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Innovation

Massive innovations in payments … not?

Just been through a meeting on payments and all areas of payments from SEPA to Basel III, corporates and trade, risk and liquidity, innovation and change and more. My role was to talk about all things that I see as innovative in payments right now. That’s a long list and so, in the interests of…

Innovation and risk: creating 1,000 mph car

We had a fantastic meeting of the Financial Services Club last night. It was the close of our 2010-2011 season of meetings, and therefore slightly racier subject matter with Richard Noble, OBE.  Richard is an inspirational character and the driving force behind Britain’s land speed record winning cars: Thrust2 and Thrust SuperSonic Car (SSC). Richard…

Richard Noble1

Why innovation is so difficult in banks

I said yesterday that the other topic that keeps coming up is innovation. Innovation is something that comes and goes in banking like Chief Executives and Heads of Risk … as in it appears and disappears pretty often. During the build up to the financial crisis, innovation was everywhere. Then it disappeared for a while….

Why innovation is so difficult in banks

I said yesterday that the other topic that keeps coming up is innovation. Innovation is something that comes and goes in banking like Chief Executives and Heads of Risk … as in it appears and disappears pretty often. During the build up to the financial crisis, innovation was everywhere. Then it disappeared for a while….

How banks should think about technology and innovation

In a recent speech at the Financial Services Club, JP Rangaswami talked about “How banks should think about technology and innovation”.  JP Rangaswami is Chief Scientist at Salesforce.com, author of Confused of Calcutta, and one of the most innovative technologists around (full bio at end of blog). It proved to be an incredibly popular session, with…

JPRangaswami

If you innovate, I will follow

Sometimes I get into a rant, and I got into a bit of one at Finovate. It was during the lunchtime session, and a banker said to me that they liked all the presentations during the morning but wouldn’t be doing anything about it. “Why not”, I asked. “Oh, because these guys are all showing…

Innovation has nothing to with technology

It intrigues me how often we have a conversation about innovation, and everyone starts talking about new technology. “Oh, have you seen our iPad app, it’s really hot.” “Sorry, but our Android apps beat that hands down, and Android is hot today.” “Yea, Android is hot today but forget all of those things. You need…

The best of innovation in finance: #finovate

I was at the Finovate meeting in New York last week. Finovate is a financial innovation show that originated in 2007 as the brainchild of Jim Bruene of NetBanker and Eric Mattson, CEO of Online Financial Innovations, the parent company of NetBanker, Online Banking Report and the Finovate Conference Series. If you’re not familiar with…

Why payments innovations are rubbish!

Here's my latest retail payments focused presentation.  It's premise is that there's loads of innovation out there, with micropayments and iPhone apps being hotbeds of innovation for developed economies whilst microfinance and 2G GSM messaging being creative fields for developing economies.  However, all of these innovations are just froth on the cake of the payments…

Why Heads of Innovation are actually Bottoms

Over the past year, most of the banks I deal with have dropped the word ‘innovation’ from their mantra. It’s strange but true that the focus upon being innovative had been such a focal point during the 2000s and now it’s all over. To illustrate the point, the Top 10 American banks used the word…

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