Why ALL banks will change core systems
There's a theme that keeps cropping up at most conferences I attend around the remodelling of banks. It came up again today in a discussion about data leverage at the Asian Banker Summit, and it...
View ArticleThe augmented economy
In the middle of my showreel, I talk about augmented lifestyles. I’ve talked about this for many years, but now it is becoming an augmented reality, especially with the launch of Google Glass. Google’s...
View ArticlePredictive, proactive, proximity based payments
After my discussion about the augmented economy which focused upon customer service, I thought about it from the other side: transactiosns. Many years ago, my technology firm made a play for banks to...
View ArticleFrom Bloomberg to Snoopberg
The shock news of the day, or not, is that Bloomberg’s reporters have been spying on their customers. Or that’s the suspicion anyway, and was kicked off by Goldman Sachs complaint that a reporter from...
View ArticleBanks designed for humans by geeks
I was going to move away from further debate about branch and omnichannel today, as there’s far more interesting stuff about Google giving payments away for free with Gmail and PayPal doing the same...
View ArticleI know, let’s differentiate the bank by launching an app!
It’s Friday, so we should have some fun. Unfortunately, it’s both a bit of fun and a bit of a challenge. The challenge is how to differentiate the bank? That’s always been a challenge. Most banks...
View ArticleHow do you secure yourself in an insecure world?
Just gave a presentation at the EFMA Conference this week on online insecurity, exacerbated by mobile hacktivists. I'm quite pleased with it, as it's newly refreshed material, so here it is. Efma, no...
View ArticleOmni-What?
Sometimes it feels like confusion reigns supreme when it comes to banking technology these days. We’re all guilty of it. The industry is moving fast and the amount of people involved in the industry...
View ArticleHow important is real-time?
This is a question that comes up more and more, and there’s an easy answer: it’s very important; and a harder answer: it’s not always important; and this is a key discussion in the context of immediate...
View ArticleWhen work and social life collide, we need social banks
One of the themes of my presentations of recent times is how technology has bridged the divide between work life and social life. This came up in force again, as we talked about the role of social...
View ArticleWhatever you think, Wonga is doing well
We hosted Errol Damelin, Chief Executive and Founder of Wonga as our keynote guest at the London Financial Services Club last week, to end our season of meetings for the 2012-2013 season (2013-2014...
View Article12,000 European consumers say mobile social banking is the key
I got a copy of a fascinating survey by ING yesterday on mobile social banking. The survey asked 12,000 people in 12 countries in Europe about banking in the digital age, and here’s their summary of...
View ArticleClik here to view.
Delayed Thoughts On Finovate Spring And The State Of Financial Innovation
This is the transcript of a recent presentation I delivered entitled: WTF? So – WTF? Let’s get started. WTF? of course, stands for ‘What The Finovate?‘ It’s not often I start a presentation with a...
View ArticleClik here to view.
What Inspires Financial Services Innovation?
What Inspires Financial Services Innovation? What drives us to make things better? Why do we push harder to improve a process, a customer journey, to make continuous tweaks to our application...
View ArticleClik here to view.
There Will Be Blood: The Era of Engagement Banking
This piece originally posted as part of American Banker’s BankThink two week series on the Future Model of Banking. Join the series contributors in discussing the types of products and services...
View ArticleWhy I hate Dell (and thousands of other people feel the same way)
I wasn’t going to post this on the blog, as it has nothing to do with banking, but it’s August and no-one’s bothered what I post. It does also have some relevance as I blogged yesterday about banks...
View Article61% of US internet users bank online
Pew Research is always producing interesting reports, but this one specifically caught my attention this week: 51% of US adults bank online. Over half of Americans are banking online or, if you...
View ArticleClik here to view.
The Future of Financial Services (In A Mobile World)
During this year’s NetFinance conference in Phoenix, I participated in Digital Management Inc.’s closed session with seventeen financial industry experts to discuss the impact of digital and mobile...
View ArticleBob Diamond launches a new stock exchange
I was surprised to read this morning that the former leaders of Barclays (Capital) Bank are launching a new European stock exchange. Apparently Rich Ricci and Bob Diamond – the former CEO of Barclays...
View Article