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Do you believe in the cybersecurity of your bank?

  • Author: Douglas Blakey
  • Published: 10 Feb 2017

And do banks believe in their own cybersecurity?. read more

Finovate Europe 2017: Three ways fintech could replace you

  • Author: Patrick Brusnahan
  • Published: 8 Feb 2017

With advancements in fintech becoming ever more frequent, people worry that banking could lose the human touch. Bankers should not be the only ones worried as many of the offerings on show at Finovate Europe this year could replace anyone of us. Here are a few examples.. read more

Will banking customers chat with chatbots?

  • Author: Patrick Brusnahan
  • Published: 8 Feb 2017

Banks are constantly attempting to bring the human touch into the digital realm through services such as video banking and online messaging. These involve a human on the other side, but with developments in artificial intelligence, this may no longer be required. The result is chatbots. read more

Santander’s performance signals good things for European banks

  • Author: Douglas Blakey
  • Published: 1 Feb 2017

A modest two hearty cheers for Santander’s full year results.. read more

Sad but inevitable closure of the Airdrie

  • Author: Douglas Blakey
  • Published: 20 Jan 2017

Let me take you to Bellshill. Yes, Bellshill. For the uninitiated, it is a rather splendid, proud, down to earth (all right-it can be pretty rough) town 10 miles to the east of Glasgow and 37 miles to the west of Edinburgh.. read more

Will Corbyn’s proposed wage cap affect bankers?

  • Author: Patrick Brusnahan
  • Published: 11 Jan 2017

Leader of the Labour Party, and of The Opposition, Jeremy Corbyn has set out plans to curb boardroom pay. read more

Idea Bank leads the shift towards tailored pricing

  • Published: 11 Jan 2017

Idea Bank’s decision to offer car loans where the repayments vary in line with monthly mileage will lead to increased market share for the Polish provider. Flexible pricing will prove especially attractive for those with irregular driving patterns.. read more

Starling’s flying PR coup

  • Author: Douglas Blakey
  • Published: 11 Jan 2017

Well done to UK digital start-up Starling Bank for capturing some prize PR just prior to the Christmas break with news that it was investigating the possibility of delivering customers’ debit cards via drones.. read more

What will 2017 bring to banking?

  • Published: 22 Dec 2016

Experts from the retail banking and financial services industry review the primary talking points of 2016, but as thoughts turn to 2017, what will be the industry’s key growth drivers of tomorrow and beyond? Will the challenger banks take more of a market share? Will innovations continue to surprise us?. read more

What a year that was- here’s to 2017

  • Author: Douglas Blakey
  • Published: 13 Dec 2016

Making forecasts for the New Year is fraught with danger: 12 months ago for example one would not have predicted Brexit or the election of President Trump.. read more

2017: £4bn fines, on-boarding challenges and fintech regulation

  • Published: 12 Dec 2016

Mitek’s Head of EMEA, Joe Bloemendaal makes three predictions for 2017 around the various challenges to be faced by the retail banking sector. read more

Leveraging the customer experience from the 20th century

  • Published: 12 Dec 2016

What should retail banks be doing to improve the in-branch customer experience? Is digital the standalone platform of the future or can it be successfully integrated into the retail branch experience? Richard Broadbent general manager of banking at Wincor Nixdorf UK writes on the developments in the industry. read more

Cash’s loss is digital’s gain in India

  • Author: Patrick Brusnahan
  • Published: 12 Dec 2016

The cancellation of INR500 ($7.50) and INR1,000 has highlighted India’s lack of digital financial options.. read more

Italy: urgent need for banking consolidation

  • Author: Douglas Blakey
  • Published: 9 Dec 2016

Well the market has responded fairly calmly to the Italian referendum result: in the end, for once this year in a major poll, the pollsters got one right and the government duly lost.. read more

No one likes an empty promise

  • Author: Anna Milne
  • Published: 9 Dec 2016

Given that Atom Bank’s app was underwhelming to say the least at launch, what to expect from the latest announcement that they are to start offering in-app mortgages. It’s the latest trend among banks, both traditional and challenger, with Santander and Nationwide having already proffered such services and Atom now following suit.. read more

Without insight into your digital sales process, your marketing budget is going to waste

  • Published: 5 Dec 2016

The past few years have seen retail banks start to successfully integrate digital into a continuous omni-channel experience for customers across marketing, selling, and delivery of their products. With the internet continuing to make inroads into almost every aspect of our daily lives, the need for this integration – and the opportunity it presents – is obvious. Don Bergal of Avoka writes. read more

RBC posts record annual earnings; Scotiabank beats Q4 forecasts

  • Author: Douglas Blakey
  • Published: 30 Nov 2016

Canada’s largest bank by assets, Royal Bank of Canada (RBC) has reported record earnings of C$10.46bn ($7.82bn) for the 12 months to end October 2016, up by 4.3% year-on-year driven by the strength of its diversified business model.. read more

Bots as bankers?

  • Author: Douglas Blakey
  • Published: 29 Nov 2016

Increased customer satisfaction, improved quality in bank processes, cost reductions and promotion of banks’ perception as innovation leaders: that sounds like a winner – and all goals that can be achieved via advanced ‘human’ artificial intelligence.

Or bots for short.. read more

Are we going to chat lots with chatbots?

  • Author: Patrick Brusnahan
  • Published: 22 Nov 2016

With the popularity of messaging apps, WhatsApp has over one billion people on the platform while Facebook Messenger has approximately 800 million active users; it’s no surprise that banks want to access this port.. read more

Financial companies delivering better value for customers in loyalty programmes

  • Author: Douglas Blakey
  • Published: 17 Nov 2016

There is however a but and a big one: cuts to loyalty programmes resulting from caps on interchange fees risk customer relationships. Douglas Blakey writes. read more

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