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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.

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

Retired Member

Retired Member 

NFC Options for Banks

In response to the blog about "Google partners Citi and MasterCard on NFC m-payments", I thought I would give you my thoughts on the NFC options that are out there. It might only be Citi for now, but I suspect all of the major banks are looking at this. There are effectively 3 ways of achieving NFC in your phone/mobile device and each ...

/payments

Bo Harald

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

e-invoicing growth 2010 in Finland

2010 was a good growth year for e-invoicing using the Finvoice standard in Finland. 71% growth – now 14,4m (good bank statistics available). This would on EU-level equal 1 billion invoices. 1,1 million e-invoice requests-to-receive) were sent – EU equivalent would be 71m. Other formats (TEAPPS and Edifact ) exceed 100m in a conservative estimate. ...

/payments

Bo Harald

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

On our way to the Singularity

Ray Kurzweil eminently presents his views in this video. Singularity it will be – maybe not dramatically – like the Computer with its superior artificial intelligence having become so good at improving itself and its friends (with exponential speed) that It one day will stand up and say: “Thank you humans for having created me. I will take over fr...

/payments

Brett King

Brett King CEO & Founder at Moven

I'm more likely to leave my bank than iTunes...

There's a much quoted line in the UK banking market that you are more likely to get divorced than change current accounts. This comes from the statistic that around 75% of customers have never closed a current account, but that approximately 45% of marriages end in divorce. But this is misleading. The fact is that banks don't record churn or swit...

/retail

Retired Member

Retired Member 

How to build customer resistance against e-billing

Barrie Arnold of Striata, document service provider, posted an intriguing article their blog on how NOT to persuade your customer into e-billing. He wrote in his post that when he wanted to enrol at Verizon's online billing portal, he decided to go through Verizon’s Terms & Conditions for a change. He was stunned to found out the attitude o

Retired Member

Retired Member 

Bank app takes e-invoicing to another level

Danske Bank just made it easier to spend money and pay your bill. Their customers can now pay bills with just a photo of their bill and a tap on their iPhone screen. Making online payments a lot easier. Even easier than NFC chips (as these chips won't be attached to paper bills). This enticing app from Danske Bank's is now available for iPhone, i...

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