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Big data belongs to next generation of data warehousing and Business analytics and it is capable to deliver high ROI for organization. Ten years before, we were not using the same amount of data what ...
The Not So Far East: Asia, the Next E-commerce Frontier With retailers around the globe concentrating their attention on Asia as the next frontier, many make the mistake of focusing too heavily on Chi...
Since the 2008 financial crisis, the banking community has found itself transported into a new reality, with ongoing regulatory change now becoming, more regular, more concurrent, and more extensive, ...
The final compromise text for the EU Payment Services Directive 2 (PSD2) has now been published and is unlikely to change substantially when passed as legislation, probably in September this year. So...
Digitalization transformed customer behaviors and their expectations from banking; this forces us to change the way we do marketing. As a result of this transformation, Customer decision journeys have...
The issues of deficits and debit provoked occasionally heated exchanges during Britain’s recent election campaign. One objective the rival manifestos all shared was in identifying areas ‘to reduce bac...
Personal financial management (PFM) applications should be one of the hottest topics for banks in Asia today. Mint.com has more than 10 million users. That is an enormous number and it proves that cus...
While we all wait to learn the final terms of Apple Pay for UK participants, I would like to speculate on the choices available to Apple. Apple takes 25 to 15 basis points out of the 1.25% fee that US...
The data regulation landscape is changing rapidly. Recent research found that in 2014 data breaches increased by 49% with more than a billion data records stolen or compromised - that’s 32 records lo...
...and I loved it. Payments professionals from a wide range of geographies gathered in Barcelona for Nacha’s Payments Innovation Alliance last week. The main topics of conversation centred on real-tim...
Josh was in high spirits, trading had been good that day. He had downloaded an algo app overnight that allowed him to arb Google dollars against Apple iCoins. It was no longer any use, of course, as b...
In banking we have moved from talking about ‘online’ to using the word ‘digital’ as a common descriptor. The explosion of connected devices has been a key driver, and the take up of mobile devices amo...