3676 Results from /retail
Retired Member
*SOUND THE NAVEL GAZING ALARM* While writing my last post on PFMs I was struck by how certain ideas and themes recur in my writing and thinking. I am starting to get the feeling I am burdened by these ideas. My brilliance is being hampered by these synapse occupying visions of majesty so much so that my humility has been diminished. Self mockery a...
07 June 2012 /retail
Matt White North America editor at Finextra
The name Wonga rarely appears in the media (Finextra included) these days without the accompanying adjective 'controversial'. Contrast the perception of the company with that of another innovative, technology-reliant online alternative to traditional lenders; Zopa. Far from 'controversial', the latter is often held up as a model for the future of ...
06 June 2012 /retail Innovation in Financial Services
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
Irony is when My bank wants me to visit its branch to update my email. I wonder why I can't convey my new email address to my bank via Internet Banking or in a letter signed by me in 'wet ink'. Left with no choice, I visit the branch but find that it has moved. Despite 'friending' it on Facebook, I keep getting irrelevant offers from my bank on ...
04 June 2012 /retail
Brett King CEO & Founder at Moven
Clearly, to be a deposit taking bank and offer products like Mortgages, loans, savings accounts and so forth, it would be easier to have a bank charter. However, today the lines between banks and non-banks offering financial services is blurring faster than speculative investors dumping shares for Facebook. There are many types of ‘banks’ or organ...
04 June 2012 /retail Innovation in Financial Services
On Tuesday I chaired the Future of Mobile Banking conference held in London. It was a great event, with a wide variety of highly qualified speakers and some very smart debate on topics including mobile banking, usability, innovation, and m-payments. What made the conference so compelling was that it came at a particularly interesting time. Mobile ...
31 May 2012 /retail Finance 2.0
Hans Tesselaar Executive Director at BIAN
In Europe, the open standards movement is gaining momentum. It is increasingly accepted that standards collaboration increases organisational interoperability, ensuring that different systems can communicate effectively, while dramatically reducing IT spend on costly integration. In the Asian-Pacific region, however, we have yet to see this move...
30 May 2012 /retail
I've been recently debating with bankers and credit union executives on the core banking proposition they offer to new prospects. One of the realizations that led me to this was some recent research released by Aite Group around the 'debanked' generation (Feb, 2012). In March 2011, I released a YouTube Video discussing the same segment of customer...
29 May 2012 /payments /retail Finance 2.0
Nick Ogden Chairman at Ogden Research
There is certainly a lot of focus in the UK on small businesses at the moment. Given the massive potential for small businesses to plug the hole in the UK economy, it is unsurprising that the failures of high street banks to provide affordable loans has attracted both questioning and anger. It seems interesting then that there has been so little ...
28 May 2012 /retail Innovation in Financial Services
This is a very exciting campaign launched by the Commonwealth Bank in Australia. After some weeks of teaser posters around the country and some art installations etc with the big letters CAN'T on them, they have launched a campaign today with a significant technology flavour, emphasising real time transfers and merchant services, their mobile pay...
27 May 2012 /retail
Having played this game since Lynx browser and dialup apana, its great to see some milestones in banking hit over the last month or two. MILESTONE Bank of America with their 10 million users shows that Internet banking should be considered (for now) the primary channel for bank interaction with the customer. MILLSTONE Those of us who remember tryi...
25 May 2012 /retail
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