Chris Skinner
OCTOBER 4, 2018
I have one slight concern as we go cashless, having experienced it myself. You cannot go cashless if it does not include everyone. I had this experience in China. Arriving on a Sunday lunchtime at the Holiday Inn Express hotel, I successfully checked in and had a nice room with … The post The digital divide: inclusion must not create exclusion appeared first on Chris Skinner's blog.
Payments Dive
OCTOBER 2, 2018
The world of mobile payments has changed significantly over the past decade – and particularly over the past few years as smartphones and other mobile devices have become ubiquitous. In this report, we will review some of the main themes and trends in the mobile payments market.
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Bank Innovation
OCTOBER 2, 2018
A Florida bank known for its growing number of acquisitions, explains how robotics processing automation (RPA) has aided in their growth strategy. Seacoast Bank headquartered in central-Florida, with $5.9 billion in assets, has acquired eight banks in the last four years. Jeff Bray, Seacoast Bank's chief operating officer, told Bank Innovation that Orlando-based fintech, EnableSoft, […].
PYMNTS
OCTOBER 5, 2018
One of the new realities of augmented reality is this: the technology is attracting more investment from China than from sources in North America. This trend happens as activity around AR heats up, with major players in the digital economy apparently positioning themselves to profit as the retail-friendly tech move every closer to mainstream popularity.
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Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.
Chris Skinner
OCTOBER 1, 2018
We talk about platform companies, and many use the famous TechCrunch quote to illustrate this: Uber, the world’s largest taxi company, owns no vehicles. Facebook, the world’s most popular media owner, creates no content. Alibaba, the most valuable retailer, has no inventory. And Airbnb, the world’s largest accommodation provider, owns no real estate. … The post What is digital transformation?
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Insights on Business
OCTOBER 3, 2018
IBM RegTech Innovations. Advances in artificial intelligence (AI), blockchain, and cybersecurity are poised to transform the financial services industries. These technologies bring capabilities that speed risk modeling, automate fraud detection, ensure regulatory compliance, enable distributed trust, and protect sensitive financial information. Mounting pressures on financial institutions to drive out costs, improve customer experience, complete with emerging players, and comply with new regulat
PYMNTS
OCTOBER 3, 2018
Crypto research site Diar claims that startups in the digital currency and blockchain space have notched roughly $3.9 billion in funding via venture capital (VC) investments, CoinDesk reported. The figure, which represents investments over the first, second and third quarters, marks a 280 percent jump from all of last year. In addition, the report noted that the average size of investments in the blockchain and crypto space rose by $1 million this year.
Chris Skinner
OCTOBER 3, 2018
A new study of the 50 largest banking groups in the UK and Europe has revealed that although profits have increased, future profitability is at significant risk. The UK & European Banking Study (EBS), shows that banks are operating in unstable market conditions fuelled by unsustainable profit-taking, crisis level valuations … The post Research lays bare the banking issue appeared first on Chris Skinner's blog.
Payments Dive
OCTOBER 4, 2018
Video, gaming, AI, robotic, AR/VR platform CIOs and CTOs looking to embrace newer digital transformation solutions should look holistically within the mobile infrastructure ecosystems, and tag the mobile telecom operator as a strategic partner.
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Treasury teams at community banks face an ongoing challenge of delivering frictionless customer experiences as they support treasury products – especially RDC. This infographic focuses on the efficiencies community banks gain when partnering with a proven managed services provider. You’ll see the advantages you can gain when a managed services partner leverages online tools, skilled customer and technical support personnel, and fulfillment and logistics capabilities to streamline RDC fulfillment
Payments Source
OCTOBER 3, 2018
Banks and merchants are rapidly deploying chatbots for answering basic account questions, shopping and accessing the internet of things. But new data suggests consumers don’t fully trust chatbots yet with payment account details and personal information. Here’s a look at what consumers think of chatbots and why it matters.
PYMNTS
OCTOBER 5, 2018
5G is coming. Now if we can just figure out what it’s good for. That’s a little bit unfair, but it does reflect some of the talk around the mobile connectivity standard. What types of business will it support? What will emerge as the “killer use case” for payments and commerce? As one observer put it: “The fifth generation of connectivity, pithily called 5G, will be ready for prime time later this year.
Chris Skinner
OCTOBER 1, 2018
Another regular argument I’m having is whether digital is a revolution or evolution. I firmly believe it is revolutionary. When industries are being rebuilt from the ground-up with new technologies and new business models, then it is a revolution. When we are living in an age where every human on … The post If you think it’s evolution and not revolution, think again appeared first on Chris Skinner's blog.
Payments Dive
OCTOBER 2, 2018
Recent changes to how Apple deals with the NFC chip in the iPhone and Apple Watch presents a world of opportunities.
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Amid market uncertainty, banks and credit unions are faced with critical decisions about the future of their commercial lending. With fluctuating interest rates and rising competition from non-bank lenders, it's critical to allocate your 2025 budget strategically to optimize lending operations. Our Budget Playbook for Commercial Lenders delivers key strategies to help you navigate these challenges, ensuring your institution is well-positioned for the coming year.
