Living on the Edge of Exponential Change

Our future looks grim.  The economic situation is dire with little relief in sight. But short term gloom conceals deeper shifts in an ever-changing environment. The future may be much brighter than it seems. There have been many turning points throughout history when breakthroughs in technology brought about huge changes in society. From the spinning…

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Recreating the Ear of the Markets – Part I

Ever since Mr. Reuter replaced carrier pigeons with telegraphy, the history of markets has been a race to capture market sensitive information. But the challenge lies not just in gathering the data, but distilling it to what really counts. In the days of open outcry there was something called ‘the ear of the market’. Traders…

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Eliminating the Fog of Markets

April 2011 marks the 150th anniversary of the outbreak of the American Civil War, the bloodiest military engagement in U.S. history. Past wars had been fought with muskets and fixed formations. But the technology of war had moved on by the 1860s. Despite this, Civil War officers continued to launch mass attacks against rifles in…

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Public Service or Private Enterprise? Banks and the risks they ought not take

In the aftermath of the financial crisis, much has been written on the increasing risks banks took to grow profits, and the collateral damage that was caused.  Hard questions have been raised on the true role of banks within the economy. Are they operating a public service – enabling the efficient flow of capital? Or…


The Analytic Enterprise

Why do some banks perform so much better than others?  There are many factors, but a lot has to do with the way they manage, harvest, analyze and disseminate information. Banks need information more than ever, in particular customer information. As a result, there has been a huge growth in the demand for customer relationship…

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Increasing Marketing ROI – the importance of uplift

In today’s competitive markets, it’s all about focus – reaching the customers that deliver the best return for the least cost. But traditional marketing programs are often more about coverage than focus. The secret lies in understanding the shape of a curve. Analysts have long been familiar with the law of diminishing returns – increasing returns in…

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The Future of Language

What is the future of the English language? For the younger generation it looks something like this – UR2 KEWL. While in business the future of communication may be more formal, in our personal lives it is becoming more spontaneous, more conversational and more casual. It’s all about freedom of expression. Language may change as…

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Secrets of Successful CRM – sharing best practices from the field

The banking industry is really focused on organic growth this year and this is reflected in an enormous interest in customer relationship management systems – CRM. But while there are many examples of satisfied CRM customers, there are also some CRM implementations that haven’t met expectations. On the face of it implementing a CRM system…

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Real Time Risk Management at the Touch of a Button – the challenge of managing ‘big data’

New regulation, more frequent risk scenarios, faster trade flows and higher volumes are accelerating data velocities. Current risk systems need new architectures to scale. Systems that have previously been able to deliver only in hours and days must now capture, aggregate and report accurate accounts of risk positions in minutes directly to regulators. Risk managers…

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Choosing a Cloud Provider – towards a structured approach

Cloud computing provides a compelling option for Financial institutions (FIs) looking for more flexibility in deploying technology and managing costs. There is a wealth of cloud solutions available in the market today, and some major providers, but how does an FI choose between one provider and another? Not all providers are the same. If the…

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