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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 is not all Mobile and Online Banking

I interact with several 'experts' in digital banking. These 'experts' are introduced as strategy leaders. In conversation with them the talk is all mobility and online banking. In presentations, it is more mobility and online. Often I have seen these 'experts' demonstrate a shallow understanding of the business of banking. Sadly they are in the c...

Retired Member

Retired Member 

MMR and Technology - Mutually exclusive?

Earlier this year, FStech magazine looked at technology predictions for the year ahead. I’ve picked out three areas I believe to be very relevant to the UK mortgage market, in this year of the Mortgage Market Review: 2014: the year regulation gets serious Leveraging the benefits of electronic channels Improving customer service while reducing cost...

/retail

Chris Errington

Chris Errington Semi-retired at None

Robots are automating receivables - Danger, Will Robinson!

I attended Shared Services & Outsourcing Week in Dublin recently and sat in on a session called “Increasing Automation to Optimise Existing Technology”. Part of the session focused on improving the cash collection part of the shared service provision for a global healthcare company. The firm presented a case study around the receipt of payment...

/regulation

Uri Rivner

Uri Rivner CEO and Co-Founder at Refine Intelligence

Sweetheart Scams: When Fraudsters Turn to Romance

It’s always heart breaking to see how people keep falling to good old fraud techniques, and while the recent wave of Sweetheart Scams carries a clear romantic notion, it’s actually one of the nastiest ploys on the market. “It’s too good to be true” has never been more highlighted than when the tall, handsome foreigner you had a digital relationshi...

/security

Retired Member

Retired Member 

Target 2 - Securities - Shaping the EU finance space

TARGET2-Securities, or also known by its acronym as T2S, is one of the most ambitious projects of the European Central Bank (ECB) and 17 national central banks in the euro area (which are collectively known as the “Eurosystem”). Since 2008 under development, according to the board leading the program, the project is on time and schedule to go-live ...

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

'Trust but Verify' : Trust in Data Protection and Mobile

No matter what part of the payment industry you’re in, earning and retaining your customer’s trust is paramount. In light of numerous data breaches and even government spying, companies the world over have to work harder than ever to earn their customer’s trust –especially when it comes to protecting their personal data and privacy. This fact was ...

/security

Retired Member

Retired Member 

NoSQL to the Rescue

One of the most interesting, and potentially revolutionary, applications of big data technology in financial services has to be the schema-less trade repository. The best way to understand the solution is to first look at the problem. In investment banks, there is a huge problem with data and system dispersion. By nature, the bank’s organization

Retired Member

Retired Member 

Cash is king, but of which kingdom?..

It was interesting to see many Finextra readers defending cash. Most arguments in favour of cash are based on sentiments, rather than hard facts. The best authority on that subject, IMHO, is Dave Birch of Consult Hyperion. He wrote almost 150 blog posts on cash, citing or referencing mind-opening statistics and facts. Attempting to sum up Dave's ...

/payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Chip and Skim Cards: Renewed Need for Layered Authentication

In the ongoing game of one-upmanship between hackers and payment fraud prevention technology, new research presented at the 35th IEEE Symposium on Security and Privacy suggests that the fraudsters have yet another vector to utilize, exploiting new vulnerabilities within existing implementations of EMV/Chip and Pin. The new research suggests that c...

/security

Retired Member

Retired Member 

Checking my crystal balls

Summer is upon us, and it's time to do mid-year revision of my predictions for 2014 (last year I got 6 out 7 right). Wearables - tick Samsung's Gear 2, Moto 360 by Motorola, G watch by Google (developed by LG), One by HTC and iWatch by Apple are going to hit the shelves soon. None of those smartwatches support mass transit or mobile payments (iW...

/payments

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