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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
e-banking customers in Finland used their e-banking passwords 56,2 million times to log in to public sector and other non-banking services last year. Up from 47,1m. Finland is a small country - so it...
We are in the midst of interplay of disparate technology solutions in an enterprise. It is always comfortable to sit back and strategise to clean up existing ones and have a compact set of solutions t...
One important benefit from Digital Currencies (DCs) is in its immunity to exchange rate fluctuations and control excercised that one sees in fiat currencies. A simple scenario will illustrate my view ...
Have you ever noticed how we move through phases? Looking back over my long career in the world of banking and banking technology, there were always those ‘new’ technologies that kept popping up. They...
2015 has been the breakthrough year for consumer mobile payments at physical stores. Beyond the current hype, there is still plenty of debate about whether mobile proximity payment will be successful ...
A quick review of who has launched widely commercially available open-loop proximity payment (NFC) solutions for the UK market. Firstly there is Everything Everywhere (EE) – they launched Cash on Tap ...
Goldman Sachs recently forecasts that $4.7 trillion traditional financial services revenue could be at risk from disruption. As new entrants, supported by a $12 billion investment in Fintech, disrupt ...
As usual, Samsung is too late to the (mobile payments) party. Not because of Apple, but because of Google - read this fantastic piece by Tom Noyes whom I greatly respect (although Will, CEO of LoopPay...
“BIG DATA” is one of the most famous Digitalization concepts in recent years, not only in financial landscape but also almost in all industries. Everyone talks about it and mentions how important it i...
I had an opportunity to catch up with Nitish Asthana of First Data who provided a fascinating account of how the fast moving payments scene in India is changing the very fabric of daily life. As 900 m...
To say there is “hype” around FinTech doesn’t do justice to the some of the rather breathless reports that have recently been appearing. Some of this is a genuine feeling (bothin media and industry) t...
When you tap in with Apple Pay on the TfL's network in London (e.g. enter the Tube), the transaction goes to the issuer for authorization. In the case of Amex, they - unlike Visa - charge you £0.10 at...