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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.

Brett King

Brett King CEO & Founder at Moven

I'll Never Login with Facebook or Pay with my Phone!

We're experiencing a massive shift in consumer behavior right now with the explosion of Facebook, Twitter, YouTube, and other community collaboration and social media platforms. A world where Facebook has 800 million inhabitants and a President who is a college dropout (albeit Harvard). We're seeing the global domination of mobile across the entir...

/security

Retired Member

Retired Member 

Will banks lose out to tech companies on P2P?

Over the past several months, I have had several discussions with clients, both in Spain and in the UK, who are interested in implementing a simple, straight-forward P2P service which would allow two persons to quickly and easily exchange money via mobile phone. Many interesting user cases have been discussed: splitting the cost of a meal between ...

/payments

Bo Harald

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

Harmonizing VAT

This is the natural next step after the VAT directive simplyfying life for SMEs. now banks should move in to provide the reporting sidestream in their e-invoicing services and in parallel develope the splitpayment model - automating the payments. 60 million workdays can be saved in enterprises - and more tax collected cost-efficiently. http://ec...

/payments

Retired Member

Retired Member 

Do you have bloatware or Compliance-as-a-Service?

Key to any financial institution is the identification and management of risk. IT compliance certainly fits inside this category, where the implementation of controls to meet compliance also has an awful lot to do with common sense and best security practice. Financial institutions need to keep information confidential and protect the assets of...

/security

Bo Harald

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

The original invoice ghost

The EC Expert Group on e-Invoicing - and especially its corporate members worked hard on eliminating mandatory digital signatures. DG Taxud took the clear stand that paper-, e-mail and electronic invoices should be equally treated from the VAT-point of view. Still there are discussions that disregard this major simplification achievement - even if ...

/payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Interest in data theft goes mainstream

It’s not every day that you see banking security reported in a tabloid read by 2.7 million people across the UK, but The Sun’s interest in data theft highlights just how mainstream the topic has become. We are just a month from Christmas, and one of the most popular presents of the festive season, Microsoft’s X Box LIVE, has been targeted by crimin...

/security

Brett King

Brett King CEO & Founder at Moven

A Dictator or Retail Bank. Which is Easier to Save?

Bankers often talk about the 'trust' consumers have in banking as a defining characteristic of why customers give banks their money instead of simply keeping it under a mattress. Some bankers might have difficulty understanding why customers of today seem perfectly happy to give money to the likes of PayPal, M-PESA, Lending Club or Zopa. The fact ...

/regulation /retail

Retired Member

Retired Member 

Finance leaders: Looking to Generation Z and Education

Looking Back 100 years At a recent presentation at a Global Creative Innovation Conference, the audience was challenged to identify three (3) industries that had barely changed systematically over the past 100 years. The resulting list: 1. Religion 2. Education 3. Professional Services Understandably, few would argue that churches, temples and sy...

/regulation

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Isis 1 year on: don't forget security on NFC payments

Happy birthday, Isis! This week sees the one-year anniversary of the initial launch of Isis, the US joint venture formed by AT&T, T-Mobile and Verizon Wireless to create a national mobile payments network that will allow consumers to use their phones to pay for goods at the point-of-sale using NFC technology. The opportunity for NFC take-up i...

/security

Brett King

Brett King CEO & Founder at Moven

The Instincts of Banking are Changing...again

Without thinking consciously about it, over time core behaviors change producing different instinctive reactions. When a phone rings today, we go to our pocket or purse, not running to a device on a desk or on the wall. When we are interacting with a mobile phone that is not our own or an ATM machine, we'll instinctively touch the screen to naviga...

/retail

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