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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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Digitalisation is it an opportunity or threat for mortgage lenders ? Well I believe digitalisation is an opportunity, but for many lenders it could turn out to be a threat if they do not respond to the challenge to build a digital strategy and deliver a digital proposition. So, what do we mean by the term digitalisation? One definition is to take a...
15 September 2015
Abhishek Chatterjee Managing Partner at Gartner Inc.
Recently concluded Apple special September product lunch event was full of announcements. It covered all product segments - iWatch, iPhone, iPadPro, AppleTV. Some of the upgrades are incremental, some are transformational and most importantly some are collaborative in nature to provide the best value to end customer. Here is my view on each of the...
12 September 2015 /payments
In a world where corporate transactions take place around the clock, payment delays are no longer acceptable. How should banks and PSPs prepare for the New Access Model? Since its introduction to the UK in 2008, the Faster Payments Service (FPS) has gained huge momentum. Customers are already seeing the benefits in reducing payment processing times...
10 September 2015 /payments
As surprising as this might sound, FinTech might be your best bet if you want to make the world a better place today. Lower barriers to entry brought about by the digitisation of the world are forcing the financial services beast to take a new shape – one that puts a higher premium on giving their customers what they truly need, how they truly nee...
07 September 2015 /inclusion
“GAMIFICATION” means making the services or products more enjoyable and motivating for the users. Considering the BANKING is not the most entertaining industry in the eyes of the majority, bankers should work harder to deploy principles of Gamification in Banking. However, this could be done – many nice examples of it, together with many failed on...
05 September 2015 /retail
My hat off to Samsung. Those familiar with my blogs know that I am more likely to dish out harsh blunt criticism than a praise. Not this time (well, almost). Executive Summary For those in a hurry: with the launch of Gear S2 smartwatch, Samsung - for the first time - turned Apple into a follower. Simply put, S2 is genuinely and tangibly superior, i...
05 September 2015 /payments
“Video Banking” is one of the hot topics in Digital Banking area for some time. Both Fintech companies and banks are so much interested in this technology to facilitate banking services above the pre-defined limits in banking perimeter. It is usually positioned as the substitute of Face to Face banking. There are many banking services provided vi...
25 August 2015 /retail
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
Banks in Finland had signed up 217 000 enterprises for sending e-invoices - and 234 000 for receiving at the end of 2014. Corresponding potential for EU: 15,7 and 16,8 million. 3,9 million consumers were signed up for receiving e-invoices. Corresponding EU-potential 280,8 million. The number of e-banking contracts exceeds the population in Finlan...
18 August 2015
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 may be useful to multiply into a corresponding EU-potential = 4 billion times. Does this save tax payers' money? Does it save citizens nerves? Oh ye...
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 that make life a lot easier. This is purely academic utopia. The reality is the old and the new will have to coexist and one must find the indifferenc...
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