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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
Change in human behavior - to be precise. Only when the next person is changing his/her behavior does innovation actually materialize. This is probably too self evident. Also that change is both enabl...
I recently caught up with Jonathan Vaux Director, New Digital Payments and Strategy at Visa Europe, to discuss the trends he observed over 2014 and the outlook for 2015. In short, 2014 has been a real...
As mobile penetration reached 106% , and effectively 60% of people in Zimbabwe now have access to mobile services, mobile operators have gone a step further. They now offer people safe and convenien...
Last decade saw automation of back office business processes through BPM technology adoption in 3 distinct areas - document-centric BPM, human-centric BPM and Straight through Processing (STP) with in...
Marketing has come off age in last couple of decades. Before e-commerce started, marketers predominantly used outbound marketing (both for B2B and B2C) to reach out to prospects via offline and electr...
There is a fair chance that structured e-invoicing (not e-mailed pdfs) will get close to 100% at least in Finland this year. Then I mean share of enterprises that use e-invoicing more or less. The rea...
2014 was the biggest year in FinTech by far with billions being invested globally, which is to be expected in a global growth sector. But how much was invested globally in FinTech this year? It depend...
Today's customer expects a uniform and relevant customer experience across channels. Nowadays it is common for a customer to traverse through multiple channels to complete a transaction. For instance,...
Banking services in India has come long way from being BAM (Brick And Mortar) in 80s of ledger based paper transactions to electronic arcades of Core banking, IVR, cards, ATM, Net banking, Cheque and ...
At the Connecting Payments conference on Wednesday we celebrated 10 years since the successful roll out of Chip & PIN in the UK. This was the largest coordinated shift in consumer payment behaviou...
Then the first question is WHY? Why? Because people do not buy what you say – but why you say it. Simon Sinek proves this beyond doubt in his book Start with Why. You can get a good taste of this alr...
As I said on Wednesday, innovation should be about solving real world needs rather than just inventing smart technology. Paying in cheques by photographing them is one of the those innovations that ju...