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Will mobile carriers really leave the business of banking to banks?
I find it funny to think about the lengthy discussions of mobile that takes place these days at all the banking and payments conferences I go to. The banks talk about a mobile payments ecosystem and how they have to work closely with carriers, handset manufacturers, retailers, merchants and more to achieve share of this…
How the new bank will win
In the last of my explorations of building a new bank, here's why the new bank will win. One of the biggest things that constrains existing banks is their past. They were created over a century ago to manage retail transactions in branches over the counter with human tellers and, to a large extent, this…
Creating a cool and fair bank
Interesting reaction to yesterday’s kick-off about a new bank, with the responses being in three buckets: where’s the customer focus, how are you going to make money and what about the small business (SME) client? I’ll address those through the week, but want to start with the first as it strongly relates to culture. The…
PPI vultures and ambulance chasers
No sooner does the BBA announce that the banks will not fight the PPI battle, resulting in calls for recent FSClub keynote guest Angela Knight to resign as it could cost the industry up to £8 billion, than the vultures appear with one-page ads in the UK national newspapers … … nothing like capitalising on someone…
Customers need coaching, not channels
Building on yesterday’s blog, I was talking today about how banks deliver new channels to customers today. It is often not the best, as referenced earlier this week with the cumbersome way mobile apps turning customers off due to the way a bank delivers such service. If security, sign-on and opening of the new channel…
There is no revolution in banking
I think I had one of my unusual spouts of cynicism yesterday when, after realising that mobile and contactless and social is all the rage in banking, none of it is really hitting the mark yet. And, for all the talk about revolutions in banking, new models of banking, new ways of banking, new players…
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