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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 

Banks: Engage or Die!

The UK banking and financial service sector is currently undergoing a period of reinvention (whether it realises it or not). There are several reasons for this: Firstly, the rise of social media has provided customers with a means by which they can voice their needs and also connect with their fellow customers, for example, online communities such...

/payments /retail

Retired Member

Retired Member 

Co-opetition, the Common Sense of Competition

There’s a fascinating term in marine biology to describe the service that ‘cleaner fishes’ provide to other fish, including their natural predators, of removing dead skin and surface parasites; it’s called mutualism – food in exchange for a scrub. When cleaning is underway, a wary truce is called between the cleaner and host species. In the terres...

/sibos /retail

Retired Member

Retired Member 

Market penetration of e-invoicing in Europe

European market growth for electronic and automated processes is strong and sustainable. Organizations in the public and private sector are keen to reduce costs and to improve their Cash Management. Combined with the rich solution offering, these benefits are sure to result in further strong market growth for electronic invoicing and related topic...

Brett King

Brett King CEO & Founder at Moven

Private Banking 2.0

Since the emergence of online banking there has been a fundamental assertion from high-net-worth bankers that their clients aren't digitally focused, they don't use social media or mobile banking, and that they prefer to pick up the phone and engage their banker because the nature of their interactions is defined by their wealth - they want the hi...

/retail

Retired Member

Retired Member 

Swedish use of electronic invoices hits new records

Growing numbers are said to allow for environmentally-friendly payments using e-invoices The Swedish Bankers Association reported that the use of electronic invoices has hit new records. Compared to 2009, in 2010 the number of e-invoices sent to private people increased by 34 percent. Today, one in three people accepts e-invoices. The winner is t...

Bo Harald

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

Consumer e-invoicing 2004-10 in Sweden

Negative carrots have helped a lot: Noteworthy: - growth 11,9m - 14% of payments in Internet banks now e-invoice initiated - 34% of e-bank customers receive e-invoices

/payments

Bo Harald

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

In praise of negative carrots..

TeliaSonera (the leading Nordic telco) announced this week in Finland that they will increase the charge for sending paper invoices to corporate customers from 5 to 10€. Consumers are charged 1,90. This clear policy is for sure to be applauded – good for all parties (and big time for society at large) – for the following reasons: 1. The cost saving...

/payments

Brett King

Brett King CEO & Founder at Moven

UK Olympics to trial RFID biochips under athletes skin

In the latest attempt to capitalize on the NFC and RFID hype, the rumor mill has exploded with news that the IOC and the team behind the London Olympics is trialing new RFID bio-chips. The micro RFID chips that will be injected under the skin of the shoulder of professional athletes, will be used for everything from entry to secure venues, payment...

/security /payments

Retired Member

Retired Member 

Impact of Basel III on International Trade Finance

Basel III regulations are attempting to bring back some the much-needed checks and balances in the Finance Industry so that we do not see a repeat of 2008 crisis. The set of guidelines is all about re-establishing the rules to ensure a brighter future for the global economy. I’m pro-Basel III. After all, no one wants to experience the 2008 financi...

/regulation

Bo Harald

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

e-id services - great growth in 2010

Wrote this last year: "So sensemaking to let citizens log in to public sector with e-bank log-on tools. This is so saving both tax payer's money and speeding up e-government as tools are familiar, trusted and much more convenient than any public-sector-only tool would be. Several countries have already this so obviously beneficial public-pri...

/payments

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