search.noResults

search.searching

note.createNoteMessage

search.noResults

search.searching

orderForm.title

orderForm.productCode
orderForm.description
orderForm.quantity
orderForm.itemPrice
orderForm.price
orderForm.totalPrice
orderForm.deliveryDetails.billingAddress
orderForm.deliveryDetails.deliveryAddress
orderForm.noItems
IBS Journal July 2017


IN THIS ISSUE JULY 2017 / ISSUE 27.03


EU central bank plans instant settlement in 19 countries Klarna bags banking licence


Chairman, Cedar Sanjiv Anand Email: sanjiva@ibsintelligence.com


Senior Editor Bill Boyle Tel: +44 7909 954 991


Email: billb@ibsintelligence.com


Senior Reporter Alex Hamilton Tel: +44 7555 518 679


Email: alexanderh@ibsintelligence.com


Junior Reporter Henry Vilar Tel: +44 7747 357 769


Email: henryv@ibstintelligence.com


Advertising Sales Manager Angus Chapman Tel: +44 7958 691 538


Email: angusc@ibsintelligence.com


Regional Account Manager – Americas Mike Scarangella Tel: +1 239 223 0062 Email: MikeS@ibsintelligence.com


Account Executives Rushikesh Dixit Tel: +91 9820 888 569 Email: rushikesh.dixit@ibsintelligence.com


Account Executives Ridhie Kheria Tel: +91 7208 306 364


Email: ridhiek@ibsintelligence.com


Head of Research Ashwin Ramakrishnan Tel: +91 9819 148 693


Email: ashwinr@ibsintelligence.com


Marketing Manager Abhijit Chakravarty Tel: +91 7718 868 804 Email: abhijitc@ibsintelligence.com


Graphic Designer Pooja Bhatia Tel: +91 9920 151 037


Email: poojab@ibsintelligence.com IBS Intelligence


A Division of Cedar Management Consulting International, LLC Tel: +44 2075 202 630


Email: info@ibsintelligence.com


UK/Europe Lenta Business Centre, Suite 109 180-186 Kings Cross Road London WC1X 9DE, UK


Americas 53 W. Jackson Boulevard, Suite 557 Chicago, IL 60604


USA


ISSN: 0965-674X Visit our website: www.ibsintelligence.com


FEATURE FOCUS Lending Technologies


Lending in 2017 – stuck between a disruptor and a regulator Banks and alternative lenders - to compete or collaborate? Turning raw data into actionable intelligence Money 20 20 Europe roundup


The Linden Dollar – learning from virtual currencies Interview – Loxon


REGULARS Editor’s Note:


Comment:


The Big Interview: Who’s bought what? Startup of the month: On the move:


Backchat | Diary: 11 European card losses hit record high


Barclays slapped with fraud charge for 2008 crisis dealings Stalking the banks


Is Finastra’s cloud partnership with IBM astute or risky? TSB drops Visa to sign deal with Mastercard Openbank’s transformation looks beyond Spain Worldpay turns smartphones into contactless terminals New age learning for a new age bank


When threat intelligence is the answer to drowning in security solutions How lending systems performed in 2016


06 07 08 10 11 12 14 15 16 17 18 20


03


HIGH STREET BANKS BEING STALKED BY TECH GIANTS


23 24 28 32 34 36 39


05 19 40 44 46 48 50


www.ibsintelligence.com


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52