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In honour of Canada Day today, I fell to thinking about how mobile payments may be able to help folk lead happier lives, for instance by providing more opportunities to enjoy things exactly the way we...
Why Is MasterCard Investigating Digital Currencies like Bitcoin? From Capitol Hill to the United Kingdom Bitcoin Comes Under Fire Federal records indicate that MasterCard has been paying lobbyists t...
The introduction of call centres and then the fashion for off-shoring call centres in the 1990s can be considered to be occasions when many banks failed to replicate the customer experience they provi...
Rising prosperity and urban growth has had a profound effect on the global economy. Whilst there remain significant disparities in income, the middle class is swiftly expanding, particularly in Asia,...
Leap seconds are added when the drift between atomic time and that based on the earth’s rotation approaches one second. While atomic time is fixed and precisely measured and monitored, the rotation of...
After World War II, the countries that were deeply engaged in war, whether or not they suffered major damages, are the ones progressing the most today. The pain of war and the possibility of its rec
Britain’s next generation challenger bank has just received a banking license. Atom aims to take 8 million of the 64 million accounts in the UK, for which purpose it has secured £25 million of invest...
Preface: Several tens of Challenger Banks are coming to change the Financial Services landscape in the UK. If you’re a banking consumer that is not in our oh-so-controversial Financial Services ind
The glaringly average record on regulatory compliance front is beginning to be bugbear for banks. While the big banks usually are well equipped to take the onslaught of the ever changing regulatory re...
Pensions are back in the headlines and flavour of the month online. In March 2015, Google Trends in the UK saw a spike in the number of searches for 'pensions' and related terms, as the deadline for r...
The D-day for UK pensions has arrived. On April 6th 2015, alongside the usual scramble to capture personal ISA allowances, new UK pension reforms came into force affecting arguably the most important ...
Going forward banks will have an increased focus on improving profitability. While bank profits have exceeded historic profitability rates, return on equity (ROE) is still low compared to the years pr...