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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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Charmaine Oak Co-Founder/Director at Shift Thought Ltd
This post shares how trends in digital banking have helped shape Citi's global digital strategy. It summarises some of the fascinating insights shared with me by Aditya Menon, Managing Director, Global Digital Strategy at Citi. Citi has built a global digital strategy across their Corporate Finance, Retail Banking, Investment Banking and other busi...
24 March 2015 /retail
Abhishek Chatterjee Managing Partner at Gartner Inc.
This year FINOVATE in London was full of innovative ideas and products. The topics varied from more traditional ideas like investment management tool, BPM, real time customer on-boarding (including AML, KYC etc), Cloud based identity and transaction authentications to more exciting ones like Virtual financial Advisory, Financial Gamification, Mobi...
19 March 2015 /payments
Retired Member
Intelligent Mortgage Sales : The Future Possible part 2 This is the second part of my blog Intelligent Mortgages Sales: The Future Possible. Buying a home – the future possible If we put ourselves in the consumer position, this is about buying a home, not purchasing a mortgage. Heart, not head. How do we improve this experience? What could the con...
19 March 2015
Facebook is to launch P2P Money Transfer from Facebook Messenger, online and via Android smartphones. By the end of the year people in the US will be able to send money with no fees, using a Visa or MasterCard debit card. If Facebook has not yet made it big in payments, this is not for want of trying. At Shift Thought we've monitored a number of fa...
While the promise of Digital Money in Indonesia has been much anticipated, the services have taken time to launch and even longer to gain adoption. This had resulted in a highly fragmented market with over 17 e-money licenses - yet none enjoying the adoption or offering the range of services required. Now this is set to change with a new regulator...
13 March 2015 /payments
Stanley Epstein Associate at Citadel Advantage Group
Developments in the mobile payments world have really got me worried. I come across an ever increasing account of different banks and technology companies coming to market each with their own variations of what they call “mobile payments”. To start with the term “mobile payments” is confusing to most, even some seasoned bankers. What the man-in-the...
02 March 2015 /payments
Banking industry is on the cusp of Digital disruption. Threats are no longer coming from their traditional peers, but from disrupters across telecom (Bharati Airtel applying for Banking license), cash rich retail (Amazon, Alibaba providing lending services) & Smart phone manufacturing (Google, Apple etc) industry. To complicate things further,...
28 February 2015 /payments
Alex Noble Account Director at McAfee
It’s been a fascinating contrast between the statements of Ana Botin and Francisco Gonzalez. In her first interview, Ana Botin (the new Global Chairwoman of Santander, formerly CEO of Santander UK) told the Financial Times that, “Bank branches will save banks from digital challengers”. Meanwhile, with uncanny timing, it was reported that Francis...
24 February 2015 /retail
Chris Principe CEO at APB, Inc.
Disruption, is a fascinating interest of mine, the magnitude occurring in energy, cars, Internet of Things and financial fronts is just amazing in its breadth and speed. On the energy front, U.S. growth has resumed due largely to the technical innovations of fracking and horizontal drilling. On the car front, Tesla, according to Forbes, has irreve...
23 February 2015
FS industry is going through a big disruption cycle, where they are trying to redefine the business model, create and sell differentiated product and services, engage customer and community at large to provide value added services, innovate and optimize business to stay ahead of the competition. Biggest threats for FS Industry are coming from inno...
20 February 2015 /payments
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