Latest opinions that Nick Ogden has shared on Finextra

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Nick Ogden

Chairman

Ogden Research

Member since

17 Sep 2008

Location

London

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Nick's opinions

Let's Talk Payments

Public endorsement of the British banking system has certainly taken a hit in the last few years. The crisis of 2008 has eroded confidence in the traditional outfits, creating an opportunity for start-ups and traditional players alike to introduce alternative services to the market. The payments marketplace is currently experiencing a high level o...

08 October 2012 /payments Innovation in Financial Services

Improving customer loyalty - let's get back to business

Earlier this month, the Bank of England launched the Funding for Lending scheme, to lend money at below market rates to financial institutions. It is designed to prompt banks and lenders to make more money available to homeowners and businesses. This renewed focus on bank lending to British businesses has intensified since Project Merlin, the attem...

14 August 2012 /retail Innovation in Financial Services

What does the Moody's downgrade really mean for businesses?

For months now we have been fortunate enough in the UK to sit back and watch as Moody's, the bank rating agency, set about a mission of degrading poorly performing banks. But all this changed last month, as a further barrage of bank downgrades saw Moody's downgrade 15 global banks and security firms - including some banks we are all particularly f...

31 July 2012 /payments /retail

Are banks truly supporting UK businesses?

There is certainly a lot of focus in the UK on small businesses at the moment. Given the massive potential for small businesses to plug the hole in the UK economy, it is unsurprising that the failures of high street banks to provide affordable loans has attracted both questioning and anger. It seems interesting then that there has been so little ...

28 May 2012 /retail Innovation in Financial Services

Banking innovation and the customer

Banking is not a world often associated with innovation. If anything, banking customers have previously sought out stable and conservative banks – the ones that you can trust with your money. Furthermore, few question their banking loyalties, happily sticking with their long-trusted bank, regardless of offers and products elsewhere. Account swit...

24 April 2012 Innovation in Financial Services

Mobile payments - is the public ready to trust yet?

On the surface of things, it is unsurprising that figures released this week suggest that mobile payments are the future. KPMG predicts that global m-payment transactions will grow 97% per year, over the next three years, reaching a value of £591 billion by 2015. They are not the only ones who think this is true; business intelligence consultancy...

13 April 2012 /payments

Cybercrime: your tools against the fraudsters

Last week saw a number of reports released about the UK’s continued battle against cybercrime and fraud, with the financial services sector highlighted as taking the brunt of the problem. PricewaterhouseCooper’s global economic crime survey shows that cybercrime is on the rise, accounting for 38% of economic crime incidents in the financial service...

02 April 2012 /security /payments

Mobile internet: don't leave your business out in the cold

Business 2012 this year saw the UK’s best and most innovative businesses gather in London for a three day event of exhibitions, speakers and seminars. The speakers this year gave us plenty of food for thought, with Sunday’s keynote, Richard Branson, dominating discussions and press coverage. The whole event was filled with interesting seminars on...

23 March 2012 /payments

MWC12: Time to stop the debate and collaborate

As another successful MWC comes to a close, I wanted to take a step back from the inevitable smartphone model announcements, and think about the overarching theme of discussions this year. One topic which dominated MWC 2012 was, of course, mobile payments. Whether in terms of mobile banking, mobile as a point-of-sale, or even mobile contactless pa...

02 March 2012 /payments

MWC12: NFC - but not as we expected it

Over the past twelve months the payments industry has been awash with talk of NFC; when will it become mainstream and what will it look like? It is unsurprising then, that much of the mobile payment talk at Mobile World Congress this year has looked at the topic of NFC and the impact this contactless revolution will soon have on our lives. As man...

01 March 2012 /payments