Tag Archives: banking

Fewer deposits will mean fewer banks

Banks are continuing to merge, however the motivations for mergers are changing. Expect the next wave of mergers to be driven, at least in part, by the anticipated change in available bank deposits over the coming years. Management needs to … Continue reading →

2017: The year Fintech grows up and learns to play nice

2017 will be remembered as the year that technology and finance finally came to terms with each other. While the hype may be dying, Fintech is now better positioned to change the industry in the coming year. That rock-and-roll band … Continue reading →

Blockchain – How far can business process automation go?

Although Bitcoin is now 8 years old, the current driver of interest in blockchain is the ability to reduce logistical costs, prevent fraud and eliminate legal disputes. Continue reading →

Banks of the future: Millennials and risk culture

From employees, to consumers, banks need to affect true cultural and behavioural change, restore trust and ethics and ensure consumers are placed at the heart of business. Continue reading →

Cybergeddon? SWIFT Malware May Put Central Banks at Risk

The scariest bank robbery in history took place recently, and very few people understand the true nature of the crime. A robber with a gun can empty a bank vault.  A mastermind with an understanding of SWIFT can steal a … Continue reading →

Collateral Damage to Reputation: The Fight Back Continues

I’ve blogged before about the risk of collateral damage to reputation for individuals caught up in regulatory enforcement activity involving their employers. Now a new and successful challenge has been made by a manager of a major investment bank against … Continue reading →

HBOS: Why the Regulators Will Make Sure Things Go Differently Next Time

Much has been written in the last week about the long-awaited report into the reasons behind the collapse of Halifax Bank of Scotland (HBOS). This is hardly surprising given the size of the collapse and the report’s hard hitting conclusions, … Continue reading →

Creating a Capital Markets Union: And the Winners Are…

Creating-a-Capital-Markets-Union

In November 2014, the European Commission (EC) announced a flagship project to build a deeper and more integrated capital market among the EU28 countries – named Capital Markets Union (CMU). This blog takes a closer look at the motivation behind … Continue reading →

Convenience is Banks’ Secret Weapon in War with Silicon Valley

Tuxedo banking

Regional and community banks haven’t lost to Silicon Valley – yet. But they face some serious challenges. Unexpectedly, the desire for convenience may be today’s banks’ biggest advantage in the coming battle with Internet start-ups. Continue reading →

Negative Interest Rates: Turning the Banking System Upside Down?

banking upside down

Did you ever imagine having to pay money to keep your savings in a bank account? No? Well, in these times of extremely low interest rates, a new reality is rapidly approaching. As some of the European central banks have … Continue reading →