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Graham Seel

Principal Consultant
BankTech Consulting
Member since
17 Apr 2015
Location
Concord
Followers
3
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0
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44
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0
Followed by John Sims, Martha Boyle and 5 others you follow
View Graham Seel's full profile

Graham's opinions

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Graham Seel

Booking a Taxi and Payments .R.evolution

It struck me today that a brief history of booking and paying for taxis provides quite a nice illustration of what’s happened to payments over the past 20 years or so. Here’s my experience. Evolution 1980s: hailed or booked a taxi (from my home phone or a callbox), went where I wanted to go, kept an eye on the meter, and paid with cash. 1990s: same...

11 June 2016 /payments Innovation in Financial Services

Graham Seel

How Industrial Operations AI Can Help with Banking Risk Management

At first blush, you might think the kind of Artificial Intelligence applications that are deployed in industrial contexts would have nothing to do with financial services. Whether we’re talking manufacturing, process control, utilities administration, or any other industrial setting, what could they possibly have in common with banking? The answer...

08 June 2016 /regulation Innovation in Financial Services

Graham Seel

Blockchain For Financial Inclusion

Like any new technology, blockchain is morally neutral. It can be used to decrease costs and inflate bank profits. It can be used to expand the reach of financial services to the world’s poorest people. It was refreshing to listen to today’s BrightTalks webinar “Blockchain: a Power for Good?” The session was moderated by Fintech consultant Diana

26 May 2016 /inclusion Financial Inclusion

Graham Seel

5 Insider Tips on Selling Technology to Banks

In my 30+ years working in financial services, I have participated in the purchase of $100 million of financial technology. In the course of this, I interacted with many different kinds of software and hardware vendors. I was surprised at the ineptitude of most of the sales efforts. Now I consult to technology companies. So the shoe is on the ...

27 April 2016 /startups Innovation in Financial Services

Graham Seel

Blockchain Beyond the Hype

Blockchain (distributed ledger) technology is at the height of the hype cycle. VC funding so far has exceeded $1 billion. Banks, payment and clearing systems, government agencies and service providers have also invested strongly. Many of the largest banks are exploring, experimenting, testing and even piloting blockchain applications. So will bloc...

18 April 2016 /startups Innovation in Financial Services

Graham Seel

Digitization of Banks and Financial Health. My Soapbox

Think of this as a Hyde Park Corner moment. I get passionate about things. It drives my wife crazy. As a long-time banker and technologist, I want to see banking transformed by digitization. As a human being, I want to see relevant and affordable financial services for everyone. Sometimes these two passions have seemed to be in conflict. Banks view...

06 April 2016 /inclusion Innovation in Financial Services

Graham Seel

Proof of Concept: Fintech’s Best Friend?

Many Fintech firms selling to banks have unrealistic expectations. Bankers are born skeptics, and banks don’t change easily. Selling to banks is hard! When it comes to Fintech firms, especially the newer ones, banks all seem to come from Missouri. “Don’t just talk about it, show me!” So that’s what a Fintech needs to be able to do. Small Fintech Co...

05 April 2016 /retail Innovation in Financial Services

Graham Seel

Advice to Fintech Firms: How to Partner with Banks

Banks can meet changing customer expectations, but it won’t be easy. Partnering with the best Fintech firms will be a tremendous help. But what will characterize the best Fintechs? This is the fourth in a series of articles exploring Fintech's role in transformation of banking. Can Banks Ever Meet Customer Expectations? looks at the customer satis...

29 March 2016 /startups Innovation in Financial Services

Graham Seel

Banks Spend Billions on Digital Initiatives. Why Aren’t They Winning?

Most banks have high priority digital initiatives. But they are still falling further behind in customer satisfaction. In this blog, I will explain and propose steps pathfinder banks can take. Banks understand the need to offer attractive and differentiated products to their consumer and business customers. Banks know that they must standardize acr...

21 March 2016 /retail Innovation in Financial Services

Graham Seel

Fintech Can Solve Basic Liquidity Problems for the Poor

A simple concept, well executed. That is Active Hours, a Fintech solution that pays employees who live paycheck to paycheck as soon as they have earned their pay, rather than two weeks later. The Active Hours story says a lot about how Fintech has started to impact basic financial needs of those with not much to spare. I had the privilege to parti...

21 March 2016 /inclusion Financial Inclusion

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Graham writes about

  • payments
  • regulation & compliance
  • retail banking
  • wholesale banking
  • start ups
  • financial inclusion

Graham's opinion archive

  • 2019 (1)
  • 2018 (3)
  • 2017 (2)
  • 2016 (23)
  • 2015 (12)

Groups created by Graham

  • Financial Inclusion

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Latest groups joined by Graham

  • Online Banking

  • Innovation in Financial Services

  • Financial Services Regulation

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Graham reads

  • CGAP
  • MicroFinance Gateway
  • Center for Financial Inclusion
  • Financial Inclusion Insights
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