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Graham Seel

Principal Consultant

BankTech Consulting

Member since

17 Apr 2015

Location

Concord

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Graham's opinions

What Do Customers Expect From Banks?

Customers are changing their expectations of everyone. Especially banks. The Connected Customer wants banking services that integrate with their connected life. If banks struggle to understand, but if they don’t respond, they will lose customers by the millions. This is true of all segments but especially true with the fastest growing segment (mill...

08 March 2016 /retail /wholesale Innovation in Financial Services

Can Banks Ever Meet Customer Expectations?

Today's connected customer expects more of their bank. Whether they are consumers or businesses, they want an Apple- or Amazon-like experience. This represents both an opportunity and a challenge of epic proportions for today’s banks. In this and future blogs we will explore how banks can deliver a distinctive “native digital” experience across all...

03 March 2016 /retail /startups Innovation in Financial Services

Enabling Women’s Savings

Is a move toward digital savings a better answer to the financial needs of poor women than continuing to roll out robust savings associations? An excellent paper just published by Women’s World Banking pleads for more active consideration of gender in the design of digital savings products. The paper, “Digital Savings: the Key to Women’s Financia...

03 September 2015 /inclusion Financial Inclusion

Bring Back the Men - To Savings Groups

From its modern beginnings with Grameen Bank, microfinance has focused on women. This made so much sense: they were traditionally underserved and financially disadvantaged, had clearer financial priorities, and were better risks. Savings groups as well have focused particularly on women in most parts of the world, again for very good reasons. But ...

08 July 2015 /retail /inclusion Financial Inclusion

Rumors of the Imminent Demise of Cash

… are greatly exaggerated. This is very significant for financial inclusion. Many people are rightly considering how much easier financial inclusion would be, especially in rural areas, if we had a society that was fully digital in its financial activities. But even in a country like Kenya, that is a very, very long way off, so we must focus on an...

16 June 2015 /retail Financial Inclusion

Informal Savings Groups as Enablers of Financial Inclusion

A major challenge for full financial inclusion is extension to the poorest households in rural areas. Even in the presence of access to mobile services, the lack of financial literacy, unawareness of available services, and very small initial savings capabilities severely limit take-up and utilization of financial services. Well-constructed inform...

09 June 2015 /retail Financial Inclusion

All-Encompassing Lending Platform for the Poor?

Is that arrogant enough? But what if we could create a generalized digital lending platform that is specifically designed for the needs of the world’s poorest people? Is that remotely possible? What might it look like? This blog takes a high-level shot at this – not because I think have all the answers (duh!) but in the hope that it will generate s...

01 June 2015 Financial Inclusion

Lines of Credit for the Poor: Are They Safe

Should financial institutions offer lines of credit (such as overdraft facilities) for the very poor? The question is prompted by some comments on a couple of my earlier posts, in which concern is expressed that banks have used overdraft facilities to push poorer households into overspending and overextending, resulting in significant overdraft fe...

27 May 2015 /regulation /retail Financial Inclusion

Can Banks Really Meet the Financial Needs of the Poor?

We often talk about whether banking the poor can be profitable, as though that’s the only thing stopping banks from providing the financial services the poor need. But in reality, the bigger challenge is that standard consumer financial services simply won’t do. Even when poor households have access to formal or semi-formal financial services, the...

20 May 2015 /retail Financial Inclusion

Financial Inclusion in a US Immigrant Community

The US Financial Diaries, which have been collected and analyzed over the past year or so by the Center for Financial Services Innovation in tandem with NYU Wagner’s Financial Access Initiative (FAI), provide some helpful insights into financial behavior, preferences and issues particularly for lower-middle class and poorer households in the US. T...

15 May 2015 /retail Financial Inclusion

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Graham Seel

Graham's opinions

What Do Customers Expect From Banks?

Can Banks Ever Meet Customer Expectations?

Enabling Women’s Savings

Bring Back the Men - To Savings Groups

Rumors of the Imminent Demise of Cash

Informal Savings Groups as Enablers of Financial Inclusion

All-Encompassing Lending Platform for the Poor?

Lines of Credit for the Poor: Are They Safe

Can Banks Really Meet the Financial Needs of the Poor?

Financial Inclusion in a US Immigrant Community

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