Insights

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How BBVA is leading the Open Innovation revolution

4th April 2018

Company: bobsguide
The big banks are besieged on all fronts by challengers baying for change and pushing for disruption. It leaves the likes of Barclays, RBS, HSBC and Santander with two options: innovate or sink. But fending off agile challengers whilst keeping the massive, cumbersome business-as-usual leviathan going is no easy feat let alone being proactive in... read more
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Creating efficiencies and reducing operational risk with an investment book of record

3rd April 2018

In a recent bobsguide article we discussed the changing role of the buy-side middle office. An increasingly critical middle office function is delivering accurate and timely position data to the front office and ensuring redundancy with outsourced back-office services. This article discusses the operational, regulatory and competitive drivers... read more
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Is Ripple a threat to SWIFT gpi's monopoly on cross-border payments?

3rd April 2018

Company: bobsguide
SWIFT gpi has taken the correspondent banking world by storm with about 11,000 banks in the SWIFT network. However, Ripple is said to offer superior technology and data to SWIFT. While many argue it is not a case of SWIFT versus Ripple, but a matter of which technology better serves clients, others seem to decisively take sides. Ripple is... read more
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BEPS, FATCA, and codes of conduct… oh my!

3rd April 2018

Company: GlobeTax
Imagine a world where you have to walk a long and winding road of complex, interlinked informational requirements just to optimize tax. A world where failure to tackle those stringent demands in the right way could result in fines and lawsuits for abuse of treaty or tax arbitrage. In other words, imagine a world where the Yellow Brick Road does not... read more
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Editor’s picks: the financial industry’s response to GDPR

2nd April 2018

Company: bobsguide
In which department does GDPR sit? How will GDPR affect me? What happens if I’m breached? What are the fines? No, really, what are the fines? Thus reads the internet history of any number of data protection officers in the financial industry. May 25th, implementation day, is 56 days away. As part of our ritual (and sadistic) reminders,... read more
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Who will change first – banks or their customers?

29th March 2018

The customer is often considered king, but it’s debatable how many organisations embrace this perspective. Of course some are better than others, and the most successful enterprises constantly adapt to meet evolving customer expectations. Those that have followed this key business rule have come to redefine and raise the standard of customer... read more
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How Brexit will shape the payments landscape

29th March 2018

Company: bobsguide
Brexit stunned financial markets. As regulators in Paris were in the midst of establishing the largest set of rules to define European markets ever - in the second Markets in Financial Services Directive (Mifid II) - the UK’s determination to leave the European Union caused uproar across the continent, raising a multitude of questions for... read more
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Banks are not the answer: How blockchain can bank the unbanked

28th March 2018

Company: Veridium
With the number of mobile phone users in the world expected to pass five billion by 2019, one would think that, regardless of geography or economic status, every adult would be granted the same services, applications and opportunities. Yet, one major service that is not universal is access to affordable, quality banking. But what may come as a... read more
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Cash flow forecasting – more than just safeguarding liquidity

28th March 2018

“We don’t need cash flow forecasting” – statements like this are frequently heard at companies with significant cash reserves. They often highlight concerns about major internal expenses as capturing the relevant data can tie up significant resources. Modern cash flow forecasting, however, is about far more than... read more
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Why blockchain won’t save payments…yet

27th March 2018

Company: Hyperwallet
It seems like we can’t go a single news cycle without a dozen or so articles outlining the catastrophic plunge or meteoric rise of any one of the hundreds of cryptocurrencies now flooding the market. While it’s great to see innovation in the financial arena, I can't help but wonder: should the payments sector really be a place where... read more