BarcampBank
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OpenTransact vs PaySwarm part 2 - yes it's still mostly out of scope - Stake Ventures
Generally this post will again reflect the differences in approaches. OpenTransact is a single layer simple pragmatic standard for performing payments nothing else. PaySwarm is a fully featured idealistic multi layered approach where you must buy into a whole different way running your business. A Facebook friend suggested that OpenTransact vs PaySwarm is like Libertarianism vs Socialism.The web of assets vs the dark net of the banks | PayGlobe
I gave this talk at Next Finance 2011 in Frankfurt to a group of bankers about how they need to learn to innovate or the web will route around them. I don’t expect most banks to innovate, but there is a lot of potential to innovate around them. Any banks willing to forget their old profit centers and legacy technology will have huge profit potential.
Retour sur le BarCampBankParis7 « WiseWeb
J’ai participé avec Christophe Ducamp à l’organisation du BarCampBankParis7 le 28 janvier dernier. Un bon succès populaire avec plus de 100 personnes dès la session du matin. Merci à tous ceux qui sont venus et aux sponsors qui nous ont permis d’organiser l’événement. Malheureusement en tant qu’organisateur j’ai plus étais spectateur qu’acteur de cette édition. J’ai quand même participé à quelques ateliers et voici ce qui m’a marqué :
This series is brought to you by TurboTax Federal Free Edition. Last September, The American Bankers Association (ABA) announced that, for the first time, most Americans aged 55-years and older prefer online banking as opposed to visiting a branch or ATM. According to the study, 57% of bank customers in that age group noted that Internet banking was their preferred means of managing their money, compared to only 20% in 2010. Among all age groups, 62% said they prefer online banking, up from 36% on the previous year. In the UK, the numbers of registered online banking users pretty much doubled between 2006 and 2010, meaning that 43% of the adult population is signed-up to side-step bank queues. Of course, there’s still a long way to go.
The Future of Online Banking
Gamification
Selon le baromètre d'image semestriel JDD/Posternak/Ipsos, les banques ne sont pas les premières entreprises dont les Français ont une bonne ou une très bonne image. Ce sont Yves Rocher, Intermarché et Citroën qui arrivent dans le trio de tête. Le premier établissement bancaire du classement, Caisse d'Epargne, se place à la treizième position, après avoir gagné sept points par rapport au classement précédent. Le positionnement de toutes les banques a d'ailleurs été revu à la hausse, sauf celui de Crédit Mutuel qui perd deux points. Les banques mutualistes (Caisse d'Epargne, Crédit Mutuel, Banque Populaire, Crédit Agricole, LCL) sont les mieux classées, tandis que BNP Paribas (27ème) et Société Générale (29ème) ferment la marche. 48% des personnes interrogées disent avoir plutôt une mauvaise ou une très mauvaise image de la banque au logo rouge et noir, alors que 41% d'entre elles évoquent une bonne ou très bonne image.
Image : les banques n'ont toujours pas la cote
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Gartner: Next, Social Networks Will Sell Insurance, Become Banks
A recently published business development analysis by research firm Gartner looked into social networks' need for a more structurally sound revenue stream, and came to the conclusion that to maintain viability and competitiveness, they will soon enter the financial services industry. One Gartner analyst, Juergen Weiss, went so far as to predict that by the end of 2014, one of the major social networks - by implication, Facebook - would enter the business of property and casualty (P&C) insurance. "Offering insurance products to their communities would be a natural extension of social media providers' financial services strategies," reads Weiss' conclusions, "and would allow them to capitalize on their extensive set of information they constantly collect about their users." Sponsor The predictions appear in the latest of a Gartner series of "Top Industry Predicts 2012" reports, using data compiled late last November.
relation client
Tendance Digital Cash
Square / Card Case US-based startup, Square (co-founded by Jack Dorsey , also co-founder of ever-so-slightly-successful Twitter), made headlines in 2010 for its nifty hardware add-on that allowed people to accept payments from credit cards through their smartphones. This year, it launched its second service, Card Case . This service allows users to pay for goods and services by simply stating their name to confirm the transaction – with no need to wave a handset or tap a card, let alone provide a PIN or signature. The app automatically detects when the user comes within 100 metres of a participating merchant which they have already approved. As they arrive at the store, the merchant's app is alerted and opens a tab showing the customer's name and photo and offering the option to charge items or services to their credit card (which is linked to the system at sign-up).
