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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Today's connected customer expects more of their bank. Whether they are consumers or businesses, they want an Apple- or Amazon-like experience. This represents both an opportunity and a challenge of e...
I know that many of you will be saying that SIBOS is long over and 2016 has begun with new opportunities. I do believe that there are some valuable take aways. Those of you who are SIBOS devotes, with...
The open banking framework was published a couple of weeks ago by the open banking working group. Here I share my 10 most salient take outs in 10 headings. If you want to know what the 148 pages of th...
In continuation of my previous blog on Blockchain: Need of Future for Financial Industry, let us now try to understand one more path breaking revolution in the field of Accounting and Ledger maintenan...
In today’s global economy, the information shared across various entities and industries have to be 100% accurate secure and transparent. This requires a robust, secure data transmission through a def...
Food for thought for those in a hurry: why doesn't a card payment terminal need to check with all other terminals worldwide that your card is genuine?.. Bitcoin hype seems to be superseded by its bloc...
In my previous article I attempted to reframe the “Fintech debate” into one centred around its goal (competition) rather than its means (Innovation, Fintecth, etc.). In this piece I would like to off...
Mobile Money or M-Money refers to financial transactions or services that can be carried out using a mobile device what ever this is but for Payments Revolution; Speed is The King. Very popular pheno...
By Hakim Mendjeli , 4by90 consulting (This article was first published here) This is the first instalment of a few articles to share my perspective on innovation, retail banking, Fintechs and competi...
Abstract – This article is triggered by real life incidents combined with a high-level overview of mobile financial services and mobile payments. The mobile technologies covered herein are neither new...
The Deutsche Bank CEO stated that cash will disappear during the next 10 years. Why does it have to have to take so long? Take the opportunity to repost this from 2008: "EU published some figure...
Abstract -: Compliments of the season. This post coming out of own my observations, experience and reading from Internet. Payments innovation is happening and it’s continued since end of 2014. Intere...