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Guest post: Eria Odhuba analyst relations lead for Comms Crowd puts together a digest of analyst insight on fintech trends in 2015.
|What's hot in fintech?
Traditionally, this time of year means predictions – when wise industry analysts predict the key IT trends for the next 12 months or so. Kudos to analysts willing to stick their heads out! So, at the CommsCrowd we thought it might be helpful to summarise analyst predictions for 2015, specifically, the financial services technology industry – one of our sweet spots.
It's going to be a series of posts as there is much to cover, this one looks at retail banking, risk and FX. I've decided to start by pointing to a number of articles that I feel provide a really good overview of the predictions within specific sectors of financial services for 2015, to which industry analysts have wholly or partially contributed.
Caveat - some analyst firms still have predictions webinars coming up so maybe I jumped the gun a bit (e.g. Celent). However, if you know of other predictions that should be read, please feel free to share these. I definitely don't claim to have scanned all the key predictions out there – so share away.
The digitisation and disruption of retail bankingThe first article, if you have not seen it already, is a whopper! Top 10 Retail Banking Trends and Predictions for 2015, The Financial Brand:
- Using Customer Analytics to Drive Contextual Experiences
- Expedited Deployment of Digital Delivery
- Mobile-First Design
- Increasing Digital and Social Selling
- Mass Market Acceptance of Mobile Payments
- Focus on Security and Authentication
- Industry Consolidation
- Enhanced Customer Incentivization
- Investment in Innovation, Incubation and Uncommon Alliances
- Increased Impact of Digital Disruptors
Oh, and Apple Pay. Trust them to put a spanner in the works!! Ovum is just one of many analyst firms that have a view on how this will change the payments landscape.
Align that spine
But, every now and then someone highlights the 'old world' stuff that needs to be sorted out. Check out Four big bank tech trends for 2015 by Chris Skinner. Good old core banking systems renewal is, reluctantly, hanging in there as a major target for investment against 'newer world' entries like cloud, analytics and incubators. Banks have to get their spines in order and renewing core systems is a nasty job (probably why CEOs don't like doing it).
Invest in risk or risk failed investments
If you like going deep, deep, deep undercover in the risk world, IDC Financial Insights's Worldwide Risk Management 2015 Predictions is a good bet. What do they say?
1. Risk data aggregation, analytics and reporting consumes 75% the CRO agenda in 2015.
2. Led in part by big data solutions, fraud and financial crimes analytics will set global financial institutions back US$2.8 billion for software and services by 2016.
3. 30% of top compliance functions introduce a technological means, business processes, and metrics to manage and minimize conduct failures.
4. Institutions increase investments in risk culture through enterprise education by more than 15% in 2015
5. Industry clouds disrupt legacy risk operations and contribute to 10% reduction in KYC and other compliance costs by 2016.
6. Virtually all CROs will be engaged in credit risk modernization initiatives through 2016
7. By 2016, threat intelligence security services market will growth at 20% CAGR, with consulting services leading the growth.
8. To meet the demand for convenience, by 2016, 10% of mobile-initiated commerce will be biometrically secured, and password usage begins to show signs of decay.
9. By 2017, with workable boundaries of regulation at state and federal levels, financial institutions find their role in crypto-currency clearing.
10.Through 2016, operational risk spending will grow at 8% CAGR, almost 2 times the average growth rate for all IT industry spending.
What got me, first, is the eye-watering $1/2 trillion (really) IT budget for risk across all financial services and, second, the fact that this is still increasing. Risk management, with all the accompanying regulatory, human, technological and political pressures will be a big issue in 2015. Industry analysts that focus on this area will be VERY busy as the need for advice to navigate this really complex area continues.
Cloud, big data and analytics are entrenched topics for discussion now – and in 2015, the vendors that catch analysts' eyes will be the ones that actually deliver solutions to mitigate risk across these three areas and not simply have aspirational messages.
FX - up your game plan
What about some capital markets-specific predictions? I'll stick to FX. We all know regulations and FX-fixing seemed to dominate headlines as 2014 closed.
