Wholesale / Commercial Banking Systems Insights
8th May 2018
International treasury and fintech – what’s holding us back? In recent years, the biggest financial players with the strong, established corporate relationships have sought to adopt new technologies in the pursuit of better processes to revolutionise business performance.
Recently, Barclays has been reported to be discussing opening... read more
4th May 2018
It's no secret that the payment industry has come a long way. From 1997, when Authorize.net started it all by collecting transactions by fax and email, the developments have been extraordinary. Today, we are looking at a rapidly evolving industry, from instant payments, thousands of payment methods, global infrastructure, open API, remote KYC,... read more
1st May 2018
The introduction of the Payment Services Directive 2 (PSD2) in Europe at the beginning of 2018 was the latest step on the region’s journey towards competitively fair, digital banking. With the introduction of the legislation, incumbent banks are now legally obliged to open their customer data (with that customer’s permission) to... read more
27th April 2018
“What do we need to do to make the settlement time for securities faster?” “How could we quickly finance trades with short settlement cycles?” These are questions that market participants have been asking themselves since the days of T+5 settlement over a decade ago.
While the global financial services community is... read more
23rd April 2018
At the end of last year the Basel Committee on Banking Supervision (BCBS) announced the final rules that completed the Basel 3 reforms. Basel 4 - as the latest incarnation has since become known as - was presented at the time by Mario Draghi as “the end of the game”.
A key objective of the revisions is to reduce the excessive... read more
16th April 2018
Capital and securities markets are among the banking sectors that could most enjoy the benefits of blockchain technology, according to speakers at a bobsguide webinar.
Keith Bear, global leader for financial markets at IBM, Dr Lee Braine, blockchain leader at Barclays, and Sophia Grami, CEO and co-founder of Synswap considered the use cases and... read more
11th April 2018
The Islamic banking and finance industry has been growing at a rapid rate over the last decade – around twice the pace of its conventional counterpart – with the number and geographic reach of these institutions increasing exponentially. The industry’s assets stood at $2trn in 2015 and are expected to top $3.5trn by 2021 according... read more
10th April 2018
When Tom Blomfield, CEO of Monzo, told bobsguide “If we do our job right, we’ll make some of the high street banks extinct”, it sounded like a gutsy gauntlet to throw.
Similar sentiment can be found with the likes of other challengers in the retail banking sphere: Atom, Starling, Revolut and Metro Bank are all looking to... read more
4th April 2018
The big banks are besieged on all fronts by challengers baying for change and pushing for disruption. It leaves the likes of Barclays, RBS, HSBC and Santander with two options: innovate or sink.
But fending off agile challengers whilst keeping the massive, cumbersome business-as-usual leviathan going is no easy feat let alone being proactive in... read more
3rd April 2018
In a recent bobsguide article we discussed the changing role of the buy-side middle office. An increasingly critical middle office function is delivering accurate and timely position data to the front office and ensuring redundancy with outsourced back-office services.
This article discusses the operational, regulatory and competitive drivers... read more