Payments with mobile devices has exploded. 2014 was a year of huge and rapid change and the first quarter of 2015 has not disappointed. Impactful events like the Consumer Electronics Show (CES) and Mobile World Congress (MWC) have delivered a slew of significant announcements. So, amid the foray, what have we learned?
Major players vie for US... read more
As a leading outsourcing partner and operations consultant to the FinTech world in the US, I get to speak with a lot of very interesting companies spanning many niches. It continues to amaze me how well envisioned, executed, and value laden many of these new offerings are. It is exciting to anticipate a future state, of personal finance in... read more
As companies - alongside customers and governments - do more business online than ever before, they not only enjoy the benefits of the digital world, but they also are exposed to its threats. Aside from high-profile breaches covered in the media – from Targets to Sony – organisations are actually under constant attack. As an example,... read more
The payments industry is changing. The way customers shop, increasing technological innovation, fierce competition from new 'non-bank' entrants, new regulation and burgeoning investor interest from venture capitalists and other financiers are just some of the factors changing the sector. And at a pace perhaps never seen before.
This,... read more
Pensions are dead simple; they are a 60 year deal where money goes in for 40 years and gets taken out for another 20 – Decumulation refers to that joyous part of the pension journey where you switch from putting money in to taking it out.
In the good old days when patterns of employment were more straightforward and employers more... read more
The sinister-sounding ‘shadow banking’ sector may conjure notions of secret accounts and underhand transactions, but it’s in fact a legitimate industry now worth a staggering $75 trillion.
But this somewhat opaque market is moving into the spotlight amidst calls for greater regulation – and warnings that it may pose a... read more
Taking Lessons from Retail Banking to Enable Commercial Clients to Bank Wherever, Whenever
The Digital Banking Revolution
Over the past decade, the banking industry has witnessed a revolution. Ten years ago, the idea that consumers could manage their bank accounts, send money to a friend or pay their bills with the tip of their finger was... read more
As a former FinTech senior executive turned operations-outsourcing leader, I am in the slightly rare position of being able to challenge management thinking in my former business with insights from my new one. I am fortunate in that my position in a more collaborative business world - that of start-up tech on Silicon Beach - brings me in touch with... read more
Many, many, many moons ago I started my career in the City in the back-office of a US investment bank. Part of my daily duties back then was to ensure that the client confirms, that were dispatched by post to clients, matched the dealing tickets from the previous day. Each day I would start with a pile of 100 dealing tickets and a pile of 300 trade... read more
‘Cloud computing’, a phrase first used by Google's Chairman Eric Schmidt in 2006 to define the provision of remote access to technology-based capabilities over a network, is now a commonplace IT term. It is estimated that nearly 40% of the information in the digital universe will be in the cloud in some capacity by 2020, while... read more