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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
The consequences for under-insured businesses are one of the most series issues that business owners face today. The value of insurance and a company’s chosen policies become truly apparent when a cri...
Because of increasing competition, and low interest rates, net interest income is going down. This isn’t what our shareholders and members want. But what can we do about it? In a previous post, I lis...
It’s been a while since I last blogged. Since then, one of the things I’ve been spending a lot of time on is the concept of ID&V, especially the challenge of joining the “ID” (identity) and “V” (v...
This document is intended towards Banks, Financial Regulatory Authority and the Information technology organizations, who are working towards the innovative solution providing for the financial ecosys...
My experience from being a part of payments, e-banking, mobile, e-id etc development work has been that one should start with services that "all people" (Ms Same Guy in her private, entrepre...
The Real Time Economy program in Finland listed 1. the national income register, 2. automated real time accounting, 3. automated VAT reporting and 4. XBRL general ledger standard as top priorities. Al...
If you look at the huge corporate successes of recent years, they’re all very good at monetising data. Or to put it another way: they’re very good at monetising our data. Look at Google – it earns 90 ...
I've been in Fintech since before we called it Fintech. Some would say that Fintech has been around for decades, as soon as Bank of America deployed ERMA (Electronic Recording Method of Accounting) in...
We live in a world where an ever growing amount of us have Fitbits, Jawbones and other tracking devices that are increasingly measuring and comparing our physical performance. We know how many steps
‘Artificial Ignorance’ may sound like a parody that expresses a blissful retreat from the hype and fears of Artificial Intelligence. But it is not. In this case, ignorance is the act of ignoring unimp...
Abstract – This article is only meant for discussion and healthy arguments, its not a conclusion by any means this is just an assumption and current picture focused on African & few other markets....
Community banks need to innovate. Most of us accept that. Too much is changing around us, too many other players are jumping on our turf. Regulators seem out to strangle us. And customers demand more...