Ah the humble Automated teller machine…Cash point, Any time money… The good ol’ hole in the wall… Arguably the financial services industry’s greatest innovation…. By enabling out of hours cash distribution, the ATM gave people the ability to get their own banking industry, fundamentally changing the way banks interacted with…

The last ten years and post the financial crisis, banks have for the most part been inward looking- focussed on repairing trust and mending reputations, rebuilding balance sheets and improving regulatory capital, whilst also attempting to cut costs and improve efficiencies. Investment in technology has largely centred on digitising and…

The business of banking has been around since time immemorial, its origins stemming as far back as 2000BC where merchants made grain loans to farmers and traders, setting out on tablets of stone “contracts” that governed the procedures for handling capital repayment, interest, obligations and guarantees. Whilst over the centuries…

Save Our Bankers…? With the acceleration in digital adoption now forcing banks to play catch up in digital transformation, and the financial services landscape undergoing a revolution rather than evolution, there’s still time to pause for thought- Where does this leave the Business Relationship Manager? Now before anyone groans- “Not…

For the 5.9 million small medium enterprises that make up over 99% of businesses and 47% of revenues for UK Plc, to say the last 16 months have been challenging would be perhaps just a slight understatement. …

Its always nice to be told “we value our relationship” and so i was grateful to my banking provider (full disclosure its not the one under my name) taking the time to tell me so recently. It did get me thinking though as to what “value” and “relationship” really mean… …

We keep hearing how Covid-19 has been the burning platform for so many organisations to realise that they can no longer continue to pursue analogue strategies in a world that is becoming increasingly digitised.. …

The IBM system/360 was rolled out in 1964, Microsoft Excel was first available in 1985 on the Apple Macintosh 128k computer, and there are 220 billion lines of COBOL code which was first used commercially in the early 1960's still in use today. The three with a history dating back…

If you are still thinking like a bank, operating like a bank and pushing product like a bank in 2025, then you probably I’d hazard a guess wont make it to be whatever “a bank” ends up looking like in 2030. Its now universally accepted that as the intersection between…