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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.

Retired Member

Retired Member 

DIGITAL BANKING Tips - Tip 26: Mobile Marketing

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...

/retail

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Don’t give them any water: How the IOT is like The Gremlins

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...

/security

Retired Member

Retired Member 

Will ApplePay be good or bad for UK banks? What about the consumer experience?

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...

/payments

Charmaine Oak

Charmaine Oak Co-Founder/Director at Shift Thought Ltd

Apple Pay comes to the most contactless ready country - UK!

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...

/payments

Retired Member

Retired Member 

DIGITAL BANKING Tips - Tip 25: Social CRM

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, ...

/retail

Retired Member

Retired Member 

Multi-disciplinary teams yes, but with chemistry too

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...

Retired Member

Retired Member 

What is bPay's business model?

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...

/payments

Retired Member

Retired Member 

How to Mitigate Cloud Data Privacy and Security Risks in the Financial Services Industry

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 ...

/security

Alex Noble

Alex Noble Account Director at McAfee

What would widespread crypto-currency mean for Greece?

Today’s situation in Greece is bad for all parties and for once the media are using word “unprecedented” correctly. There have been currency union crises before (such as the Latin Monetary Union, from which Greece was expelled in 1908 for debasing its gold coinage) and banking crises before. Yet it is possible that this may be one of the last fina...

Charmaine Oak

Charmaine Oak Co-Founder/Director at Shift Thought Ltd

Payments systems in the US: A sleeping giant awakes

This weekend as we joined in wishing our American friends and family around the world a wonderful Independence Day, my thoughts turned to how Payment Systems are changing in historic ways in America, in many ways setting off a chain reaction that will transform the way we transfer value, not just in the US but world-wide. The danger was that the l...

/payments

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