3772 Results from /retail
Elton Cane Digital product delivery at News Corp Australia
Referencing the move by Barclays in the UK to introduce mobile cheque imaging in response to the reversal of banking industry plans to kill off cheques by 2018, APCA CEO Chris Hamilton recently said that type of technology could be seen in Australia in the next few years. But any vendors involved in implementing Check21 in the US last decade and...
10 January 2014 /payments /retail Future Finance
Prompted by this article reviewing games created by central banks that I found in Finextra's always excellent Best of the Web section, I've recently been catching up on what's happening more broadly with gamification in financial services. The hype has certainly been there for several years. Gartner predicted that by 2014 a gamified service for c...
09 January 2014 /retail Future Finance
Lavanyaa Moses Business Analyst at Misys
The Reserve Bank of India (RBI) has a new policy which will let foreign lenders set up branches in India. This represents an unprecedented opening up of the Indian banking industry, which will bring more competition and better services to customers. Locally incorporated units of international banks will be permitted to open branches “anywhere in th...
08 January 2014 /retail
Retired Member
Money, as they say, does not grow on trees. Balance sheets must balance, and capital requirements must be met. Next year will see the implementation of the new European capital regime - the Capital Requirements Directive (CRD) and Capital Requirements Regulation (CRR). Essentially, banks will be required to hold higher ratios of capital in relatio...
06 January 2014 /regulation /retail Financial Services Regulation
Disclaimer: the views expressed are purely mine and does not endorse my firm’s views or any individual at my firm. Let me start by asking you a question: What is common between General Motors, Daimler Chrysler and BMW, apart from the fact that they make top class cars? The answer lies in the following link: http://en.wikipedia.org/wiki/Global_Hybri...
03 January 2014 /retail
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
The old saying “Don’t do the crime if you can’t do the time” crossed my mind when I recently read this article in which loan defaulters protest against the aggressive procedures adopted by banks to recover their loans. The typical refrain of almost every defaulter profiled in this article seems to be “I couldn’t keep up with my repayments after lo...
02 January 2014 /regulation /retail
Catching up on online reading after some self imposed offline holiday time I was just reading about the latest US retailer to be plundered for customer personal and card data. For those who also missed it, between November 27 and December 15 customer names, credit and debit card numbers, card expiration dates and magstripe data were stolen from ab...
02 January 2014 /security /retail Future Finance
Whatever the truth of the Tomlinson report - and we will know once the chancellor and the bank have finished their respective reviews of it - Tomlinson does raise at least one point which it is hard to argue with. That is his assertion that the lack of competition in small business banking is as toxic, if not more so, than the lack of competition ...
19 December 2013 /retail
…Are We Guilty of Blowing Smoke? In my last blog I talked about recent increases in lending being a good thing, as long as lending policies remain prudent and conservative. Now, I want to look at transforming the low risk = low growth challenge. For me, a big part of this is about making real what our customers actually believe is true right now. ...
Going to a branch is something I try to avoid like a plague. Given I work in branch software, it is a controversial statement – but let me explain… Like many people the world over, most of my banking transactions can be done online. Going into a branch would mean enduring long queues. It can easily take thirty minutes or more just to complete my tr...
18 December 2013 /retail
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