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The Next Generation of Financial Services

I blogged last year about BBVA being the first bank to achieve a true Bank 2.0 solution for their customers and then yesterday about Wonga, a real webby disruption for loans.  Strangely enough, these two themes came together as an email dropped into my intray this morning announcing that Money Strands, the firm behind BBVA’s…

The Next Generation of Financial Services

I blogged last year about BBVA being the first bank to achieve a true Bank 2.0 solution for their customers and then yesterday about Wonga, a real webby disruption for loans.  Strangely enough, these two themes came together as an email dropped into my intray this morning announcing that Money Strands, the firm behind BBVA’s…

Wonga: another web disruption for loans

During the week, I enjoyed lunch with a venture capitalist who works with start-up firms that are innovating in financial services. One of the businesses he’s investing in is Wonga, another business that appears to be disrupting banks' business models in the same way as Zopa has been. I’d never heard of Wonga before, except…

Wonga: another web disruption for loans

During the week, I enjoyed lunch with a venture capitalist who works with start-up firms that are innovating in financial services. One of the businesses he’s investing in is Wonga, another business that appears to be disrupting banks' business models in the same way as Zopa has been. I’d never heard of Wonga before, except…

Wonga: another web disruption for loans

During the week, I enjoyed lunch with a venture capitalist who works with start-up firms that are innovating in financial services. One of the businesses he’s investing in is Wonga, another business that appears to be disrupting banks' business models in the same way as Zopa has been. I’d never heard of Wonga before, except…

The Card Awards: and the winners are …

I was at the Card Awards last night and a grand and lavish affair it was, with over 1,000 people noshing through a 3-course fine dinner (although it was held in a tent in Battersea Park!). It was the usual dickey bows and taffeta dresses affair presented by the very engaging John Humphreys, host of…

BaaS: Banking as a Service

Two weeks ago, I posted two items about why Banking will be free (Part One and Part Two), and this is Part Three in that series.  Banking as a Service (BaaS) is the new version of Banking using the Software as a Service (SaaS) business model.  You’re probably all familiar with SaaS – it’s basically…

BaaS: Banking as a Service

Two weeks ago, I posted two items about why Banking will be free (Part One and Part Two), and this is Part Three in that series. Banking as a Service (BaaS) is the new version of Banking using the Software as a Service (SaaS) business model. You’re probably all familiar with SaaS – it’s basically…

How would you market Windows 7?

This is a question posed by ars technica, who spotted that Microsoft are advertising for a Marketing Manager for the next generation of Windows: "Take a leadership role on the team that will bring Windows 7 to market. Be a part of the launch and sustain marketing for one of Microsoft’s most important products –…

Americans are making a Mint

Aaron Patzer, founder and CEO of Mint which helps consumers organise their financial habits and behaviours, has written a fascinating blog entry on Techcrunch about the impact of the global financial crisis on consumer spending habits. Apparently, since September, Mint's user registration rate has more than quadrupled reaching 900,000 people or 1% of US households,…

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