Globalisation: External Forces Driving Corporate Growth and Expansion

Treasury management plays an important role in a corporation’s globalisation efforts especially in the areas of cash management, banking, foreign exchange risk, and investments. Treasury must address challenges with managing liquidity distributed across markets, currencies, and businesses, especially the need to keep up with regional liquidity nuances and regulatory issues. As an outgrowth of globalisation, […]
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Leapfrogging the bank app to go straight to the electronic assistant

  No one downloads a banking app from their store of choice for fun, nor do they open it up to amuse themselves. Instead, bank apps are used to accomplish specific tasks – check a balance, pay a bill, send money to a friend. Despite the undeniable utility of these apps, institutions struggle to persuade […]
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The growth and impact of Money 20/20

It’s remarkable that in just five years Money 20/20 has gone from a standing start to having about 11,000 [sic – you read that right] registrants. We go to many conferences throughout the course of the year, and the growth in Money 20/20 is unprecedented in the financial services space (as the chart shows). We’ve […]
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A Millennial’s Home-Buying (and Mortgage) Journey

At Celent we take a very customer-centric view of the banking experience. My husband and I recently relocated and bought a new house. As first-time home buyers, we were nervous about the biggest purchase of our lives. Where do we start? How much will it cost? How do we know what type of loan is […]
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Get off the bench: free lunch is over for banks?

This is a copy from my guest post for Finnovista that I wanted to share with you here as well. A few years ago when we started collaborating in creating the Latin American Fintech community there were no Fintech associations, no Fintech conferences and for sure there was no mapping of Fintech start-ups at all. […]
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ORACLE: Swinging the Bat in Cloud Services

It's hard to believe that an entire month has gone by since Oracle OpenWorld in San Francisco — but baseball fans will have noticed that things have been a bit hectic here in Chicago of late.  Ironically, the Chicago Cubs clinched a playoffs berth on September 18th, the very day that Larry Ellison officially opened […]
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Two Hallmarks of Successful Branch Transformation Initiatives

Since my coverage areas include branch and ATM channel technologies, I often get asked, “What distinguishes successful branch channel transformation initiatives?” Questions like this cut to the chase. Spare me all the charts & graphs, Bob, just tell me what successful institutions are doing. Fair enough. But, don’t we all want easy answers? How many […]
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“Transforming the Landscape” – My learnings from SIBOS 2016

The fall conference season is a business time for us in the industry research business. I’ve finally recovered from a hectic week in Geneva, where I met with over 40 banks, technology companies, and consulting firms to discuss what’s happening in global transaction banking. This year’s Sibos theme was “Transforming the Landscape”, organized around four […]
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Stop Throwing Money at Cybersecurity

 Most cyberattacks succeed because of weaknesses in people, processes, controls and operations. This is the definition of operational risk. Therefore, it makes sense to tackle cyber risk with the same tools you use to manage operational risk. We continue to prove that the approach of the IT department managing cybersecurity is not working. Cyber risk […]
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The Mobile Banking and Payments Summit – Impressions from Day 2

A couple weeks ago I attended the Mobile Banking and Payments Summit in NYC for the first time.  There was an impressive list of experts from institutions such as JPMC, Barclays, Citibank, BNP Paribas, the Federal Reserve, USAA, Capital One, BBVA, and Moven, among others. I was only able to attend the final day, but […]
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