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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.

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Target breach is bad news for the industry

Once again we are sadly reminded of the vulnerability of businesses to data breaches, and we are left with 40 million customers fearing that their credit cards will be hijacked by fraudsters just in time for Christmas. There has been a consistent rise in cyber-crime in the past few years, and traditional security solutions have proven to be inadequ...

/security

Retired Member

Retired Member 

Tweet or become obsolete - banks selling using social media

I had the opportunity to visit Beirut recently, where I met and addressed senior executives from various banks. It became apparent that many banks are still seeking to understand how best to leverage social media. Of course, this is a huge subject to cover in a single blog, so I will address one specific aspect of social media – micro blogging. ...

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Finding security in digital currencies

Digital currencies such as Bitcoin have been capturing the attention of the world’s financial and technology press for some time, both in a positive and negative manner. Digital currencies are here to stay, it’s inevitable, and these virtual currencies are at an inflection point and already playing an increasingly apparent role in the daily tradin...

/security /payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Tis the season to be jolly - Ho Ho Hopefully!

The UK’s Fraud Prevention Service wants to remind Christmas shoppers to be ultra-prudent with their personal and financial details. The numbers show an increase of 23% in the number of victims of account take over in the last two months alone which is quite a staggering increase really. Such numbers clearly show that hackers, fraudsters, cyber-cr...

/security

Retired Member

Retired Member 

Rising tide trends in 2014

Last year, my magic crystal balls helped me get 6 out of 7 predictions right. Let's see if I can do even better this year. As a quick summary, my predictions for 2014 are based on proliferation of alternative form factors (wearables and uber-wallets) that combine several interfaces (BLE, NFC and GSM) to disrupt major use cases (mobile payments in p...

/payments

Retired Member

Retired Member 

Is PayPal talking to a lighthouse?

Aircraft carrier is an awesome sight: it's huge, full of energy, impressive in all respects. It's worth a lot of money too. However, when you see an aircraft carrier on the horizon heading towards you at full speed, that means one certain thing - it is going to crash, due to its maneuvering capabilities (stopping distance, turning circle, etc.) Go...

/payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

ECB moves to securing mobile payments

The ECB published its recommendations for the security of mobile payments last week last week. Although unrelated, this latest set of recommendations shows how Governments and Central Banks (US Federal Reserve Banks recently announced a public consultation exercise on improving the future U.S. payment system, and the newly formed Financial Conduct...

/security

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Brett King Raises an Interesting Point...

Brett King’s recent article on ‘Banking’s new playground’ raises some interesting points as to ‘how Africa will show the way’. Smart phone penetration in Africa is currently less than 15% and projected to be an estimated 40% by 2017. This means that mobile banking and payments service providers will have to service both Smart phones and Feature p...

/payments

Chris Principe

Chris Principe CEO at APB, Inc.

The Starving of SMEs

The Starving of SMEs Like many of my industry colleagues, I have been passionate about the financing of SMEs, who are the true lifeblood of global trade. Banks, like most businesses, only have time and resources to service the top 15% of their base where the large percent of their revenue comes from. In recent year's many of the regulatory conc...

Brett King

Brett King CEO & Founder at Moven

My Social Media brawl with HSBC

If any of you watch my Twitter feeds, Facebook or Google+ posts or those of the financial services crowd at large, it is highly likely that you will have seen a post I authored on Huffington Post on Friday. The post details my experience with HSBC Business Banking after they closed my business account without notifying me. The first I knew of ...

/wholesale

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