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Case Studies

A quick check on social banking in Britain

First Direct

I’ve written lots about USAA and First Direct as leaders in new media.  Both are financial firms without branches and both are loved by their customers.  The key thing that differentiates both institutions is that they recognise they exist as a remote engagement and hence truly understand the art of …

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The state of RBS: a ghost of banking past

1375427851-363

Just been reviewing the results of Royal Bank of Scotland and, unsurprisingly, it’s the ghost of banking past. Royal Bank of Scotland (RBS) has reported its sixth annual loss since it was rescued by the UK government in 2008.  The bank's pre-tax loss for 2013 was £8.2 billion  (£5.28 billion in …

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The state of RBS: a ghost of banking past

1375427851-363

Just been reviewing the results of Royal Bank of Scotland and, unsurprisingly, it’s the ghost of banking past. Royal Bank of Scotland (RBS) has reported its sixth annual loss since it was rescued by the UK government in 2008.  The bank's pre-tax loss for 2013 was £8.2 billion  (£5.28 billion in …

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Why you might love Goldman Sachs

It’s over five years since the Global Financial Crisis (GFI) began, and the regulators woke up to the fact that a small number of banks had become Systemically Important Financial Institutions (SIFIs). Ever since, the powers that be have been working to prune, reshape and restore confidence in the system …

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Why you might love Goldman Sachs

It’s over five years since the Global Financial Crisis (GFI) began, and the regulators woke up to the fact that a small number of banks had become Systemically Important Financial Institutions (SIFIs). Ever since, the powers that be have been working to prune, reshape and restore confidence in the system …

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Are you a complete Wonga?

Womga

Today’s news in Britain is all about payday lenders once more due to a grilling of Wonga in front of a Parliamentary Committee yesterday. It’s amazing the emotions such lenders activities ignite. They make politicians and the media angry because they charge high interest rates … and yet they make …

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