Payments Source
OCTOBER 3, 2018
Financial-crime risks, properly mitigated, are business opportunities. Fintechs that recognize this can gain a competitive advantage, according to Julie Myers Wood of Guidepost Solutions and Gemma Rogers of Fintrial LTD.
PYMNTS
SEPTEMBER 30, 2018
Ripple (XRP) has overtaken Ethereum within the last 24 hours, with a 7 percent surge in price for a market valuation of $24.28 billion. According to CCN , this is the third time this year that Ripple has moved past Ethereum, with each time occurring in the second half of September. But with the market cap of Ethereum only slightly below that of Ripple — combined with the weak volume of XRP — it is likely that Ethereum will regain its position as the second-most valuable cryptocurrency soon.
Chris Skinner
OCTOBER 4, 2018
I was recently asked by TSYS to write a piece celebrating ten years of payments changes, as they are celebrating their ten year birthday of ngenuity, TSYS’s payments magazine. So I wrote something. Here’s your starter for ten: To commemorate the past 10 years of ngenuity, we wanted to look … The post Ten years of payments changes: a lookback appeared first on Chris Skinner's blog.
Payments Dive
OCTOBER 5, 2018
Host Will Hernandez, discusses the rise of digital identity, how mobile affects the digital identity, with Equifax Mobile Strategy Leader, Hrishi Talwar.
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Have you ever felt the pain and loss of a client suddenly going silent, leaving you questioning everything? Ghosting can cause heartbreak; in business, it drains resources, and emotionally, it shatters your confidence. A modern credit card program can give you the tools to deliver the digital-first experiences your customer’s demand. Our eBook, “5 Signs Your Credit Card Offering Needs an Upgrade,” will help you identify key indicators that your current card platform may be holding you back and w
Payments Source
OCTOBER 2, 2018
Payments will melt into the wider commerce experience and create new incremental value for consumers, according to Brendan Miller, a principal analyst at Forrester.
PYMNTS
OCTOBER 5, 2018
An Amazon of banking? That’s the description — perhaps clichéd but still apt — applied to FinTech firm Curve , which is on the hunt for $50 million in fresh capital, according to recent comments made by CEO Shachar Bialick to CNBC. The Amazon comparison came from Bialick, who also said that the three-year-old firm is looking to become more of a platform for services from various providers, explaining why it has not applied for a banking license.
Chris Skinner
OCTOBER 1, 2018
Things we’re reading today include … Euro slides after Italian lawmaker mentions return to own currency Tesco Bank fined £16.4m by watchdog over cyber-attack Policymakers share blame for the shadow banking boom Turkey arrests 417 for transferring foreign currency abroad City boss on board of conservation charity pictured with slaughtered … The post Things worth reading: 2nd October 2018 appeared first on Chris Skinner's blog.
Bobsguide
OCTOBER 3, 2018
On demand clouds have created new business models and changed companies' IT strategies. For many applications and workloads there are alternatives which better suit the individual "use cases" Every few months, a study is published that examines to what.
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With automation, you’ll reduce errors and save valuable time, allowing you to focus on what really matters: strategic analysis and insightful decision-making. Picture accurate financial reports ready at your fingertips, giving you the confidence to tackle business challenges head-on. Embracing automation not only boosts productivity but also elevates your role from number cruncher to closing rockstar.
Payments Source
SEPTEMBER 30, 2018
The potential for voice payments is massive and drawing significant attention from developers. But limited use suggests it's not ready for prime time.
PYMNTS
SEPTEMBER 30, 2018
Ripple , the blockchain startup, is heading up a new cryptocurrency lobbying group called Securing America’s Internet of Value Coalition. Coindesk , citing a Business Standard report late last week, reported the companies behind the lobbying group also include the RippleWorks Foundation ; Coil , a company developing a solution for digital payments; Hard Yaka , an investment firm focusing on digital assets; and PolySign , a company seeking to be a crypto custodian.
Chris Skinner
SEPTEMBER 30, 2018
Things we’re reading today include … Digital start-ups complain they’re being frozen out of £775m RBS remedies contest City minister vows to defend London London’s online trading groups hit by European crackdown Overseas banks push for tax cuts ahead of Brexit How the IMF can manage the global economy better … The post Things worth reading: 1st October 2018 appeared first on Chris Skinner's blog.
Bobsguide
OCTOBER 1, 2018
The great unbundling of the financial services industry continues in earnest as new market participants enter with increasing frequency. Their stated goal is to solve the problems that incumbent services are either too lethargic to handle or simply unable to provide. But it might be too easy.
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Community banks seek ways to leverage their technology infrastructure to drive productivity and growth. However, the sheer volume of technology devices, capital constraints, and lack of skilled resources stand in the way. This Strategy Brief explores how a managed device services partner can help bridge this resource gap. Managed device services partners empower community banks to take charge of mission-critical device management activities with: Logistics and installation services to support se
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