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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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One could be more forgiving and attribute bad UX to "teething problems", but not when it comes to the world's largest company and expansion launch (rather than greenfield ops). Apple should have sorted all the issues I am raising here before launching in the US, let alone Europe - they have adequate resources and skills. Them not doing it...
17 July 2015 /payments
So, Apple Pay is finally here. Let me cut to the chase. The good Well done, Apple! Kudos for showing the way. Amazing antenna performance, thanks to AMS booster (that has now been dropped in favour of NXP). You can present the phone to the reader in a number of ways, and it still works. BTW, very few people know where exactly NFC antenna is on iPho...
16 July 2015 /payments
Digital Transformation changed the way we live and make business, then gave two options to banks: CHANGE or DIE. As clearly stated by Darwin, neither the strongest nor the most intelligent but the most responsive ones to change survive. That is why many nice dinosaurs were dead while not very advanced insects (you may consult to the cockroaches in...
15 July 2015 /retail
Uri Rivner CEO and Co-Founder at Refine Intelligence
The Internet of Things represents a dramatic change in life as we know it. As everything around us is brought “online” through the inclusion of sensors, computing power and network connectivity, we will be provided with a much different life experience from what we have today. But if you think today’s cyber attacks on corporate networks are a caus...
14 July 2015 /security
A new report on the experience of retail banking customers painted a sobering picture of a banking industry slowly loosing touch with its customer base and threatened by all sides by new innovative entrants. The new “Pay” wallet offerings by tech giants may only be the latest threat in a long list, but may be the most serious yet. The latest World...
14 July 2015 /payments
Charmaine Oak Co-Founder/Director at Shift Thought Ltd
Today Apple Pay launched in the UK - signalling the start of a new era. Since Apple Pay launched in USA last October, a UK launch has been expected, to mark the start of a new level of use of mobile phones for contactless payment. UK is the country that is arguably the most contactless-ready in the world, with the largest number of contactless c...
Social CRM has been one of the hot topics for banking in recent years, especially after the strong existence of Social Media in our lives took place. From the banking point of view, it represents the change from marketing to engagement in terms of customer relationship management. While Traditional CRM is fed by the customer data inside the bank, ...
12 July 2015 /retail
A few weeks ago I had an interesting conversation in my children’s basketball club. The club manager explained that recently they have changed their approach to set up teams of young children. Traditionally, they used to set up teams considering individual skills, trying to get the best technical combination and achieve the highest performance gro...
11 July 2015
When Google first launched Google Wallet, they allowed users to link to it any card of their choice. I explained why that approach was not sustainable long-term. I have a deja vu now with Barclays' bPay: they allow for bPay account to be topped up using any UK card. I do understand that Barclays are using their own acquiring arm for those top-up...
10 July 2015 /payments
Veejay Jadhaw Chief Technology Officer, Global Payment Solutions at Finastra
WHY CLOUD MATTERS: When we think about cloud, the things that usually come to mind are cost savings, outsourcing & Infrastructure as a Service (IaaS). While cost saving benefits are relevant, cloud adoption has a much larger strategic value proposition tied to the Digitization Of Financial Institutions, summarized below. Cloud is omni-present ...
07 July 2015 /security
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