191 Results from 2012, /retail
Retired Member
Ten Months of the Mortgage Market Social Media in 140 characters or less A selection of my tweets on the mortgage market over the last ten months - at last the market is recovering albeit slowly. March Stamp Duty - It may only be March but the holiday’s over : Do the numbers stack up? http://t.co/X0bNPtFT How a buy-to-let boom has transformed the m...
21 December 2012 /retail Innovation in Financial Services
In the current economic climate, it would be reasonable to expect that price points might be beginning to erode brand loyalty for consumers, as they seek out the best deals at the expense of their favourite retailers. However, a recent survey from e-commerce and digital marketing solutions provider EPiServer revealed that the majority of online sh...
21 December 2012 /retail
Despite a few technical changes that have occurred in recent years, until now the traditional payments landscape hasn’t changed much since the first payment card was introduced a few decades ago. The Point-of-Sale (POS) has largely retained its primary focus of allowing retailers to accept and collect payments from consumers. This is rapidly chang...
13 December 2012 /payments /retail Payments strategies 2015-2020-2030
At SIBOS earlier this year, sales force automation (SFA) was a recurring issue, as banks are finding themselves under increasing pressure to improve customer service interactions whilst remaining cost efficient. While discussing these challenges, it became clear that SFA is going to play a much bigger role in the future of banking and how banks a...
11 December 2012 /retail /wholesale
How Automotive Telematics Reduces Insurance Fraud? We all know that are car insurance is going up because of whiplash cases, bad driving by a certain age group and EU law but how can we push back and make it more difficult for motorists to do a fraudulent claim and secondly reduce insurance for good driving whether you are male or female? One of t...
11 December 2012 /regulation /retail Innovation in Financial Services
The FSA’s mortgage market review guidelines pose a number of issues for retail banks in the UK, and are set to have significant impact on the way mortgages are bought and sold here. Although new regulations can often add additional pressures within the industry, anything that can reduce liabilities without imposing onerous costs ought to be welcom...
11 December 2012 /regulation /retail
Brett King CEO & Founder at Moven
Traditionally, if you wanted to move money around, save cash, pay a bill, purchase something at a store, or otherwise have some sort of systemic access to your cash as you moved around - you needed a “bank”. In fact, you couldn't do any of these things in the past without a bank. Despite the fact you might have opted to just use cash and stay 'off...
10 December 2012 /retail Innovation in Financial Services
Twenty odd years ago when I started working in the mortgage industry, space for paper files was nearly as important as disk space to store mortgage applications. The industry has of course moved on since then, but often behind the technology curve and a little grudgingly. Initially computer sales channels were little more than an electronic versio...
07 December 2012 /retail Innovation in Financial Services
In this article, we want to illustrate the importance of augmenting automated decisioning and business intelligence systems with human intelligence. Here’s a simple logic puzzle for starters. Please look at the picture at the page bottom. There are four cards lying on a table in the way pictured below. Identify which card(s) you would flip in order...
07 December 2012 /regulation /retail Financial Risk Management
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
There has been a spate of ads and announcements over the last 3-4 weeks by banks in India about the introduction of the new Cheque Truncation System, CTS-2010, from the new year. For the uninitiated, CTS transforms cheque clearing from a paper-intensive to a digital process whereby only images of cheques move between the payer bank, payee bank a...
06 December 2012 /payments /retail
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