FX-MM magazine has a brilliant overview of what Aite Group thinks will be happening in the global FX market in 2015. There is a lot to digest but I'll highlight a couple of things. First, tier 2 – regional and national – banks will need to up their game in various areas to compete effectively with tier 1s. Second, as pointed out by Javier Paz, banks looking to broaden their capabilities will need to carefully manage crucial relationships with FX technology firms, brokers and venues. I predict a queue to analysts that can help vendors and/or banks deal with all these issues – and this is just FX!
Self-fulfilling prophecies
These predictions will, to some extent, dictate what analysts are interested in. And if they are really interested in something, it is because there is a demand for their insight. While I have not covered all the fintech predictions possible in this post, it is clear that things like regulation, mobile, customer experience, cloud, big data and analytics will be top of mind in the industry.
The key thing many banks and vendors have to do is to find the right analysts to help delve deeper than the predictions outlined and actually get insights that give them a competitive advantage.
Look out for predictions post #2
If fintech is your thing you may also find the following of interest:
- Fintech PR - How to get a bank to put its name to a story - every trick in the book, you'll need them
- Sibos no rest for the wicked, or even the wise - how to get the most from this big budget line item
- Made by clever people for clever people - what value can a humble fintech PR bring?
Picture courtesy of www.theiconconciergeblog.com


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Four new elements that have been added to the periodic table, completing its seventh row, according to the International Union of Pure and Applied Chemistry (IUPAC).
Now comes the fun part - picking names for them. Hopefully, they will look beyond naming them after Johnny Depp or a Keith Richards. In the meantime, they are being called ununtrium, (Uut or element 113), ununpentium (Uup, element 115), ununseptium (Uus, element 117), and ununoctium (Uuo, element 118).
It's not even trivial to identify them as elements.
"A particular difficulty in establishing these new elements is that they decay into hitherto unknown isotopes of slightly lighter elements that also need to be unequivocally identified," commented fourth IUPAC/IUPAP Joint Working Party (JWP) chair Professor Paul J. Karol, "but in the future we hope to improve methods that can directly measure the atomic number, Z."
Filled: 4 New Elements Max Out The Periodic Table Seventh Row
By Hank Campbell | January 4th 2016 08:50 AM | Print | E-mail
Related articles
- Names Recommended For Elements 115, 117 And 118
- Copernicium- Heaviest Element 112 Gets A Name
- New Names For (Relatively) New Elements: Flerovium And Livermorium
- Atomic Weights Changed For Five Chemical Elements
- ChemAxon Launches Marvin And JChem Version 5.1; Name To Structure Generation, OLE 2 And JavaScript Integration


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Cluttered Timelines
The cobweb that grows in my head
makes changes that disregard thread.
I remember tomorrow,
but to my great sorrow,
I don't know when I went to bed.
Copyright © April 2017, by Elizabeth Bennefeld.
The prompt was "Cobweb" from #NaHaiWriMo, but I hadn't written a limerick for a while.


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About this BlogPosts here reflect the thoughts, views, and insights of a native Silicon Valley Catholic (not the diocese), Mary Pope-Handy.
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Category Archives: Alienation & Belonging
The alienation of elderly Catholics
"Growing old is not for sissies," my grandmother used to quip. She would know as she lived to be just 2 days shy of her 100th birthday. As people age, they tend to suffer a series of losses: loss of … Continue reading
Posted in Alienation & Belonging Tagged Catholic, elderly, senior 2 Comments
Does being a public figure make you a public target? Pity the poor bishops.
