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History tells us there are certain watershed moments. Banking is going through such a phase. After decades of building systems around products, the industry must now build technology around customers, and, in particular customer relationships. Also, the conversation with customers is changing from complex...

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...

Banking moguls looking to extract more value from their businesses might take a leaf out of the media industry. Netflix is a huge media success. But it is far from unique. The media industry has long made more money through aggregating and distributing content than by creating it. Distributors provide...

It’s been almost fifty years since Maxwell Smart, Agent 86, goof-balled the mobile phone into the popular imagination when he used his shoe for clandestine conversations. A lot has happened since then in the ‘smart’ phone world. Angry Birds and Plants vs. Zombies are now out on Windows...

Even before the financial crisis, financial firms struggled to get their enterprise risk act together. Then as now, structured products added a whole new layer of complexity. The problem is how to get on top of the data. Without the right data, risk management, in today’s high frequency markets...

Once market prices hit the screen or populate a spreadsheet they are already history. In fact markets move on sentiment fed by stories that can bubble up from almost anywhere. David Cox posed the question: What if we could track the evolution of stories – the noise from other pits – before...

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...

New rules are being written, demanding greater reporting from financial institutions to their respective regulators, and more rigorous stress testing for systemic players. To satisfy both these constraints, banks will need to store more data (both real-time and historic) in a consumable and accessible...

The word “data” is used and abused when it comes to Finance and IT – but with new regulations the need for transparency is bringing data strategies to the top of every organisation’s priority list. This series of blogs will examine the new demands, and give examples of how technology...

A 1994 ground breaking paper on product development suggested that there were two kinds of product development - a traditional analytical one moving through defined stages from the abstract to the specific as a problem solving process and another based on interpretive and continuous dialogue. [i] ...

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...

Our Microsoft finserv team is seeing a major uptick in financial services firms and partners looking to leverage Microsoft Azure public cloud offering. Windows Azure and the cloud offer a paradigm shift in computing where a company can outsource all aspects of running their software except for their...