Industry Comment


Blog: Will Prepaid Change the Way China Shops? (August 2013)

By Shoney Yuan, Ceridian Stored Value Solutions (SVS) Take a stroll down any street in one of China’s big cities and it’s hard not to feel excited about the business potential this vast nation offers. Sophisticated marketing and innovative advertising compete for your attention as a consumer. There is much to buy—from groceries, to household […]

Regulation: a torrent of trouble for wealth management

Regulation is a key driver of change on IT strategies across the wealth management sector, and brings huge challenges, especially for smaller players: predictions are that the cost of compliance may rise by a further 16% by 2015.

Evolution of Payments

One common thread unites developed and emerging economies across the globe – the ubiquity of mobile devices are changing the way people interact with businesses and each other. In many countries, the number of mobile phones in use surpasses the number of consumer bank accounts. This shift in consumer behaviour is changing the face of payments as we know it.

Demystifying m-commerce

Payments made via mobile devices are fast becoming de rigueur as tablet sales are expected to overtake personal computers by 2017. Shane Fitzpatrick  addresses five common myths about m-commerce and how to capture online revenues. Smartphones are already more popular globally than desktop PCs and of the 1.875 billion phones to be sold in 2013, […]

Viewpoint: 7 European Markets and Their Shifting Prepaid Opportunities (Spring 2013)

An Edgar, Dunn & Company study compares the existing state and prospects for corporate and government prepaid programs in Europe in 2010 and 2013. We assessed seven European countries— France, Italy, Germany, the U.K., Spain, Poland and Turkey—and rated the attractiveness of each market, based on the legal and regulatory environment and prepaid market receptiveness, against the prepaid market opportunity.

How to achieve customer-centricity

Why are banks and insurers struggling to operate as true customer-centric organisations when they know great customer service is a crucial differentiator? The answer lies in the enterprise operating model, which can create a structural barrier to achieving customer-centricity, writes Sean Tomlinson. head of consulting, private sector, Steria (right). The problem with the enterprise operating […]

The Fine Line: collaboration vs. competition in mobile payments

Following the news that Polish banks will work together on establishing a common mobile payment infrastructure, Philippe Eschenmoser, head of business consulting at SIX Payment Services, explains why other European banks should learn from the Polish market.

The new FCA – don’t have nightmares

Is there anything to fear about the new FCA? Well, possibly quite a lot, it would seem. A hundred or so days into the new era of the FCA and it would be hard for anyone in the wealth management or private banking sector to have missed the message that the regulation of the sector is going to be different from now on.

Strengthening financial visibility for improved risk management

New research shows that large businesses are continuing to identify risk management and corporate governance as pressing financial priorities. To achieve true visibility into these areas, corporate treasurers need detailed insight and accurate forecasting capabilities.

EMV – driving the global eradication of card fraud

Authentication, risk management, transaction integrity and cardholder verification, are the four features that define the EMV standard, specified by EMVCo, the organisation that manages the EMV standards and associated compliance processes. These are designed to protect merchants, acquirers and cardholders from fraudulent transactions. However, closing the loop on fraud altogether will be almost impossible without […]

Viewpoint: A Closer Look at Choosing an HSA Administrator (July 2013)

Employers looking at consumer-directed health care plans with HSAs tend to pick providers based on one or two administrative details, but they really need to dig into what kind of benefit experience employees will get. The quality of that interaction can make all the difference, and yield happy, engaged employees.

Digital money, mobile wallets & Latin America

In our world of 100%+ mobile penetration, companies in Latin America will soon need to think like their next wave of prospective customers, most of whom are unbanked. This means understanding their lifestyles, habits and needs in order to decide how to best generate value.

Pressing the reset button

Whether or not the coalition government succeeds in implementing all of its proposals remain to be seen but undoubtedly the transformation of the banking sector – across all levels – is most certainly underway …

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