For most of my life, I’ve been aligned to the financial services industry as a supplier of technology. Throughout this time, my role has been as a solutions person, providing technologies that solve financial processing problems. And, throughout this time, I’ve dealt with technology companies that struggle with moving from being horizontal to vertical, from…
What’s hot in tech in 2012 is a continuation of what’s hot in tech in 2011: cloud, smartphones, tablet PCs, contactless mobile and more. Rather than just repeating all that again, let’s be more specific: Contactless mobile will reach a tipping point in retail payments Social media will become a core communications tool PFM, combined…
What’s hot in tech in 2012 is a continuation of what’s hot in tech in 2011: cloud, smartphones, tablet PCs, contactless mobile and more. Rather than just repeating all that again, let’s be more specific: Contactless mobile will reach a tipping point in retail payments Social media will become a core communications tool PFM, combined…
Yesterday, we talked about the economic outlook for 2012. What about the banking outlook? Well it’s also challenging, with five clear things happening: Regulatory change will still be high on the agenda Investment banking will get a radical overhaul Clearing and settlement will become a much bigger focus Reconstructing distribution will be a big challenge…
Yesterday, we talked about the economic outlook for 2012. What about the banking outlook? Well it’s also challenging, with five clear things happening: Regulatory change will still be high on the agenda Investment banking will get a radical overhaul Clearing and settlement will become a much bigger focus Reconstructing distribution will be a big challenge…
You can sense an audience’s reaction as you present ideas on innovation. Sometimes its warm and engaging, sometimes distant and thoughtful, and occasionally remote and cynical. I experienced all three reactions last week when presenting at a bank’s annual leadership conference, with the third being the reaction I like the least but enjoy debating the…
You can sense an audience’s reaction as you present ideas on innovation. Sometimes its warm and engaging, sometimes distant and thoughtful, and occasionally remote and cynical. I experienced all three reactions last week when presenting at a bank’s annual leadership conference, with the third being the reaction I like the least but enjoy debating the…
Talking about the St Paul’s protesters yesterday, you do wonder if they maybe have a good point or two to make. Like their American counterparts, I’m sure they do but unfortunately it’s all a bit loose and airy-fairy, with a mixture of happy-clappy hippies, anarchistic anti-capitalists and an articulate few who can say it’s all…
Talking about the St Paul’s protesters yesterday, you do wonder if they maybe have a good point or two to make. Like their American counterparts, I’m sure they do but unfortunately it’s all a bit loose and airy-fairy, with a mixture of happy-clappy hippies, anarchistic anti-capitalists and an articulate few who can say it’s all…
Thinking more about componentised versus integrator banks leads to an interesting dialogue that started way back for me. Fifteen years ago, we were grappling with bank models and structures and talked a lot about whether banks could be integrated retailers, processors and manufacturers of financial services or should they be specialised. Then the book The…
