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Innovation in Financial Services

A discussion of trends in innovation management within financial institutions, and the key processes, technology and cultural shifts driving innovation.

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

My e-Journey - over 40 years. Part 7. Ladders galore

An often repeated experience on my journey has been that one thing leads to another, which leads to another and so it goes. You may have a hunch about what these may add up to - but seldom a very clear picture or a plan. So get going - and start with what many need often (preferably same logic, user experience and tool) at home and at work - and ke...

/payments /retail

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

My e-Journey - over 40 years. Part 6. Towards a new e-world

I have a few more parts in mind. Candidates - time permitting - include: Ladders galore, Productivity impact high level evaluation, Life events as starting point for service design, Single Market leap, Sustainability impact and Leadership observations. Lesson learned: Writing may help you to use what has been done right and what failed when looking...

/identity /predictions

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

My e-Journey - over 40 years. Part 5. Mobile rungs in the ladder and Mobey Forum

The first rung in the mobile services ladder was the word syntheziser for pushbutton telephone payments created in -82. Once mobile phones - the next rung - started to appear you could use them to make wireless payments. An advertisement has a man sitting on the ice - fishing with a bulky Nokia drag-around mobile phone next to him. The next rung ...

/payments /retail

Bo Harald

Bo Harald Chairman/Founding member, board member at Transmeri, Demos, Real Time Economy Program,MyData

My e-Journey - over 40 years. Part 4. Going Nordic

Banking in Finland was hit very hard by an economic recession of unseen proportions in the early 90s. One unfortunate aspect was that local banks before that had hastily been deregulated and massed into commercial lending without the needed experience. This might still have been manageable - but the unrealistic attempts to keep the Finnish Markka ...

/payments /retail

Dmitry Dolgorukov

Dmitry Dolgorukov CEO at GiniMachine

5 Trends To Transform Your Lending Business In 2023

The past couple of years have been marked by uncertainty both in the financial industry and beyond, with a shift toward remote working, digital-first strategies and a growing e-commerce industry—increasing from $3.46 trillion in 2019 to $5.7 trillion in 2022. For lending organizations, this means that the way business is conducted has changed sign...

/retail /markets

Chris Hopwood

Chris Hopwood Founder & MD at FS Partnership

Why now is the time to strengthen marketing activity

A wise man once said: “If I was down to my last dollar, I’d spend it on public relations.” It’s a quote often attributed to Microsoft founder Bill Gates, though there’s some debate over whether he actually said it. Whatever the truth, it’s fair to say the comment has become a marketing world urban myth with origins dating back more than a decade. ...

/startups /predictions

Steve Morgan

Steve Morgan Banking Industry Market Lead at Pegasystems

What is holding banks back from great sales and service?

In this tough economic climate, there’s no doubting that customers are looking for ways to minimise expenses wherever possible against the rising costs of living. Banks have a key role to play in supporting consumers and especially those most vulnerable who are struggling to afford basics such as rent, energy and food. People don’t forget poor se...

/payments

David Brown

David Brown Founder & CEO at Hi

How flexible pay can boost UK's productivity

The UK economy is struggling amid a cost-of-living crisis with millions of households in economic hardship. The change of leadership with the appointment of Rish Sunak as prime minister has raised discussion on how the economy can be kickstarted. An area which has been highlighted is the UK’s low productivity levels. Nothing is more important to a ...

/payments

Anthony Walton

Anthony Walton CEO at Iliad Solutions

ISO20022: global messaging standard takes centre stage at Sibos

Since its launch more than 40 years ago, SWIFT’s international banking operations seminar (Sibos) has become renowned as the go-to gathering for anyone seeking to understand the latest developments in financial services. And this year’s event in Amsterdam between October 10 and 13 didn’t disappoint. Understandably, digital innovation was high up ...

/payments /sibos

Niall Haughey

Niall Haughey Founder at To Graze Limited

P2P Greeniums in the Agriculture sector

Peer to Peer or P2P models in Fintech were one of the earliest to take hold post Financial Crisis. Some companies flourished and some got stuck. The asset base of Agriculture lends itself quite well to a collateralised P2P model and there are some excellent examples in the sector to consider: Acre Trader in the US have created an entire category a...

/sustainable /startups

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