& Opinions


The future
of banking

How digital technology is changing
the financial landscape 

The fact that the financial services industry, and especially banking, is going through the greatest disruption since the arrival of computers in the 60s is now universally accepted. The advent of digital technology and more importantly its adoption by customers is changing the fundamentals of the business. This is not just the arrival of a new channel, it’s a rethink of how business is conducted, how customers are engaged with and how financial products are manufactured.


Dealing with GDPR

From May 25, 2018 the General Data Protection Regulation (GDPR) regulation will apply to all businesses based in the EU.

When discussing its impact with clients, I am frequently struck by the number that clearly feel overwhelmed by the breadth and depth of the topic. This may be in large part due to the fact that they are surrounded by vendors and advisors with strong interests in the most stringent reading of the regulations.


Could Apple be your next bank?

If Apple decides to launch Apple Banking it would give banks a real run for their money. Apple has a better grasp on user experience and customer engagement than most businesses – not just banks. They have close to a billion iPhones in customers’ hands, a good few hundred millions with Touch-id authentication built-in, it has a trusted brand, very deep pockets and the skills to completely revolutionise the retail banking industry.