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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 

Will Mobile do the trick for the Banking Industry?

Since begin of the year, one can observe a sort of gold rush in the area of mobile banking: first was AXA Banque in France, which launched a new 'mobile-first' offering called Soon (addressing several markets). Not to mention other pure-play mobile banks worldwide like Moven, GoBank, Fidor, and Hello. Last week a major American bank apparently man...

Retired Member

Retired Member 

What Steve Jobs knew back in 1984 and why that matters today

Mobile payments. HCE. Mobile wallets. Wearables. This launch, that announcement. Blah, blah, blah... There is so much overlapping noise, confusion and lack of any clear direction in the market right now. Apple has been flying below the radar lately, on all fronts. Yet, anyone who is active in mobile payments should not forget how disruptive Apple c...

/payments

Bo Harald

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

Massive forces needed

When we have been working with changing direction in large companies or large scale projects like x-EU e-invoice harmonization, automated VAT reporting and the real time economy generally speaking we have noticed that the mass we need to move is great. The reaction is naturally to apply more force and also call in bold decision makers (hard to fin...

/payments

Retired Member

Retired Member 

What Banks can learn from the 1 billion move from IBM

Last week, surrounded by all the pop shows and colors that only Las Vegas can provide, IBM revealed its latest marketing play: opening its billions of dollars middleware products to the internet for the first time and bolstering the connectivity of enterprise applications and data to the cloud. Unsurprisingly named, “BlueMix”, it combines IBM's so...

Retired Member

Retired Member 

Volcker - The Ultimate Challenge

Big Data Blog – Volcker “the Ultimate Big Data Challenge” Forbes Magazine published an article in December with the ominous title “Volcker Compliance: The Ultimate Big Data Challenge”. The article refers to the Volcker Rule, the critical piece of legislation which forms part of the United States’ Dodd-Frank Reform bill. This law was enacted in r...

/regulation

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

How do we achieve 'The Holy Grail' in contactless payments?

Hot on the back of the recent news of Europe’s largest department store group El Corte Inglés taking the plunge towards contactless, yesterday’s Finextra report highlights new figures from WorldPay showing that contactless payments in the UK are rocketing, with 226% more contactless transactions compared to this time last year. This is yet furthe...

/payments

Retired Member

Retired Member 

Simple Bank - a Financial prosumer tale !

Prosumer is a portmanteau originally formed by contracting producer with the word consumer. In a commercial environment, it describes a market segment between professional and consumer. (Wikipedia) Portland, the main city of Oregon, has little to do with the techie Silicon Valley or the greedy and sophisticated city which is home to Wall Street. Fo...

/wholesale

Bo Harald

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

We all know where we are heading

We all know that administrative processes will be fully automated in the future and continue their march towards real time. Still far too many of us continue to sit on our hands - perhaps not hoping that this inevitable change is a bad dream - but not having the energy or time needed to get out of daily chores. All this despite the whole process b...

Retired Member

Retired Member 

WhatsApp and the future of the Banking Industry

Blinded by the mega deal between Facebook and the 50 employees company WhatsApp for obscene amount of 16 Billion USD, for many followers of digital gossip, the news about the acquisition of Simple Bank by the Spanish group BBVA went almost unnoticed. It’s true that the value of the deal, EUR 100 Mio looks ridiculous in comparison, however I want t...

/wholesale

Paul Blank

Paul Blank e-Trading Solutions at TradAir

Single-Dealer Platforms and SEFs

Last week saw the introduction of mandatory execution on new SEF platforms for certain standardised interest rate swaps. Such swaps will no longer be executed bilaterally between banks and their clients, but rather must be executed anonymously on SEFs. The move to SEF trading has however been tentative, with many buy-side firms holding back, nonet...

/wholesale

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