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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 

TRANSPOSITION OF THE PSD : STATE OF PLAY

According to the European Commission, at the end of March 2010, 16 Member States have transposed the Directive and 7 other member States have transposed it partially. Infringement proceedings were launched at end January against all those Member States lagging behind On the basis of the data provided by 13 Member States, the Commission services i

/payments

Bo Harald

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

3,5 million accountants in Russia

The ECR e-invoicing conference in Moscow last week was told that out of a population of 141 million 3,5 million work as accountants. This may be explained by the information mentioned that some 12 billion invoices are exchanged every year. This may sound high – but may be explained by use of pro forma invoices. Paper for VAT invoices lead to 1000-...

/payments

Retired Member

Retired Member 

MT, IAT and 20022

Recently Tower Group published research report on Payments developments, emphasizing the traction towards global payments standards (see Payments Rail). Now that IAT (International ACH transactions) are in production with mandatory extended information on counterparties and payment stacks, at every hop of payment information, standards intercha

/payments

Retired Member

Retired Member 

Is there a Silver Bullet for Mobile Payments security?

Engineers tend to frown at marketing and BD, but creating leads or closing a deal is never easy. No matter where you are you want to be able to clearly articulate what is the customer’s pain point that you are solving. And you want your solution to be as straight forward as possible, too. If you resort to detailed tables and text you’re bound to

/payments /regulation

Rik Coeckelbergs

Rik Coeckelbergs Independent Advisor, Opinion Maker and Consultant at The Banking Scene

HSBC rolls out online video consultations

I really like this kind of innovation honestly. It is cost saving, client friendly and lets banks do business on a geographically larger scale, well done HSBC! Of course this is not a new technology. OK I cannot test it, not being a client of HSBC and not living in Hong Kong either, but it sounds like a tuned skypetechnology. The basic principle I ...

/retail

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Surprising surge of Phishing on nationwide banks

In the last couple of months the RSA Anti Fraud Command Center witnessed a dramatic increase in the number of nationwide US financial brands attacked by Phishing. Ever since the good old days of the initial Phishing attacks in 2003-2004, the share of national banks – those that span across the entire US – has been declining, as the major banks impl...

/security

Brett King

Brett King CEO & Founder at Moven

Analysis: Lack of innovation is killing bank valuation

No one can deny that banks have had a tough time of it when it comes to stock market valuations over the last couple of years. The global financial crisis, massive debt and NPL issues along with punishing public opinion led to a massive collapse in banking stocks and company valuations in recent times. It would be simple to blame the sub-prime and...

/retail

Bo Harald

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

Which Innovations will drive growth in Payments business?

Very clear message in survey by Equens, IBM and Frauenhofer

/payments

Rik Coeckelbergs

Rik Coeckelbergs Independent Advisor, Opinion Maker and Consultant at The Banking Scene

Ad-funded payments are changing the merchant business model

Trialpay surprised me this week with a couple of interesting surveys: one on the effect of Motherday on the revenue in social gaming and one on ad-funded payments. Let us start with the ad funded payments. In fact, after reading the paper it looks more like a real marketing instrument rather than a payment instrument, but nevertheless it is worth...

/payments /retail

Bo Harald

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

Expectation-surge from corporate customers

Equens and a number of partners (Fraunhofer, IBM etc.) do a regular survey on what banks, customers etc. want in payments, innovations etc. The attached chart from the results (published yesterday) is giving the strongest of signals: Just behind the obvious (electronic funds transfer, credit/debit cards) we see as top priority: - cash and liquidit...

/payments

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