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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.

Ward Hagenaar

Ward Hagenaar Head of Consulting - Co-Founder at PaymentGenes

The merchant is misunderstood

In 2010 both MasterCard and Visa purchased major payment service providers like DataCash and Cybersource. As did some payment processors that acquired payment service providers. The e-commerce market now has a solid place in retail activities. Due to the scale and consolidation of the market the PSP´s became international payment processors themse...

/payments

Alex Noble

Alex Noble Account Director at McAfee

Wells Fargo: Can video help avoid disability discrimination?

I was amazed by the report that Wells Fargo has ended up paying $16m for failing to provide phone services for deaf customers. Part of the amazement is that in the UK phone services for hearing impaired customers are well established and well used by large companies. In the UK, nearly all banks offer a textphone service and there are well establi

/retail

Nikhil Mittal

Nikhil Mittal Financial Crimes Consultant at Wells Fargo

Is it the right thing?

My first few days of stay in one of the worlds most developed economies USA, has made me think in a lot of different directions related to the methodical ways of doing things here. It feels like a CMM Level 5 country with so many processes / methods to do things and everything well organised and recorded in all facets of day to day life, not to me...

/regulation

John Clarke

John Clarke Head of Product Innovation at WorldNet TPS

Multi Channel Commerce - it's not too late to be early!

2010 - Year of the Mobile (finally!) Since at least 1999, each year has produced confident predictions that next year would be the "Year of the Mobile". So it's a relief to finally be able to talk about the Year of the Mobile in the past tense. The general consensus, from Google on down, is that 2010 gets the award as year of the mobile...

/payments

Bo Harald

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

Five easy steps to national e-invoicing

We have recently experienced a surge in interest for global e-invoicing from multinational enterprises. This is not surprising - cost savings are so large - and the usual ice-hockey stick effect typical. And we should be very pleased that the ISO20022 e-invoicing message standard (built on UNCEFACT CII V2 content standard) is ready for global adop...

/payments

Bo Harald

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

National productivity programs - must-haves

In today´s global market place it is more than evident that most European countries need to take a really hard look at the competitiveness of their enterprises. This is naturally a multidimensional issue - education, innovation climate, workforce mobility, risk capital, bank lending, lower tax on work etc. One of the most critical issues is the hig...

/payments

Ward Hagenaar

Ward Hagenaar Head of Consulting - Co-Founder at PaymentGenes

The biggest threats to banks are banks themselves

We have been speculating a lot on the role that social media giants like Google, Facebook and technology companies like Apple or Square could play in the financial services arena. They have been positioned as a threat to the banking position with regards to payments and potentially other P2P products like lending. In fact they are a threat and an ...

/payments

Bo Harald

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

Banks taking responsibility - good show EBA!

“For several years, the Euro Banking Association (EBA) has been conducting an e-invoicing working group (EIWG), with the objective of contributing to the mass adoption of e-invoicing in Europe and of exploring the potential roles and opportunities for the banking industry.” Service Description & Rulebook’ document. “This document provides an ...

/payments

Retired Member

Retired Member 

Social Media - The Bill Board of Digital Age

This proves beyond doubt that social media has come to stay. In this digital world, one sees virtual groups, meeting in virtual locales. Marketing, in this virtual market place is inexpensive and proving to be effective. In the days of yore (beyond last year) in real locales, real groups one saw huge bill boards in rush places and the response was...

/retail

Brett King

Brett King CEO & Founder at Moven

Google Wallet is not about Payments

Last week Google announced their long awaited NFC-trial for mobile payments. On the face of it, many perceive that Google’s play is an attempt to cannibalize the lucrative payments market, but if that was the case, why has Google not taken a share of interchange fees from Citi and Mastercard? In addition, Google is supplying contactless point-of-...

/payments

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