Just checked out Safaricom's results presentation for the first half-year 2009-2010, and found some interesting slides on M-PESA: Fascinating results … especially as Safaricom were not the instigators of M-PESA. At the start, they could not commit to a risky project of this nature with resources and so Vodafone brought in a…
After various predictions yesterday, including the return of Glass-Steagall and a Chinese bank buying an American or European one, today it’s the turn of technology. There are lots of questions about technology, such as: Will Google make us stupid? Will we live in the cloud or the desktop? Will social relations get better? Will the…
It's Christmas. Stop reading about banks. But if you really want to read something then here's one last story for the year, courtesy of the Sunday Times: Market-research firms such as Nielsen, Barb, Rajar and the Internet Advertising, along with stats from Google and Amazon, have identified the following lifestyle habits in Britain on Christmas…
Just stumbled across the website Lendify – a tracking system for lending on Zopa UK, the P2P social lending service. Here's the chart for the last 28 days (doubleclick to enlarge): And here are the numbers: Wed 23rd DecemberTotal Offered £1,784,930 (+£178,090) 7 Day Demand £3,677,500 (+£150,400) Avg Lender Rate 11.1% (-0.08%) Tue 22nd DecemberTotal…
Nothing to do with banking except that, as readers know, I am fascinated by how technology changes our lives and particuarly our relationship with each other and with our money. Right now, the biggest innovation appears to be the iPhone and iPhone apps. Only two years old, the iPhone has stormed the world and Apple…
After the Fat Cat Cash Back internet game comes Bailout Wars, the iPhone App. Here's a brief review: The basic idea is you're defending the white house from five different types of bankers all intent on stuffing their pockets full of the bailout money which is somehow bursting out of the windows of the White…
I love Google's predictive texting, which often finishes my search idea before I get to the end of typing. It's also quite informative about what's on people's minds. For example, as you start typing: "why do bank", you get a list of the most popular things people are asking about banks: Why do banks…
I was just writing a paragraph about mobile for a client's report, when I realised what I had written: This year has seen dramatic innovations in mobile usage, such as those of the Bank of America in the USA. According to Doug Brown, SVP at Bank of America responsible for their mobile banking channel, they…
I’ve had a couple of good debates in the last week or so about the value of real-time everything. Everything is instant, immediate, no waiting, it’s real-time. We expect instant gratification in everything we do and, any waiting, it’s click and delete. Case in point: the PC gets stuck. How long do you wait before…
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