I’ve recently seen so many articles about branches and branch closures that it’s worth a blog post, just to keep up with the issue. The first thing that came out was the recent European Central Bank (ECB) data detailing bank statistics over the past few years. From analysing this data, Reuters found that there has…
Continuing on yesterday’s theme, I’ve written often about the fact that I do not believe in a multichannel or omnichannel strategy, just a strategy of how to deliver augmented service to the customer at the point of relevance. For me, that is a digitised delivery of service, proactively via my mobile today and soon my…
So I just finished presenting as keynote at CeBIT Australia’s Future of Payments conference, when the day was completed by a start-up challenge (you have a lot to answer for innotribe!). The prize on offer was a free stand at the main CeBIT conference for the winning entry, and five firms were given just seven…
Building upon yesterday’s discussion – where your product is a username, your processing is an API and your customer engagement is just an app – I was talking to a bunch of banks and new entrants about Big Data opportunities today and realised ONE BIG THING. Banks need to start making strategic decisions before it’s…
What happens when your product is a username, your processing is an API and your customer engagement is just an app? It’s a question I’ve been playing with for a long time now: BaaS: Banking as a Service, February 2009 The future competitive battleground, November 2011 Why all banks will change core systems, April 2013…
What happens when your product is a username, your processing is an API and your customer engagement is just an app? It’s a question I’ve been playing with for a long time now: BaaS: Banking as a Service, February 2009 The future competitive battleground, November 2011 Why all banks will change core systems, April 2013…
This week I’m travelling across Asia, soaking up the changes and developments here. What’s intriguing is the first debate is about the ASEAN economies and how they are adapting to change. The speaker is a highly respected Professor and Economist, and he talks about how the world is changing from a US-axis focus to a…
It’s strange that I write yesterday about the issue of getting customers to commit to mobile as their primary bank account, and the next day we host a meeting in Warsaw that talks about innovations from Moven to Fidor, Simple to mBank and the reaction of some of the audience is: oh, it’s alright for…
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