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A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.
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The Payments Council announcement that they will launch their industry-wide mobile payments service is the springboard for mass adoption of mobile payments in the UK. I have to admit a professional interest here – at VocaLink we delivered the database at the heart of the service in December last year, and we operate the underlying payments system...
17 January 2013 /payments
STRICTLY CONFIDENTIAL We share secrets with other people daily, from trivial "I've just heard that..." gossips to stuff like "My best friend's girlfriend is pregnant. By me." (LEGAL DISCLAIMER: [Insert a blob about "for illustration purposes only" and "forward-looking statement" here] - my friends are either...
16 January 2013 /security
DN: Thanks for agreeing to the interview Neil. I know our readers will be very interested to hear your view on how banks can deliver more value to their customers through customer centric initiatives while increasing profitability. Let's start with relationship pricing. NS: Relationship pricing is not a new concept in general – to a varying degr...
15 January 2013 /payments /retail
Finextra ran an article today about the UK banking sector "gearing up for the introduction of an industry-wide mobile payments". Which industry? There is no "payment" industry as such. Are we talking about banks? Or mobile operators? Or card schemes? The article stated that "the new service will enable secure payments to ...
15 January 2013 /payments
2013 holds tremendous promise to the financial institutions that appreciate the difference that technology can make in risk management. Here at Scorto we have put together a list of New Year’s resolutions for lenders. The five commitments below will help leaders re-think their tactics for loan origination and take loan application processing to a n...
08 January 2013 /regulation /retail
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
We keep hearing from enraged enterprises that some e-invoicing service providers still continue with their old 3-corner strategy > signing up big invoice reveivers and trying to force suppliers to sign up with this particular service provider. Especially angry comments come from those who already have a functioning relationship for their large v...
07 January 2013 /payments
Strong e-id is often needed when logging in also to non-banking services. Reusing bank e-id also there - especially in the public sector - is something of the most sensemaking aspects of also otherwise much needed public-private co-operation. 2011 was a great year for bank e-id (TUPAS) - the alternative (a state issued smartcard) is not used at al...
First things first. Big THANK YOU to all of you who follow or occasionally read my blog here - you are the main reason my analysis of Google Wallet ended up becoming Finextra's most popular blog post in 2012. I'll do my best to offer more thought-provoking views in 2013. My first blog post this year was inspired by my trip to Singapore for the New ...
01 January 2013 /payments
My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a member of associations, clubs etc. My point is that there are no corporate customers, no private customers, no citizens etc - only human customers or users...
28 December 2012 /payments
Ten Months of the Mortgage Market Social Media in 140 characters or less A selection of my tweets on the mortgage market over the last ten months - at last the market is recovering albeit slowly. March Stamp Duty - It may only be March but the holiday’s over : Do the numbers stack up? http://t.co/X0bNPtFT How a buy-to-let boom has transformed the m...
21 December 2012 /retail
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