Moyens de paiement
Paiement Mobile
BarCampBankSF3
Economie
bank as a utility
Pygg.co, one of the latest social media innovations in banking has raised many eyebrows, with its pledge to transfer small amounts of money through SMS, Twitter and E-mail.
Visible Banking: Visible Banking: Social Media & Digital Engagement in FinServ
eBanking 2.0
Le parcours client À quoi ressemblera dans un avenir proche le parcours client lors d’une transaction de paiement ? À en croire les initiatives lancées et les réflexions en cours des différents acteurs sur le marché des paiements, la façon de régler un bien ou un service ne ressemblera plus en rien au parcours de paiement actuel. Alors que les indicateurs suivis par les émetteurs de cartes de paiement tournent autour du taux de pénétration de cartes, du taux d’équipement par porteur ou encore la notion de « top of the wallet », le consommateur de demain risque fort de n’avoir aucune carte dans son portefeuille… voire de ne plus avoir de portefeuille du tout.
La bataille de l’innovation sur le marché des paiements - Revue Banque
Karma
The Future of Digital Finance - 24th Nov 2011, Hong Kong - Sitecore Content Management System (CMS)
New online technologies are creating waves of change in the financial sector. The companies that use innovative ways to deliver their product and services stand to gain substantial competitive advantage. Customers today expect more, and they are more likely to move their business when expectations are not met. Evolving online technologies allow you to provide your customers and prospects with more relevant and personalised experiences, which can develop into closer and more mutually rewarding relationships. But how can we implement more interactive customer experiences in an industry where regulations are high and governance is paramount? Aimed at marketers and technologists in banking, insurance and asset management, this seminar will explore ways to maximise digital opportunities and analyse key factors that determine success via the use of innovative web technologies.Paiement
Pour tout renseignement, modification sur cette page, proposition d'aide ou d'intervention sur l'organisation de notre prochaine rencontre, n'hésitez pas à m'appeler ou laisser un message au +33 (0) 632 03 97 96 - Christophe Ducamp Save the Date Le samedi 28 janvier 2012 de 11h00 à 18h30 , retrouvons-nous au BarcampBankParis7 dans la résidence d'entrepreneurs GreenSpace 28 rue du Chemin Vert 75011 Paris ( France ). Métro Ligne 5 (Richard Lenoir ou Bréguet Sabin) .
BarcampBankParis7
Agrégation bancaire: qui des banques ou des plateformes va gagner le match? par Didier Louvet – Chronique Economie
Les banques, les plateformes indépendantes ainsi que les plateformes VRM (Vendor Relationship Management) s'attaquent désormais au sujet sensible de l'agrégation des données bancaires. Qui est le mieux armé pour offrir aux particuliers le meilleur service possible? Les services apportés par les espaces clients des "vendeurs" se développent et s'enrichissent.This graphic (HT Harold Jarche ) tells us most of what we need to know to answer these questions. In the last 100 years we have lived through 2 paradigms for how society and an economy works. We are living in the transition to the third paradigm right now. Understanding these transitions will enable us to navigate to the next paradigm. Transactional retail banking is very new.
The coming revolution in banking | Queen Street Commons
BarcampBank sur G+ (amorçage en cours)
Un compte ouvert à tous les volontaires pour animation éditoriale sur la banque et la finance. Si vous souhaitez devenir administrateur, faites-moi signe. by Jan 3
finance 2.0
stanjourdan
Déraisonnable
monnaies libres