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

A Change is in the Air

The autumn statement is upon us and the country is eagerly waiting decisions on small business lending, with recent pressures and initiatives demanding a clear Government plan for growth. Clear signals need to be communicated in this statement; otherwise more businesses will be left on the sidelines once again. We have seen many policies come and...

04 December 2012 /retail Innovation in Financial Services

Alternative lending and Government spending

The relationship between banking and small business financing is not a healthy one. Recently this has become more extreme as media attention increasingly focuses on the failures of high street banks in the lending stakes. Now we see banks, non-banks and politicians alike entering the fore in a bid to support small businesses. But given current ec...

22 November 2012 Innovation in Financial Services

Business bank accounts - free vs. fee?

Banking has been hitting the headlines in all manner of guises over recent months – from IT problems through to bonuses, the UK’s banking community has never been under more scrutiny. This is why it came as little surprise a few months ago when attention turned to banking fees and the idea of ‘free banking’. Of course, there are strong arguments o...

01 November 2012 /payments Innovation in Financial Services

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