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1270 Results from 2013

Retired Member

Retired Member 

Evolution of Channel Banking

Banking jargon like multi-channel banking, cross-channel banking and now, omni-channel banking, has led to confusion among bankers and customers alike. Bankers are unsure as to what banks actually want to offer to their customers, while customers do not know what they can expect from banks' channel banking solutions. Banks tend to use the omni-cha...

Retired Member

Retired Member 

HCE possibilities

Many have seen Google announcement for supporting Host Card Emulation in their latest Android 4.4 KitKat OS. HCE is not new technology. BlackBerry had is for some time in their devices. But wider HCE support may trigger new and revived interest in implementing custom NFC contactless mobile payment apps without need to utilize Secure Element (SE) i...

/payments

Nick Levy

Nick Levy Partner - Financial Services at IBM Consulting

Will video replace the telephone in banking?

With the growing adoption of smart phones, iPads and video-enabled devices, banks now have the ability to implement new channels, including video, for connecting with their customers. And, with the desire to create powerful emotional connections with the customer, video may just replace the telephone. Telephony service remains a vital way for cust...

/retail

Kishen Gajjar

Kishen Gajjar Management Consultant at Infosys Consulting

Are mobile wallets being made by the wrong people?

The leaders in mobile wallet technology? Undoubtedly retailers. Starbucks and McDonald’s are already building these wallets in response to customer demand. But with mobile wallet use predicted to rise in 2014, should banks or mobile operators—who are better positioned to offer levels of security customers expect—be building them instead? The cha...

/retail

Retired Member

Retired Member 

A condom with a hole

Google made waves last week with their announcement about Host Card Emulation (HCE) solution that allows, inter alia, to "emulate" EMV without requiring any secure element (SE). Oh my... Google's own source claims that "Android HCE emulates ISO/IEC 7816 based smart cards". Well, ISO 7816 is a standard for contact (!) cards tha...

/payments Innovation in Financial Services

Retired Member

Retired Member 

Making Business Personal Again

My parents ran a small, largely cash business. My mum would make weekly runs to the bank on the bus with a plastic shopping bag of cash, on the understanding that no one bothered to mug a middle aged lady out doing her shopping. She would go to our local bank and see one of the tellers who would help her deposit the week’s takings. Her favourite w...

/retail

Retired Member

Retired Member 

EMIR trade reporting: The race to comply

The media is awash with speculation on the preparedness (or indeed, lack of preparedness) of buyside firms for European Market Infrastructure Regulation (EMIR). With the EMIR trade repository authorisation deadline on the 7th of November looming, we’ve spoken to a number of our contacts at leading buyside firms to establish whether or not this is ...

/regulation

Retired Member

Retired Member 

Operation Waking Shark 2

Operation Waking Shark 2 is due to take place in Britain in mid-November and although it may sound like something from an episode of Homeland, it is in fact a serious test of Britain’s financial services providers. Monitored by the Bank of England, Treasury and the Financial Conduct Authority, every major bank will be expected to put its ability to...

/security

Dan Barnes

Dan Barnes Writer at Information Corporation

News analysis: There is no 'B' in 'P2P'

The news that US financial services firms are beginning to use peer-to-peer or person-to-person (P2P) platforms as a method of reaching borrowers is a bit concerning. More worrying is that P2P loans are being sold on and securitised. Q: What is P2P lending? A: P2P platforms typically bring together individual lenders to invest in loans to individua...

/regulation /retail Future Finance

Dan Barnes

Dan Barnes Writer at Information Corporation

The risk of outsourcing credit checks

A detail sprang out at me in the recent investigation into Mizuho Bank’s accidental funding of organised criminals in Japan. The bank funded loans via an associated firm, Orico, which acted as the lender, and had in turn outsourced the background checks it ran on customers. It turned out the background checks had not picked up on the criminality o...

/regulation /retail Future Finance

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