IT investment amongst banks has been almost all operational in nature and not about customer insight or management information for many years. It’s about time that banks start to see the value in collecting digital information on a business activity which can...
Community Development Financial Institutions (CDFIs) have in recent years gained prominence as a source of credit to the financially excluded (i.e. people not able to access credit from mainstream banks). In addition to credit, they also provide financial advice to...
The evolution of InterBank Markets Banks, like all businesses, exist to make money. Originally, they used to earn this money by using the interest margin between the taking in of deposits, and the lending out of cash. By taking deposits from the general public, in the...
Background and Hypotheses Banks provide a decision-rich and data-rich setting in which a couple of emerging analysis techniques – ‘decision modelling’ and using data to improve requirements – could combine to produce better quality requirements and reduce project...
Recast DGSD now also protects deposits held by wholesale-only banks This article is relevant to wholesale-only banks who were previously not members of the FSCS Deposit Guarantee Scheme. For information relating to banks who were previously members of the scheme,...
Recast DGSD means significant changes for Banks already supporting the UK FSCS scheme This article is relevant to banks which are already members of the FSCS Deposit Guarantee Scheme. For information on ‘wholesale-only’ banks, many of whom were not...
The success of a bank lies in the management and interplay between a number of important banking concepts. These concepts are manifested in the nature of a bank’s lending and borrowing habits, the quality of investments made by the bank and the conflict that exists...
The rise of personal data stores (PDS) and identity assurance technologies (see white paper from Mydex) present some interesting opportunities to banks. This article firstly provides an overview of the regulatory and other contextual drivers for these technologies,...
Executive summary There is quite a bit of talk in government and the banking industry about increasing competition. One of the concerns is that customers find the process of switching between banks laborious and a barrier to moving, allowing banks to use inertia...
ICB Ring Fencing will make the UK’s ‘Big 5’ less competitive in International and Private Banking in particular and possibly all banking Introduction It is about 18 months since HBW wrote about the Independent Commission on Banking (ICB) recommendations on Ring...
