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Retail Banking Intelligence

Wednesday 12th 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

Wednesday 28th June @ 2:45pm

As we publish the 2017 update to the Netherlands country report (available to order directly at this link to Laffertyreports.com), 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

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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

london, cityscape, city, skyline, business
Wednesday 21st June @ 10:30am

Welcome to the Keyfact monthly market and competitor snapshot for June 2017 High Court judge to rule on FCA's proposed claims cut-off deadline of 29 August 2019 Claims management company We Fight Any Claim has applied to the High Court for a judicial review of the financial regulator's decision to set a time-bar on PPI claims. The company argues the time-bar is wrong because it estimates that consumers could still be owed more than £50bn for mis-sold PPI — and...MORE

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Monday 19th June @ 12:21am

It is a common observation that there are four stages in the development of an economy. Long forgotten in the developed world, there is the requirement simply to stay alive; hence the primary stage in economic development that becomes the agricultural economy . Once that fundamental need is satisfied, the focus turns to production; initially the tools of production and then, as the eye turns towards lifestyle, there are the tangible 'things' that improve everyday experience: this...MORE

CheBanca Ad jpg
Wednesday 7th June @ 4:11pm

"This is Wow!" says the excellently-monikered Roberto Ferrari, tapping on his smartphone and then turning it to show Lafferty News what he's talking about. Wow turns out to be CheBanca's cheerful looking new app that can be used by non-CheBanca customers to pay bills, fares and taxes, or transfer money via Italy's Jiffy network. "It means Wallet of Wallets," he adds helpfully. When Italy's Mediobanca launched CheBanca back in 2008, it...MORE

Retail Banking Intelligence
Wednesday 3rd May @ 5:45pm

An analysis of selected universal banks. Following the hollowing out of various banking institutions in the wake of the global financial crisis, various banks took a serious hit to their operations. European universal banks, in particular, had to undergo a period of retrenchment which included state support and a series of massive fines, as well as serious reputational loss. American universal banks, while also suffering serious losses, have recovered more quickly than their European...MORE

Wednesday 19th April @ 6:05pm

Digital mortgage applications rising Digital end-to-end mortgage applications will rapidly change how people apply for mortgages . The days of weeks-long mortgage applications are drawing to a close. On the branch front HSBC already offers one day mortgage approvals, while Santander's new online mortgage application service lets customers remortgage in less than 30 minutes. Atom Bank is combining the use of a mortgage intermediary and digital to approve a mortgage in hours, and...MORE

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Thursday 23rd March @ 12:53pm

By the hook of profit or the crook of legislation, banks are making their peace with fintech. "We live in two different worlds" goes the Ed Sheeran song, and when it comes to data it seems that way ever more on either side of the Atlantic over recent years. Americans, long used to targeted mail campaigns, a pervasively commercialised public space and all-seeing credit rating agencies, long ago came to terms with the fact that the price of the American Dream was...MORE

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Wednesday 22nd March @ 4:47pm

In my capacity as a banking COO, I felt that we had to put service higher on the agenda, as we had complaints on staff behaviour and were risking losing business. I realised that a change of behaviour would only be sustainable if we would be able as a management team to make it clear how service should look. Only if we can make clear what we expect from our staff, can we inspect whether they are doing what they are supposed to do. If we do not inspect, staff may feel that we...MORE

Wednesday 22nd March @ 10:38am

Financial results in 2016 for banks paint a clear picture of winners — and losers. What is driving this difference in performance? UK banking is changing fast Co-operative Bank has put itself up for sale: despite losses falling from £611m to £477m it has a £750m capital shortfall, and still spends more than it earns. Its branch network has fallen from 291 to 85, and a takeover by Sabadell/TSB (hungry for the bank's business banking book) is a likely outcome. Other...MORE

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