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What a person does after 15 mins of wake up in morning ? Check his FB account !! I don't know how it can be measured by Survey agencies.

I think none of the banker will be thinking that its customer feel so unsafe on wake up that, they need to check their account :)

I can accept the business case but not at the cost of inflated numbers to create gango effect :)

Usually most ATMs have its Inbuilt PC SECURED behind chest door or sometimes separate physical partition in whixh ots kept for field engineers to maintain machine for break fix, software updates.

Kind of malware attackdescribed is possible only if some one has such access to PC in ATM. I believe  two or three year  back USB access slot to external party was removed.c

Kudoes to Lloyds business team. I have been advocating Branch Appointment feature as part of Digital Bank strategy. Good to see business case.

HNI and corporate customers are bound to benefit apart from bank providing this meeting rooms on rental during non peak hours for HNI and SME customers.Ofcourse for good DDA accounts it can be packaged.

Very interesting biometric device for authentication.

@Vernon - Thanks for raising valid reason. I went through features of Nymi and came to know that apart from registereing heartbeat ( Heart ID ) to make belt personalised for your authentication there is registration process on device which need to authenticate Nymi with AAD. Please look at the explanation from Nymi's features.

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The Nymi functions on a 3-factor security system. To take control of your identity you must have your Nymi, your unique heartbeat and an Authorized Authentication Device (AAD), which would be a smartphone or device registered with our app. The Nymi is also built upon the principles of Privacy by Design, which means that only you control and access your identity and personal information.

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So holding wrist band and registereing heart beat is not enough for authentication.

Is Ripple becoming alternate to SWIFT for Cross boarder payments? Interesting comment by the banker.

PayPal UK has already seen vulnerability and theft of credit card information in May 2014. Hope this does not end up in more bad name for Bitcoin.

PixelCase team have shown how to bring innovation in photography 'Big Giga Image' and Commonwealth bank has done marriage of Customer Experience and Technology to next level.

As customer, searching through those 8000 pictures for hunt will surely bring fond memories of Sydney :)

This is much better gamification business case than usual wallet win games.

Good to see effort to control the Cancer ( Cyber Attacks) but why none are talking of those leaky decade old TCP/IP protocol stack which makes Routing, ARP, DNS and other network layers vulnerable.

This will have effect on next generation network appliance and applications such as One of the blue print for Smart Cities and Smart Schools was to create secured network to rid the next generation traffic of IoT. IoT protocols SWAVE, Zigbee, AMPQ and more may have less payload but still vulnerable on such leaky networks.

Semi Urban and Rural locations which is the focus as per govt as well as banks to cover unbanked population and mPOS initiatives will sure bring more motivation for banking services using mobile banking and mobile payments.

Largest markets such as migrant workers sending payments to family, direct govt benefits payments, cross sales of Insurance and other financial products and services as well as retail e-commerce can leverage this merchant network.

Brilliant stuff from SWIFT