Update to Banking Technologies and Strategies

Update to Banking Technologies and Strategies

In the accompanying article “Banking Operations Strategies and Technologies – 15 Years on” we reviewed how our last guess at how these subjects evolved versus the predictions at the time.  We got enough things right to provoke us into having another go.  We have...
Banking Operations Strategies & Technologies Review

Banking Operations Strategies & Technologies Review

Sixteen years ago HBW wrote a number of articles on strategies for different parts of the Banking Framework.  This article takes a review of what was said in the article Banking Operations Strategies and Technologies and links to an updated view of where the industry...
POST 2019 UK CHEQUE CLEARING PROCESS

POST 2019 UK CHEQUE CLEARING PROCESS

In 2018 the UK developed a new way of handling cheques based on cheque image processing.  This change has been called ICS (Image Clearing Systems) and previously FCM (Future Clearing Model).  Whatever it is called, from end 2019 it will be the way cheques are cleared...
POST 2019 AGENCY BANK CHEQUE CLEARING

POST 2019 AGENCY BANK CHEQUE CLEARING

This article is an extension of the article (Post 2019 UK Cheque Clearing Process) which explains how cheque clearing works in the UK from the end of 2019.  It expands description in the other article by exploring how small Banks and Building Societies participate in...
PSD2 and Open Banking – Retailers to win vs Banks!

PSD2 and Open Banking – Retailers to win vs Banks!

PSD2 went live last year with much fanfare but little noticeable change.  It is worth remembering the Silicon Valley adage “People overestimate the change over 2 years and underestimate the change over 10 years”.  We at HBW believe Open Banking and PSD2 API’s will...
APIs – An introduction for non-technologists

APIs – An introduction for non-technologists

OverviewThink of API’s as;Doorways where what goes in and out of the ‘doorway’ is very, very predictable and widely publicised, andDoorways which are open to anyone with the right key, andWhich come in “pairs” like doors at either end of a windowless corridor.In the...