All articles by RBI editorial
RBI editorial
UK Government reduces stake in Lloyds
The UK government has sold a further £500m ($770m) in shares of Lloyds Banking Group. The taxpayer share now stands below 24%.
Financial Inclusion and Digital Money
Basic financial services are more expensive and exclusive than they need to be. If we can strip digital finance down into a lightweight, near-free service, we can offer it to everybody, including those currently excluded from the sector. Lúí Smyth, CoinJars UK lead, writes
Cloud and hybrid- 2015 buzz words
Digitisation and increased reliance on cloud services are on the increase and as a result we have hybrid IT moving in to drive growth. Fujitsus heads of department highlight the salient points around developments in cloud services, IT and Financial services
The mainframe is not the real problem in recent UK banking failures
While the mainframe has taken the blame for the recent ATM and POS system failures at UK bank RBS, it is not the true culprit. Temenos chief enterprise architect, John Schlesinger, explains how the responsibility rests with out-of-date branch accounting systems, and a lack of IT knowledge among board members
The future of retail banking
Steve Walters argues that the retail banking sector is undergoing an exciting era of transformational change, energised by innovation from recent banking start-ups. The challenge to the established banks is to up their game or lose market share to the new entrants
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Fintech start-up Number26 launches mobile only banking app in Germany
Number26 has launched a smartphone only banking service that offers zero fees to its customers.
Security risk for 11% of Android banking apps
40,000 (11%) of the 350,000 banking related apps across 90 app stores contain malware or suspicious binaries according to RiskIQ, a San Francisco headquartered digital security company.
Payment Market Change Does Not Automatically Mean Market Slump
Amanda Hartshorne believes a single, open, secure and innovative European market in payment services will be very positive for banks but many will need to change or revamp to secure a place in the coming new milieu
Mobile Banking soars in the US
Mobile banking has overtaken desktop banking for the first time. Annual figures are from the largest 3 US retail banks: Wells Fargo, Chase and Bank of America.
Bank lite offerings set to shake up UK current account market
There are currently eight suppliers of what would generally be considered prepaid card Bank Lite products in the UK but how do they compare in terms of benefits and costs to the consumer? David Parker analyses the growth of and prospects for lite current accounts