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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,

Widening Adoption Gap

Technology is not the narrow sector - it is amply on offer - and the costs are going from low to lower. Technology enables "anything" and in most cases the utility is evident. The adoption gap is still widening - even too much. Why is this happening? In some cases it may be the less than perfect first versions that have scared adopters of...

/payments

Bo Harald

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

Four Economics

Banks should move up the order-to-payment value chain from payments and down the payment-to-accounting value chain - before invaders move down or up into the payment business. The reasons are fundamental: - better service - better value - new revenues certainly needed when float disappears, interest margins remain low and fee income in commoditized...

/payments

Bo Harald

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

Happy Confluence !

As we heard from Stig Korsgaard at SIBOS there a rather unique happy confluence has been arrived at as: 1. The EC Expert Group on e-Invoicing turned to UNCEFACT to get a global e-invoicing standard to use in EU - the obvious targets being to speed up adoption, cost-efficient integration and automation and at the same time further the Single Market...

/payments

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

RSA Spots a New 'Chat in the Middle' Attack!

Just when you think you’ve seen it all, cyber criminals come up with some jaw dropping social engineering trick that demonstrates their ability to innovate and adapt. RSA FraudAction Lab discovered an amazing new attack vector, which they dub “Chat in the Middle” phishing. It goes like this: The victim gets a Phishing email that appears to be comin...

/security

Retired Member

Retired Member 

A brave new World?

As dawn broke on the second day of Sibos, delegates across Hong Kong woke up confused. Was Hong Kong being battered by a force 8 typhoon, or not? Conflicting emails and stories flew around the city – was it safe to go out? Were the clouds moving off? Those that braved the weather and made it to the start of the day’s sessions were in for a treat. F...

/sibos

Elton Cane

Elton Cane Digital product delivery at News Corp Australia

Swift does Dragon's Den with Innotribe

Swift's new Innotribe section of the Sibos agenda has evolved into an interesting experiment in collaboration and potentially commercialisation. Presentations at the opening sessions at the SibosLabs set the scene on a number of background topics. And group leaders then pitched to the audience to get involved in workshops over the course of Sibos ...

/sibos

Bo Harald

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

Monday at 12.15 at SIBOS in Hong Kong

Extended payments - everything is the same presentation at Open Theatre Synopsis: 1. Up the value chain - new value = new revenues for banking sector 2. Four economics 3. Three neutralities 4. Twosided networks 5. One generic messaging platform 6. It is all the same - infinite opportunities

/payments

Retired Member

Retired Member 

The Perfect Storm

Never, in thirteen years in this industry, would I have predicted that a US President would talk about withholding tax and use the term “QI” (qualified intermediary) in a public forum, let alone formally target foreign banks and inward investors, as well his own residents with dramatic changes to tax policy that could create a “perfect storm” for

/sibos

Bo Harald

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

Not unexpected in China

China has shown what can be done when you are determined in many fields - from infra to business to high tech. In EU we need much more levers to get the obvious things happening. Cash is costing merchants some 50 €billion per year - and of course every cent of this is paid by the consumer. Transparent pricing would show it to him -and help him to m...

/payments

Bo Harald

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

Rocket stage reached..

Typical e-invoicing transaction trend in Finland: http://boharald.blogspot.com/2009/09/e-invoicing-transactions-taking-off.html The shape of this curve reminds me of the development of e-banking transactions back in the 80s - first you sign up the customers - then you have to wait, and then wait, and wait - and then it takes off like a rocket - vir...

/payments

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