3643 Results from /retail
Retired Member
Paul writes about P2P lenders seeing a silver cloud in the sub prime mortgage crisis, and subsequent fall out. I wanted to expand a little, on why I at least, believe that to be true. Banks have many influences on their lending practices, andgenerally, only one of those influences is under the direct control of the borrower. That would be the borr...
15 September 2007 /retail Trends in Financial Services
Paul Penrose Head of Research at Finextra
The credit crunch may be bad news for traditional banks, but the new breed of peer-to-peer lending operators are viewing the current liquidity crisis as a clear opportunity to take on more business. With traditional lenders tightening their loan criteria and dispensing with special introductory credit card rate offers and home equity loan options,...
14 September 2007 /retail Trends in Financial Services
There is much debate on the value of customer loyalty metrics. This post from my other blog, has attracted some debate, so thought I would open it here to this audience. The subject of customer loyalty measurement is a controversial, and deep topic for bankers. I have no particular axe to grind here on the debate, and am just curious which measur...
07 September 2007 /retail
Investors Business Daily via CNNMoney comments on the use of Web collaboration tools such as RSS, Wikis and blogs in the business sector under the guise of a new business buzzword: Enterprise 2.0. It's the first time I've heard the term in general use, but it seems that I'm well behind the curve. The phrase was first coined by Andrew McAfee from H...
04 September 2007 /retail /wholesale Trends in Financial Services
Banking giant HSBC has been forced into an embarrassing u-turn over interest charges on graduate overdafts following a successful protest campaign on the Facebook social network organised by the National Union of Students. The rapidly proliferating campaign, called 'Stop the Great HSBC Graduate Rip-Off!', (see Finblog earlier this week), attracte...
30 August 2007 /retail Trends in Financial Services
Computer scientists at Harvard's School of Engineering and Applied Sciences, in collaboration with colleagues from the Netherlands, are using a novel peer-to-peer video sharing application to explore a model for electronic commerce that uses Internet bandwidth as a global currency. The researchers envision an e-commerce model that connects users ...
30 August 2007 /payments /retail Futuristic Banking
University graduates are furious at a decision by HSBC to charge interest on previously free overdrafts. UK broadsheet The Guardian reports on how thousands are now turning to Facebook in a 'viral campaign' against the bank The rapidly proliferating campaign, called 'Stop the Great HSBC Graduate Rip-Off!' has already brought in thousands of rec...
28 August 2007 /retail Trends in Financial Services
Elton Cane Digital product delivery at News Corp Australia
News this week from Las Vegas about telcos offering rewards for information on thieves stealing live cable got me thinking about the possible cause of Internet bank Egg's woes this week. C&W, which provides Egg's web hosting, says it was having to put in re-routes to take customers away from the fault while they isolate it. If they find that t...
24 August 2007 /security /retail
UK payments body Apacs published a PIN security advice guide for consumers late last week reminding cardholders of the continued threat from counterfeiters and shoulder surfers. Despite the introduction of Chip and PIN technology in the UK, card skimming and the subsequent use of cloned cards in overseas networks remains a lucrative business for t...
20 August 2007 /security /retail Futuristic Banking
Billed as the official place for all things PayPal, the online payments pioneer has opened a corporate blog with the following mission statement: "We created The PayPal Blog as a forum for PayPal employees to engage with you -- to connect you with the leaders of our company and capture their insights and opinions. Most importantly, we want to...
15 August 2007 /payments /retail Trends in Financial Services
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