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Global Intelligence

Friday 28th July @ 3:48pm

Co-operative Bank secures deal £700m debt-for-equity swap means the bank is secure, but is now 99 percent owned by hedge funds The Co-operative Group's stake has now fallen to just 1 percent and the agreement to promote bank services to Co-operative Group members "will naturally fall away and come to a formal end in 2020". The move is likely to see Co-operative Bank edge away from its former ethical and co-operative stance, with Triodos Bank possibly moving into that...MORE

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Friday 28th July @ 3:28pm

Perhaps nowhere is the clash of cultures between Banking and Tech clearer than in the current debate on screen scraping rumbling through the corridors of power in Europe. As the European Banking Authority (EBA) and European Commission exchange contrasting views over the practical realities, the PSD2-led matchmaking of fintech and banking in Europe now seems less love story than morganatic marriage. (Associated with dynasties, such an arrangement denies the customary...MORE

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Thursday 27th July @ 1:07pm

On a research trip in Africa in early May, Lafferty News heard one issue raised again and again: interoperability. That one word covers a multitude of challenges and in Africa, interoperability takes on an additional weight because of the relative success and potential for widespread adoption of mobile money. Interoperability can't be separated from financial inclusion — possibly the second most-oft mentioned issue in African financial services. While the continent gained some degree of...MORE

Thursday 27th July @ 12:31pm

JCB arrived to Money2020 Europe this year with a splash, setting up a green tea lounge and surprising even themselves with their efforts. "The tea lounge was a great success," says Andrew Doukanaris, senior vice-president for Sales and Marketing with JCB Europe. "It was open to everyone, and at some stages it got so crowded that we had to leave and go outside to get work done!" In its pre-event press release, JCB described itself as a 'leading payments...MORE

Thursday 27th July @ 11:34am

In a move to reduce the level of household debt and to lower imports of certain goods including vehicles and consumer durables, non-mortgage consumer loans were severely curtailed by the Algerian government in 2009. However, in October 2014, the authorities announced that consumer loans could be made available for the purchase of select goods that are manufactured domestically in a bid to increase national production. The new dispensation came into force in full in 2016. Consumer credit...MORE

Wednesday 26th July @ 3:55pm

In the second of a two-part article (Part One having been published in the previous edition of Lafferty Global Intelligence), Peter Kinahan continues his examination of what digitalisation and regulation are together unleashing in banking and payments. BBVA When it comes to monetising APIs, Spain's BBVA is one of the more highly evolved organisations. For those who wish to understand the practical applications of APIs, it is well worth perusing its marketplace at...MORE

Tuesday 25th July @ 4:00pm

It's been just over a month since Money2020 Europe — plenty of time for the dust to settle on what was a thoroughly enjoyable event. There were a few stories that caught my eye during the busy days and nights in Copenhagen, but I thought it useful to reflect on those that have longevity beyond a small soundbite in June. I suspect as the European event grows (and moves onto Amsterdam for 2018) we will see more organisations choosing Money 2020 as the platform for their big...MORE

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Monday 24th July @ 10:14am

LAFFERTY'S WORLD CARDS INTELLIGENCE (WCI) research shows that the number of branches globally increased each year from 2010 to 2016, with the biggest year on year increase from 2011 to 2012. The WCI database covers 72 countries across fourteen sections including retail banking, credit and debit cards, acquiring and consumer finance. This growth in branch numbers is driven by increases in Asia, which is home to several emerging markets, particularly China, that have driven global growth...MORE

Wednesday 28th June @ 2:45pm

As we publish the 2017 update to the Netherlands country report (available to order directly at this link to, here are some of the key points in our research: Three domestic banks — ING, Rabobank and ABN AMRO — dominate the retail banking and cards markets in the Netherlands. Dutch consumers are highly indebted, with mortgage loans making up over 90 percent of outstandings. Payment...MORE

Wednesday 21st June @ 5:10pm

To what extent are alternative payments encroaching on card payments in China ? The country is often cited as an example of a market where alternative payments are flourishing and posing a real threat to the traditional payment card system. Fast-globalising giants Alipay and Tencent (with the latter operating the hugely popular WeChat platform) account for over 90 percent of the market. China's cards market has gone through extraordinary growth since in the last ten to 15 years...MORE

Wednesday 21st June @ 2:00pm

Consumers may prefer cash but are increasingly comfortable using cards During 2016, total Colombian consumer credit outstandings grew by an estimated 13.2 percent, with mortgage lending growing by 15 percent and non-mortgage credit by 12 percent. Lafferty Research forecasts that consumer credit will grow by 14 percent during 2017. According to the central bank's March 2016 quarterly credit survey, credit demand grew moderately in all segments, similar to the last...MORE

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Wednesday 21st June @ 11:43am

As events over the last few weeks demonstrate, the European banking crisis has remained bubbling away in the background. The rescue of Banco Popular Español by fellow Spanish institution Banco Santander sent sighs of relief around Madrid. The seemingly never-ending Italian drama continues apace while yet another Greek rescue package is under discussion: clearly Southern Europe remains weak. Nor is elsewhere in Europe immune: yesterday brought the news that Barclays...MORE

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