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2012: little to celebrate in the City
As we’re in the final countdown to the end of year celebrations, it’s a good moment to reflect on what’s happened in 2012 in banking. If 2010, the mantra was all about banker’s bonuses, bank governance and bank risk; and 2011 was more about bankers not giving a damn about their customers or society; 2012…
Card fees: Skinner is talking a load of ****
Unsurprisingly, my Friday blog entry got some backlash on twitter and through direct comments on the blog itself. The original blog entry proposed that people do not want transparency, as unbundling costs makes them angrier than if they are bundled. The feedback tells me that's not quite right: Simon Deane-Johns, aka Pragmatist, says that the…
Card fees: Skinner is talking a load of ****
Unsurprisingly, my Friday blog entry got some backlash on twitter and through direct comments on the blog itself. The original blog entry proposed that people do not want transparency, as unbundling costs makes them angrier than if they are bundled. The feedback tells me that's not quite right: Simon Deane-Johns, aka Pragmatist, says that the…
Why transparency is NOT the solution
We had a good debate this week about the future for multilateral interchange fees (MIFs) amongst the card companies. The argument made for change by regulators appears to boil down to that the card operators and issuers are ripping off customers by taking percentage fees opaquely. These fees are applied throughout the process, and the…
Why transparency is NOT the solution
We had a good debate this week about the future for multilateral interchange fees (MIFs) amongst the card companies. The argument made for change by regulators appears to boil down to that the card operators and issuers are ripping off customers by taking percentage fees opaquely. These fees are applied throughout the process, and the…
Why is he still SIR James Crosby?
Two journalistic heavyweights – Patrick Hosking in the Times and Financial Services Club friend Ian Fraser - have highlighted a number of questions that the Treasury Select Committee should ask Sir James Crosby, former Chief Executive of HBOS (now Lloyds), today. Sir James will be appearing in front of the Treasury Select Commitee at 3:30 GMT…
Why is he still SIR James Crosby?
Two journalistic heavyweights – Patrick Hosking in the Times and Financial Services Club friend Ian Fraser - have highlighted a number of questions that the Treasury Select Committee should ask Sir James Crosby, former Chief Executive of HBOS (now Lloyds), today. Sir James will be appearing in front of the Treasury Select Commitee at 3:30 GMT…
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