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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...
A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...
We often talk about mobile banking from a technological point of view, about the fancy new tools which allow customers to view the status of their accounts or execute simple transactions. Many have th...
I will keep this blog post short and jump straight to the point (following our recent discussions with a number of key industry players who develop m-wallet platforms as well as phone-bound secure ele...
For those in a hurry, here is an executive summary: ISO 9798, assisted by the likes of Verayo (as well as femtocells and in-store Wi-Fi). Anyone remotely familiar with EMV knows that it's a mess. EMV...
Startups have a variety of business models to choose from these days. Previously stonewalled Gardens of Eden have been opened up and made accessible on reasonable, in most cases, terms. Worldwide. Wit...
Will they, won’t they? Maybe, Yes…No? Sooner or later…There has been a lot of debate about whether Apple will include NFC in the new iPhone 5. Some analysts have drawn conclusions from the launch of ...
Project Oscar, the mobile wallet grouping between Vodafone, O2 and Everything Everywhere, has had the go ahead from the European Commission to develop a single mobile wallet platform hosting cards, co...
We ran two rather unusual focus groups this weekend, discussing mobile payments. The first group was represented by "blue color" mainstream and "circumstantial" techno-ignorant lat...
Myth One: Is it really contactless? Contactless payments are marketed by MasterCard as "Tap and go". If you tap, that's a contact... To differentiate itself, I guess, Visa is using "W...
I was at a Mobile event recently when the topic of gamification in banking came up. It’s a term that has come to polarise so many opinions. I happened to be on the panel when a member of the audienc...
The story is so well known that many details are now forgotten. For example that it was not Mr. Hayek who invented the idea of the Swatch but that he took it over two years after the launching. Or tha...