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Mobile devices already reached brought us a reality where it became the key. The intimacy of mobile devices has come to a high pitched state that we have never seen. For the majority of people, mobile...
Post financial crisis, FS institutes are mainly focusing on improving cost income ratio (reduce cost base), leverage ratios (improve quality of assets and comply with regulations) and return on equity...
The Financial Services industry is gearing up for the impending arrival of two new EU regulations – the Payment Services Directive (PSD2), otherwise known as Open Banking, and the General Data Protect...
Ten years ago, the Bank of England interest rate sat at 4.75% Now? Now it sits at the unhappily low rate of 0.25%. To put this in perspective, on a £150k mortgage over 25 years, today’s payment would ...
It’s well known that the main trends currently driving change within the technology sector are the cloud, internet of things, mobility and big data analytics. While advances in digital business are si...
Have you heard the news? In an ongoing attempt to fight back against those wishing to do financial harm to their customers, Mastercard is beginning a trial of a card which has a chip, along with a fin...
You have surely heard of Instagram, the photo sharing social network, but what about “Finstagram?” If you are like most parents, you have rules about the social media practices of your kids. However, ...
Being customer obsessed We are in the age of the customer. A single tweet takes 22 minutes to go from insignificant to global, seen recently with Delta Airlines whose reputation was annihilated on so...
Those of us who remember the good old days will recall the industry debate as to how much dark liquidity was really in existence. In one corner were the exchanges who, through FESE, claimed that the a...
May 2018 will see the introduction of the General Data Protection Regulation (GDPR). The law covers organisations that employ over 250 people, and that either service EU citizens, or who store people’...
Except for people at Fintech Meetups or students at business schools, no one actually thinks banking is “cool”. For them, it earns money – yes. It is necessary - yes. But cool? NO. The average citizen...
It’s easy to think that Public API’s are just about regulation, such as PSD2 in Europe, driving open banking. Certainly regulatory driven open banking will force banks to have Pubic API’s, but they ar...