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UK Bank Account Portability

Posted by on Jan 17, 2014 in Articles | 2 comments

UK Bank Account Portability

This paper looks at the three industry models for how account portability could be achieved, the aim being to make it even easier to switch banks. It analyses these models from the perspective of what leverage the banks could get from the different models.

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UK’s ‘Big 5’ less competitive as result of ICB Ring Fencing

Posted by on Oct 18, 2013 in Articles, Banking Product Engines | 2 comments

UK’s ‘Big 5’ less competitive as result of ICB Ring Fencing

This article looks at how the UK’s Big 5 banks will be affected by the Independent Commission on Banking’s legislation on Ring Fencing

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Global Financial Regulatory Landscape

Posted by on Jan 14, 2013 in Articles, Banking Product Engines, Management Information | 0 comments

Global Financial Regulatory Landscape

Presentation on the likely future shape and size of banks conditioned by the emerging changes in regulation.

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RBS Systems Incident – What it means for all banks

Posted by on Aug 14, 2012 in Articles, Banking Product Engines, General | 1 comment

RBS Systems Incident – What it means for all banks

This article looks at three questions the regulators should be asking all large money transmission banks as a result of the RBS systems incident in June 2012.

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Banking Commission – PART 2

Posted by on May 5, 2012 in Articles, Banking Product Engines | 0 comments

Banking Commission – PART 2

This article describes how a separation might be achieved in systems and operations terms to support the Independent Banking Commission’s recent reforms and the Financial Stability Boards’ “Living Wills” requirements.

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Banking Commission – PART 1

Posted by on May 4, 2012 in Articles, Banking Product Engines | 0 comments

Banking Commission – PART 1

This article describes how Investment and Retail Banks are connected.

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Remember, Remember Banks In November

Posted by on Nov 20, 2011 in Articles | 0 comments

Remember, Remember Banks In November

Banks have been making IT Changes rather unsuccessfully recently. This article suggests there is a pattern with root causes and concludes that Banks will have to change their change implementation strategies in the near future to avoid worse failures.

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Banking Disintegration – A New Industry?

Posted by on Aug 15, 2010 in Articles, Banking Product Engines, Channels, Customer Relationship Management, General | 0 comments

Banking Disintegration – A New Industry?

Discussion of banking disintegration, focussing on the various complexities arising from the partial divestment of RBS branches to the Santander Group. The specific problems of divestment might spawn a new IT service industry.

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Banks and their loan information problem

Posted by on Nov 15, 2009 in Articles, Banking Product Engines, General, Management Information | 0 comments

Banks and their loan information problem

UK Banks are under increasing pressure from a range of external stakeholders to clarify the real value and nature of their assets. There are many aspects of banking and its operations that complicate a Bank’s reaction to this pressure.

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Appendix to the Credit Crunch article

Posted by on Jul 21, 2008 in Articles, Banking Product Engines, Customer Relationship Management, General | 0 comments

Appendix to the Credit Crunch article

This Appendix highlights why Banks lend to each other and the three means that are used: (1) Money Market Loan and Deposits; (2) Syndicated Loans and Loan Markets; (3) Securitisation and CDOs.

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