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Cash is a capital-intensive business and nowhere more so than with ATMs. With cash usage generally declining and the fixed and unit costs of providing cash access rising, banks are looking for better, faster and cheaper ways to manage their ATM estates.  It’s an inconvenient truth, but cash is not dead yet. On the contrary, [...]

The post CASH: DOWN, BUT NOT OUT appeared first on Payments Cards & Mobile.

Previously existing only on the fringes of finance or computer science, cryptocurrencies are now being discussed more widely. In the future, banks may not be the only ones making money from making money. Communities, companies and cryptography could become the new moneymakers, which drives new thinking around money, ownership and trade. It started in 2008 [...]

The post CRYPTO-COINING IT appeared first on Payments Cards & Mobile.

The doom-mongers have long been predicting an existential crisis in banking. Banks are being assailed on every side — by FinTech start-ups, Big Tech and regulators. They must maintain 24/7 operations and interoperability, deal with the demands of regulatory compliance, and contend with their own internal culture around innovation. So, it is a case of [...]

The post THE FUTURE OF BANKING appeared first on Payments Cards & Mobile.

Regulators are increasingly using technology to improve regulatory oversight and modernise regulation. They are also using their influence to collaborate, convene and commission, so what is on the horizon for regulation and regulators born in the digital age? Regulation is one of those things that is easy to understand. But is hard to operationalise for [...]

The post THE REGULATOR OF THE FUTURE appeared first on Payments Cards & Mobile.

Retailers have been asking themselves and their vendors for some time how to get to omni-channel. “I wouldn’t start from here” is the flippant response. Yet retailers do start here. They start from all different places and plot different routes. We examine the most important practical considerations on the journey to omni-channel. It is a [...]

The post THE PRACTICAL REALITY OF OMNI-CHANNEL appeared first on Payments Cards & Mobile.