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    Finance
    The Other Axes: Realignment and the Schumpeterian Crisis of Capitalism

    The Other Axes: Realignment and the Schumpeterian Crisis of Capitalism

    Writing in 1944, Joseph Schumpeter foresaw a crisis of capitalism of a different flavour than that of the Marxist analysis. In Capitalism, Socialism and Democracy, he argued that…

    Regulatory Burden May Lead to the Emergence of “Risk Utilities”

    Regulatory Burden May Lead to the Emergence of “Risk Utilities”

    New regulation forcing businesses to provide consistent and timely evidence of accountability are hitting processes and operating costs hard and are leading to the emergence of third-party, specialist…

    Banking

    Are Banks Still Owning the Customer Journey?

    Are Banks Still Owning the Customer Journey?

    Today’s consumers are more demanding than ever when it comes to the service experience they…

    CRDB Bank: Tanzanian Banking’s Leading Light

    CRDB Bank: Tanzanian Banking’s Leading Light

    It is almost unfathomable to think that CRDB Bank has been in operation for only…

    Is the Rise of Financial Digital Disruptors Knocking Traditional Banks off the Track?

    Is the Rise of Financial Digital Disruptors Knocking Traditional Banks off the Track?

    The long-term fallout from the 2008 global financial crisis created several deep fractures in traditional-banking…

    Banks and Sustainability: Why Addressing Stakeholders’ Issues Is Key for Trust

    Banks and Sustainability: Why Addressing Stakeholders’ Issues Is Key for Trust

    From the recent Panama Papers and the issue of tax avoidance to scandals around market…

    Technology

    Plenty of Room for Improvement in International Payments

    Plenty of Room for Improvement in International Payments

    Having launched the Saxo Payments Banking Circle in 2015, following two years of intensive development, we wanted to get a sense of the current challenges facing corporates in…

    Incumbents Can Extend Their Value Chains by Adding Prepaid Solutions to Their Existing Banking Services

    Incumbents Can Extend Their Value Chains by Adding Prepaid Solutions to Their Existing Banking Services

    It’s no secret that the majority of banks could be doing more to broaden their digital-banking services; however, legacy infrastructure and regulation often hinder their progress.…

    Why Don’t More Americans Use Mobile Payments?

    Why Don’t More Americans Use Mobile Payments?

    Consider the statistics. While 67 percent of American cellphone owners check their smartphones for messages and calls even without the “ping”, and 49 percent of these same owners…

    Safe, Secure Payments in a Digital World—Are Financial Institutions Ready?

    Safe, Secure Payments in a Digital World—Are Financial Institutions Ready?

    Real-time payments are no longer the future—they are here today. More than 17 countries worldwide have real-time payment infrastructures, with initiatives underway in another five. …

    Brokerage

    Cognitive Bias Series: 6. The Denomination Effect

    Cognitive Bias Series: 6. The Denomination Effect

    Even though a $50 note has the same value as 10 $5 notes, we will invariably spend the lower value notes…

    Cognitive Bias Series: 5. Loss-Aversion Bias

    Cognitive Bias Series: 5. Loss-Aversion Bias

    In a 2013 study by psychologists Jeffrey Berejikian and Bryan Early, 100 trade disputes between the US and other countries were…