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Intra-day or Real-time cash movements will feature heavily (again) this year, with several sessions scheduled. Thinking about the main stakeholders
Customers still want it because they need to be more certain about where they stand
Shareholders thought their banks already had it and post GFC are even more certain they already have it
We will be interested to see what progress has been made (if any) and what the drivers are.
SEPA end dates and migration. One for the banks...
E-
May 10, 2012
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In 2011 Gresham started a graduate recruitment program as part of a long-term investment in our people and strategic direction. Our initial focus has been in the UK but we expect this program to spread across our international business as we grow.
Four graduates were recruited, three into our Bristol office and one into our London office. They are now six months into their first year and I asked each of them to describe their experiences of life at Gresham.
Antonina
My
January 26, 2012
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JP Morgan has released the latest 2011 global liquidity survey. See it here http://www.treasurers.org/node/7564
Here is my take on the headline points...
The appetite for yield is returning. I sense we have moved from a focus on just staying in business back to one of return on cash. Since 2008, many companies have just been happy to actually have spare cash to earn a return in the first place, as I am sure are their shareholders. Now that period of grace is over the shareholders
January 13, 2012
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It wasn't that long ago, perhaps a year, when certain banks were really not interested in a company's Liabilities / Credit balances. Let's be clear, from a corporate's point of view we mean Assets and Debit balances but I'll never win that battle.
Things are changing... we've just been offered 150 bps (that's 1.5 percent to most of us) by a Tier 1 bank that is not government owned! Not world beating against some other UK contenders (2% no strings attached) but compares favourably with t
January 12, 2012
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Matthew Dragiff’s blog, The Remittance Data Transport Conundrum for Banks, on Finextra was great and prompted me to record some more thoughts on remittance data from a corporate perspective - Matthew's Blog
He raises some great points about what happens to remittance data when it enters the bank payment system in a standard message type, one capable of holding the extended remittance information generated by the corporates accounting system.
If the bank has adopted such a remittance base
September 30, 2011
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Basel II & III set out the best practice for banks in managing their liquidity. Industry regulators have embarked on the task of defining the measures and controls within their respective jurisdictions that must be adopted by banks. The Basel pillars put in place reserve silos as counter measures to the trading risks of banks, yet it seems that a silo approach to risk management may not succeed and could be unnecessarily costly when credit, settlement and liquidity are a closely linked c
September 14, 2011
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Having not long come back from visiting one of the Greek Islands I declare my hand as a fan of Greece, or at least its Islands. It pains me to see the problems its going through but you can’t help but wonder at the ‘spare the rod, spare the child’ attitude of the EU. In their haste to broaden the club, they rushed through the Greek application without so much as one serious economic hurdle. Where are the heads of state and their senior economic advisers who oversaw this debacle, whe
August 22, 2011
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As we stand today, there is no single Legal Entity Identifier (LEI) that can be used around the world to identify an individual or business. Here are some of the issues presented by its absence:
• A UK company registered at Companies House has a unique company number but a company registered in another country could easily have the same number; and
• UK citizen holds a unique National Insurance number but a citizen in another country could easily have the same number.
Therefore, when tr
August 2, 2011
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The world has continued to change since SIBOS 2010, held in Amsterdam. We now move to SIBOS 2011 in Toronto where I believe addressing regulation and post-crisis risk control, and being seen to do so, will be hot for SIBOS. These are real and present pressures on banks that I see continuing for some time to come.
I believe banks that find a way to innovate their way to growth, whilst being seen to be under control, should come to the fore. Alongside this, I believe that customer service
July 20, 2011
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Overview
by John Walton, Managing Director, Gresham Computing Inc, Canada
We are bullish on smartphone banking globally. Two broad uses are internet banking apps and mobile payments. These services are still immature, however they are consolidating around the telecom providers (M-PESA), for example, provided by Safaricom in Kenya as well as the established financial oligopolies like those found in the G7 countries. There is a battle taking place between these and other providers; the telecoms
July 11, 2011
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