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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.

Bo Harald

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

Demise of cash in Finland

Steady progress

/payments

Bo Harald

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

e-id and e-commerce payment volumes growing in Finland

Observations: 1. the public sector is the main user of banks e-id services and the growth continues as bank e-id also can be used for electronic signatures 2. e-commerce transactions are real time payments and showed very good growth in 2012

/payments

Bo Harald

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

e-invoicing growing fast in banks

Observations: 1. banks have signed up 230 000 enterprises (mostly for b2b) - almost all active ones in the country 2. volumes grew very fast in 2012 but will accelerate this year

/payments

Bo Harald

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

e-banking STILL growing in Finland

Observations: 1. 5,4 m citizens have made 5,8 m e-banking contracts (pay for the service to two banks in many cases) 2. transactions continue to grow fast

/payments

Jim Marous

Jim Marous Publisher at The Financial Brand

Banks Need To Improve Use of Customer Analytics

Understanding customers is the foundation to a sustainable competitive advantage in banking. Therefore, financial marketers can no longer wait to embrace the power of advanced analytics to gain insights and evaluate opportunities that will improve cross-selling, up-selling and enhance share of wallet. Financial marketers also need to extract more ...

/retail

Retired Member

Retired Member 

Themes from the Annual Underbanked Financial Services Forum

The 8th Annual Underbanked Financial Services Forum in Miami last week was a three-day collaboration involving financial service innovators—representatives from networks, like yours truly, to banks and credit unions, payment and technology firms, non-profit organizations, researchers and regulators. In a series of seminars, keynote speeches, net...

Retired Member

Retired Member 

Where the puck is going to be

Everyone wants to be part of the mobile payments revolution. By now most players realized that there is no money in payments. The next stampede direction - Big Data. Who wouldn't want to fight over that dessert. Yet, as Harry Ellis (Die Hard) put it: "It's not what I want, it's what I can give you". (He became extinct when he failed to de...

/payments

Alex Noble

Alex Noble Account Director at McAfee

Just where are you advertising? Brands, Social Media and CRM

Nationwide Building Society did well to respond so quickly to last week’s social media campaign. The story and the whole news cycle highlights a new set of risks & challenges for CRM. What makes it especially challenging is that there were no objections to the content of the adverts or Nationwide itself. The problem was the context in which the...

/retail

Retired Member

Retired Member 

'Press to Pay' silver bullet for contactless cards fraud

Contactless cards are in the "limelight" again. First it was M&S, then London buses (in fact, BBC reported on that issue back in February), now it's Amazon. Let's start with the latter. I highlighted the "CVV-less" problem of Amazon last summer. Amazon claims they "employ impressive fraud detection systems". One ...

/payments

Pat Carroll

Pat Carroll Founder/Executive Chairman at ValidSoft

Slowly but surely, SIM Swapping is moving up the fraud chain

I am still finding it hard to meet industry people who know much about SIM Swap fraud. The latest report on the ABSA and MTN initiative shows the urgency of getting to grips with this insidious and not-too-well-understood fraud vector. If you don’t know about SIM Swap fraud, it is committed when a fraudster, using social engineering techniques, du...

/security

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