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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Alex Noble

Alex Noble Account Director at McAfee

Are we getting Big Data fatigue?

There seems to be some shock that bank execs might be dissatisfied with Big Data. Big Data (the ability to analyse and understand massive data sets) has been heralded as revolutionary for financial services and is seen as a major IT trend. The promise is huge. The compute power and analytic software now exist to interrogate unimaginably huge amo...

/regulation

Retired Member

Retired Member 

Why markets tumbled on Global Economic Outlook

According to the Global Economic Prospects annual report from World Bank just released, growth in 2014 was lower than expected. Global growth is expected to rise moderately to 3% in 2015, while high-income countries will see a smaller growth of 2.2%. Developing countries fare better with a 4.8% increase. Having just studied the report I thought I ...

/regulation /retail

Retired Member

Retired Member 

Solving the corporate bond liquidity conundrum

Financial market structure changes, largely driven by G20 reforms, are arguably the catalyst to the inefficiency and ever increasing liquidity drought in the secondary european corporate bond markets which investors look to address. Access to liquidity remains the biggest challenge for investors as banks are unable to provide liquidity because of ...

/wholesale

Stanley Epstein

Stanley Epstein Associate at Citadel Advantage Group

Understanding Digital Banking

The term ‘Digital Banking’ is, to my mind, one of the most miss-understood concepts in the financial world today. Ask any group of 21st century bankers and you will get more definitions than there are member of the group. And this confusion of definition is one of the reasons why there a lack of fire and enthusiasm for the whole idea. Many simply ...

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

The key to progress is change

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 enabled and driven by exponentially more capable IT. We need something to change into. Simplified - experienced - roadmap: 1. Create service or tool that ...

/payments

Retired Member

Retired Member 

The year 2014 was a tipping point for NFC payments

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 really powerful year for payments innovations. I summarise some of the main points from my interview and welcome your comments on how you saw NFC and con...

/payments

Retired Member

Retired Member 

Mobile Money in Zimbabwe reaches 5 million people

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 convenient ways to transfer money, pay for electricity and basic services and last but not least, add much needed top-up to their own mobile phones, or those ...

/payments

Abhishek Chatterjee

Abhishek Chatterjee Managing Partner at Gartner Inc.

Digital Banking through customer centric BPM

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 integration-centric BPM. We have seen extensive back office use-cases like payments reconciliation, customer on-boarding, KYC, anti-money laundering (A...

/retail

Abhishek Chatterjee

Abhishek Chatterjee Managing Partner at Gartner Inc.

Digital Marketing 2.0 - Rise of the predictive analytics

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 electronic (mostly TV and Radio) channels. With the evolution of Internet, e-commerce; proliferation of Digital channels and payment services in last 10-15 ...

/retail

Bo Harald

Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,

2015 - towards 100pct e-invoicing

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 reason for this optimism is: 1. There are some 300 000 enterprises - and service providers have signed up close to 350 000 (banks have the lions share of...

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