3859 Results from /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
Elton Cane Digital product delivery at News Corp Australia
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
To B or not to B, and if we B then how to B – this is the million dollar question we need to ask banks before they setup shop in India. Disclaimer: this article is purely my personal opinion and the thoughts expressed are personal and do not express the thoughts or the opinions of my company or any other employees of my company. ...
16 December 2013 /retail /wholesale
“So here I go again…walking down the only road I’ve ever known.” Yes, it’s the lyrics from a Whitesnake song! But I kept singing it whilst reading about recent moves in the UK lending market. And then there’s the definition of insanity: "doing the same thing over and over again and expecting different results." Are we in danger of doi...
11 December 2013 /regulation /retail
The RBS story last week was the latest in a long line of banking tech failures. year. So why do they happen and is there a solution? Many insiders believe there has been a gross under investment in banking technology in the last ten years. Well, banks have been busy ploughing resources into compliance to keep on the front foot with burgeoning regul...
11 December 2013 /retail
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