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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
How to commit a credit card fraud? "Simples!" - emboss card number on the card itself. The credit card predecessor (called "Certificate of Credit") didn't have a card number at all...
McCormack told a good story about the chairman of Rolex not knowing much about the watch business as he said his company was in luxury business. What many people missed or simply didn't pay much atte...
There is a lot of discussions and activities around the revival of the good old ATM. Some are trying to make these machines more user centric like Wells Fargo. Some are trying to improve the overal...
Is the Micro-merchant a new Threat? Safeguarding from micro-merchants’ fraud Making a payment to a plumber, window-cleaner or nanny – otherwise known as “micro-merchants” – couldn’t be easier or more ...
A lot of time and effort has been spent on automating manufacturing and logistics in large companies. Less has been spent on their administrative processes. Automation of SME administration and govern...
Is SME-sector competitiveness important? If governments consider SME-sector competitiveness important (65% of corporate turnover and all growth in employment come from them) they should do something a...
"EMV in the US" still seems to be a debate point. However, the potential far-reaching problem with EMV ("chip" cards) is deeper than its US roadmap. Big Fish, no chips Few people ...
As I am now checking out from full time employment I take this opportunity to sum up what we (not I..) at Nordea, Tieto, the EC Expert Group on e-Invoicing, the Real Time Economy program, the Mobey Fo...
As I plan to step down from full time employment at Tieto, but will continue as advisor in various projects I needed to establish a company of my own. Yesterday I thus logged in with my e-bank credent...
According to the latest Bank of England statistical release, the amount of notes and coin in circulation is growing at about 4% a year. This has been pretty much the average growth rate over the past...
With the release last year of the iPhone5, Apple decided to pass on NFC, at least for now. Instead, they included Passbook, an app to store electronic coupons, vouchers, and boarding passes, which, us...
Five massive foundational shifts are impacting financial service providers of all types, and they are impacting those that serve affluent clients in especially unique ways. According to a study by KP...