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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 

The future of trade finance

An efficient and effective trade finance market is vital to a country's prosperity and to the survival of thousands of individual companies in the supply chain, but it is an incredibly clunky, paper-based world. The set of documents and processes has remained largely unchanged for decades, supporting traditional letters of credit and guarantees. T...

/payments /sibos

Retired Member

Retired Member 

What is a Digital Wallet anyway?!?!

I've been reading a lot about “which way” people think the digital wallet is going to go. I have a Samsung Galaxy S4 with EE. My wallet has NFC through cash on tap. I can order ahead and pay on the go, or check in to pay and will have BLE and Beacon through PayPal. My wallet has mobile checkout and QR code "advert buying" through Pingi...

Retired Member

Retired Member 

NFC vs Bluetooth Low Energy

2011 was meant to be "the year of NFC". So was 2012. And 2013. However, earlier this year NFC ran out of steam as far as "mind share" is concerned. When Google Wallet decided to drop support for loyalty cards - one of the key components of any m-wallet (and one of the core functions of ISIS wallet, via SmartTap) - it became clea...

/payments

Chris Principe

Chris Principe CEO at APB, Inc.

The Golden Age of Trade

Global Trade has never NOT had a Golden Age ... Trade is the driver behind everything that happens and the reason why it happens. Trade is the reason that people have expanded across the globe. Trade is the reason that new innovations happen and then are spread to everyone. Trade is the motivation for acquiring knowledge and with it wealth. Throug...

/sibos

Retired Member

Retired Member 

McKinsey forecasting big changes and growth in payments

One of the best sessions at Sibos today came from McKinsey, who for the third year in a row fielded Philip Bruno and Marc Niederkorn to forecast what’s likely to happen to payments over the next few years. It was pretty upbeat stuff on the whole. They believe that payments revenues will grow about 7% a year, adding around half a trillion dollars...

/sibos

Chris Principe

Chris Principe CEO at APB, Inc.

The downstream BPO business - a new type of model?

One of the big buzzes around Sibos this year has been the Bank Payment Obligation (BPO) and the new ICC Uniform Rules for BPO (URBPO) released this April. (http://www.iccwbo.org/About-ICC/Policy-Commissions/Banking/Task-forces/Bank-Payment-Obligation-(BPO)/) It seems everyone was holding their breath for the dropping of the rule book, as if the gi...

/sibos

Chris Principe

Chris Principe CEO at APB, Inc.

SIBOS is my Superbowl

Wow, SIBOS, the 20+ year brainchild of SWIFT is upon us again! There is no event that excites me like SIBOS. I have been to 11 of the last 13 SIBOS's and sad to say that I will be missing this years in Dubai. There are so many expectations for SIBOS and this year is no exception. Top of my list is the Bank Payment Obligation (BPO) which in a h...

/sibos

Retired Member

Retired Member 

Native NFC on iPhone - courtesy of MasterCard Australia

I predicted back in December last year that iPhone will have NFC in 2013. We now have it! Pay attention to "tap" at 0:32. To enable that feature on YOUR iPhone, contact MC Australia :) P.S. On a serious note, NFC was my only "miss". The rest of the items from my list have been "ticked off": rise of Bluetooth Low Energ...

Retired Member

Retired Member 

Zapp - why it matters and rocky road ahead

Zapp is a VocaLink's venture. VocaLink are the "payment rails" in the UK - they are the engine behind Faster Payments scheme and the nationwide ATM network (LINK). They are in bed with every major bank in the UK. Zapp partnered with the UK's largest acquirer to offer retailers an alternative to... Visa and MasterCard. That's what Square, ...

/payments

Retired Member

Retired Member 

The 'moths light' of PayPal Beacon

How is Beacon different from in-store WiFi? Except that WiFi works on any smartphone compared to Bluetooth Low Energy (used in Beacon) which is only available on a few latest models?.. (Google enabled full support of BLE on Android only two months ago...) Also, if I am in a "shop-dense" area (e.g. a shopping mall), guess how many compet...

/payments

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