look at and foster market practice and standards.

/regulation

Brett King

Brett King CEO & Founder at Moven

Why Durbin will Kill the Branch

In the UK and Australia, account keeping fees are nothing new. In the US, however, since the introduction of the Durbin amendment, many US banks have been moving to monthly fees on checking accounts (we call them current accounts generally outside of the US) for the first time. These moves have resulted in often massive backlash from the public, ...

/payments /retail

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Mobile: Here There Be Monsters

It’s a new, exciting era for Trojan builders. The mobile space in 2012 is a virginal, unchartered territory that attracts the talent and creativity of black hatters and malware writers like moths to a flame. If you think about it, the entire mobile security space has huge ‘Here there be monsters’ sections where the cartographers don’t really know ...

/security

Retired Member

Retired Member 

Innovation Inside - Email on the Edge

Innovation Inside - Email on the Edge The Technology Lever Deloitte’s Center for the Edge recently published the 2011 Shift Index, which confirms an unsettling long term downward trend: publicly traded US companies show a 75% decline in Return on Assets (ROA) from 1965 to today. I asked Center for the Edge co-chairman John Hagel how companies can...

/payments

Retired Member

Retired Member 

Does PFM implementation have a ROI?

Personal Finance Management (PFM) is one of the hottest topics for banks today. Some of the banks are searching for the best vendor while others have already implemented PFM. Several banks are evaluating the returns from PFM implementation. Here, I would like to help them with some ideas how to quantify the return of a PFM implementation. Today it...

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