Latest opinions that Craig Ramsey has shared on Finextra

Join the Community

22,039

Expert opinions

43,969

Total members

395

New members (last 30 days)

177

New opinions (last 30 days)

28,688

Total comments

Join Sign in

Craig Ramsey

Head of Real-Time Payments

ACI Worldwide

Member since

09 Sep 2009

Location

Watford

View Craig Ramsey's full profile

Craig's opinions

The customer is always right

It’s a fact that when it comes to banking and payments, customers have high expectations of reliability, efficiency and dependability. This has not changed over the decades. What makes it more challenging for banks today is the speed at which transactions occur, along with the sheer growth of the number and complexity of payments. More and more pay...

21 September 2011 /payments /sibos Finextra@Sibos

Hubs. Time to make them work

Payments hubs have been a talking point for a number of years now. Once envisioned as the 'silver bullet' for payment system consolidation, the reality has become somewhat different. I've talked to a lot of different banks over the past few months, including some at Sibos, about the status of the hub projects they have undertaken. The overwhelmin...

20 September 2011 /payments /sibos Finextra@Sibos

Final countdown to Sibos

It’s hard to believe that Sibos is upon us again. It doesn’t seem like almost a year since we were all in Amsterdam. (Although they do say that times goes faster as you get older, so maybe that’s to blame…) In a world where so much is ‘virtual’, I must confess to a small stab of guilt at the thought of so many people travelling from around the worl...

15 September 2011 /payments /sibos Finextra@Sibos

Knowledge-based innovation

All banks benefit from improvements to the payment market’s efficiency. This is where experienced software professionals can help the payments community achieve more in less time, particularly in complex global markets. Software partners are in a position to help deliver innovative services with their available proven solutions and tools. When a b...

20 June 2011 /payments /wholesale EBAday

Innovating to compete

The need to develop new customer propositions has become more important recently because of the new market entrants that many claim are eroding the traditional bank’s business in the payments space. It is a common topic of conversation at industry conferences, but in reality these new entrants invariably work with banks to deliver final settlement...

17 June 2011 /payments EBAday

Reaching true differentiation

A broad range of activities - and not just cost cutting - must be adopted if a financial institution's market share is to be maintained and managed, and are imperative if market share is to grow. Consider a scenario in which every organization provides the same processing to ensure regulatory compliance. In this situation, there is little a custome...

16 June 2011 /payments /wholesale EBAday

EBAday blog pt. 2: Innovate and cut costs

An ongoing squeeze on budgets, combined with unprecedented levels of external scrutiny of both operations and performance, has created a situation in which improving the cost base has become paramount for most banks. Nonetheless, cost cutting need not be an insurmountable obstacle to innovation. Indeed, it may be a key driver of it. The new market...

15 June 2011 /payments /wholesale

EBAday blog pt. 1: wholesale payments innovation

With EBAday starting tomorrow in Madrid, I can't help thinking that one of the main topics of discuss will be around innovation. Whether it is bringing new products to market or offering existing services at a lower cost, innovation in wholesale banking payments is now an important aspiration. Innovation is often seen as the means by which banks m...

14 June 2011 /payments /wholesale

IPS in review

As the IPS conference in London drew to a close yesterday one theme was coming through loud and clear: there are plenty of new payments methods emerging into the mainstream, such as mobile, and lots of new ways to interact with customers. The innovation in the retail banking sector is impressive, but it seems not to be met by an equal level of inn...

25 March 2011 /payments /wholesale

Saying goodbye to the old...

I blogged earlier this week about the importance of payments and banks adding value for their corporate customers, which is being highlighted at IPS. Electronic payment volumes are still increasing and banks have to look at how they are being managed and processed. But for many institutions this can be easier said than done. The past 30 years ha...

23 March 2011 /payments