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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.

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Finger Pointing in Commercial Banking

Hey, that’s a first. A bank sues a customer over losing money to fraud. It used to be the other way around. Online banking fraud got to executive level attention when in 2005 Bank of America was sued by a customer who got infected with a Trojan and lost $90,000. This was a commercial account, but it had huge ramifications on consumer security. The...

/security

Retired Member

Retired Member 

The Next Big Thing - and what is it takes to be that thing

When something happens for the first time - it's avantgarde. If you see it twice - it's original. On the third time - it's plagiarism. On the fourth - it's pastiche. But when it happens for the fifth time - it's a genre... (Anonymous) In the never ending discussion on innovation vs. execution (see Sara Lacy's great post here) I tend to be an avid...

/payments /regulation

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Have you lost your Carbon?

Butch Cassidy: You know, when I was a kid, I always thought I'd grow up to be a hero. Sundance Kid: Well, it's too late now. Butch Cassidy: What'd you say that for? You didn't have to say something like that. When I grew up, one of my favorite Hollywood themes was bank robberies. From Bonnie and Clyde to Butch Cassidy and the Sundance Kid, crime...

/security

Bo Harald

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

Cutting administrative costs in half

Innovations always take time. Also in the case of e-invoicing. A few observations: - e-banking took time - and typically some actors lost faith (did not jump on the bandwagon or went passive) halfway down to the ice-hockey stick effect) - ice-hockey stick effects are next to omni-present in innovations - and now there has been a long break in real ...

/payments

Retired Member

Retired Member 

Mobile - First you'll get one - then...

By 2014, mobile and Internet technology will help over 3 billion of the world's adults to electronically transact. Emerging economies will see increase in mobile and Internet adoption through 2014. Worldwide mobile penetration rate will get to 90%. - "Gartner's Top Predictions for IT Organizations and Users, 2010 and Beyond: A New Balance&quo...

/payments

Retired Member

Retired Member 

Can Bold Innovation Save Banking?

Banking has a long history of producing innovative technology; from the Big Bang of the 1980s, through ATMs and debit cards, to this century’s online banking. Technology has repeatedly changed the way banking happens. Today, this combination of a strategic and innovative approach is vital if banks are going to transform themselves. As Gartner sugge...

Paul Love

Paul Love VP Business Development at Konsentus

Where next for contactless?

In the last week or so we have seen announcements from PKO Bank Polski and Intesa Sanpaolo about their plans to roll out contactless to their customers, with PKO Polski reporting that 6 million cards will be replaced in the project. However, there do seem to be mixed views in the market about the short to medium term growth of contactless. While so...

/payments

Bo Harald

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

e-banking high up

What are Internet users doing on the net? A new study (Redera) produced the following for Finland: - looking for information 97% - e-banking 95% - customer feedback 76% - public sector services 71% - shopping 70% - inquiries (about merchandi...

/payments

Retired Member

Retired Member 

Mobile payments - a tale of princes, laws and treasures

In the previous post we've looked at mobile payments in a glance, why there's a huge chance today and what are the biggest challenges. In this post I will start diving deeper into them, and suggest a few ideas. There's a group of very talented guys I know, who used to work at this IT Company in Israel that was a part of the mobile industry. They ...

/payments /regulation

Bo Harald

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

Innovations do not come from outer space

Innovations do not come from outer space - technology often comes - at least from space. There is a long way for new technology to become an invention, then give birth to a business idea which has the potential of becoming an innovation - a new practise which eventually is adopted by a critical mass of potential users - and then becomes the much s...

/payments

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