My family is one of those expansive, Irish Catholic clans which has been richly enhanced by the presence of priests, nuns, brothers, and in far larger supplies, devout (but down to earth, not syrupy sweet) lay folks. Spanning several categories, … Continue reading
Posted in Alienation & Belonging Tagged bishops, Catholic, charitable, communication, los gatos, public figure, response 1 Comment
The Pact of the Catacombs, and understanding Pope Francis better
Pope Francis seems to be the spirit of Vatican II personified. In the couple of months in which he's been our pontiff, we have experienced one new breath of fresh air after the next. Can you boil down his message, … Continue reading
Posted in Alienation & Belonging, Spirituality Leave a comment
Holy Thursday
Today is Holy Thursday, the day we celebrate The Last Supper and also the sacrament of ordination and the priesthood. Pope Francis gave a beautiful homily this morning on anointing, and that priests are to go out and find the … Continue reading
Posted in Alienation & Belonging, Spirituality Tagged anointing, ordination, Pope Francis, Prayer of St. Francis 2 Comments
Feeling like you belong at Church
In Silicon Valley, there are so many opportunities to attend Mass that it's very easy to drift from Mass to Mass and yet never feel a sense of belonging to the particular group with whom you are worshiping. This is … Continue reading
Posted in Alienation & Belonging, Parish Life, Spirituality Tagged belonging, hospitality, welcoming Leave a comment
Introduction of new liturgical changes
Although the changes to prayers and songs at Mass aren't officially required until the beginning of Advent this year, many parishes and other Catholic communities (such as at Mission Santa Clara) in the Diocese of San Jose have already begun … Continue reading
Posted in Alienation & Belonging, Liturgy Tagged Diocese of San Jose, liturgical changes, Mass Leave a comment
When Bad Homilies Happen (to Good Catholics)
Everyone's a critic. When it comes to preaching and to homilies, it has got to be tough to get up in front of the community and be inspiring and insightful if you're under-slept, overworked, rushed or maybe even going through … Continue reading
Posted in Alienation & Belonging, Liturgy Tagged alienation, deacon, homilies, Mass, preaching, priest 8 Comments
We All Want & Need Heroes
Growing up Catholic, in an intensely Irish-Catholic family, I had no shortage of extraordinary role models right within my big, extended family. Two amazing Catholic women My Great Aunt Ria (Sr. Marie Aimee of Jesus), my maternal grandmother's sister, was … Continue reading
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Disaffected Catholics, Former Catholics, Lapsed Catholics
Sometimes people who were baptized Roman Catholic find themselves not too engaged with their faith or with the Church community. Some say they are no longer Catholic, others say they are but aren't too involved in terms of their time … Continue reading
Posted in Alienation & Belonging Tagged alienated, Catholic, Disaffected, fallen away, non-practicing, returning Leave a comment
Silicon Valley Catholic – reflections from the trenches
For a year or two, I have considered starting a blog about being Catholic in Silicon Valley. We have a rich and diverse Catholic community here, some interesting local church history, a few challenges that aren't found everywhere else and … Continue reading
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If you have any questions regarding the application process, please reach out to Rav Stechler at 201.335.0633 x1010 or firstname.lastname@example.com.
Melaveh Malka for Prospective Talmidim
Prospective talmidim are invited to the yeshiva on Motzei Shabbos, October 28, 2017, from 8:30-11:00 pm. The yeshiva is located at 70 Sterling Place, Teaneck, NJ 07666. Talmidim will meet rebbeim and teachers, enjoy delicious food, and may swim, use our fitness or basketball gym or enjoy optional shiurim. Please come in Shabbos attire, and bring basketball/swim clothes to change into.
To pre-register for the Melaveh Malka visit www.heichalhatorah.org/melava-malka.
Open House for Prospective Parents
Prospective parents are invited to the yeshiva on Sunday, November 5, 2017, at 7:00 PM.
To pre-register for the Open House visit www.heichalhatorah.org/openhouse.
- Apply Online Here
- Apply by Mail: All applicants should send the following to Heichal HaTorah
- A completed application
An application fee of $250. Checks should be made payable to Heichal HaTorah, with the name of the student in the memo
- A picture of the student
- A copy of your son's current immunization record
- A copy of your son's 7th and 8th grade transcripts and any standardized testing results from 6th grade and on.
- Applications are due November 30, 2017.
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Please reach out to Mrs. Beth Held at firstname.lastname@example.com or 201.335.0633 x1030, to schedule a private meeting for you and your son with Rav Stechler and Rabbi Malavsky at the yeshiva. You will have the opportunity to tour the yeshiva. Your son should prepare a sugya of his choice to read inside the Gemara.
Parents and talmidim will be informed regarding the status of their applications in early January.
Tuition and Financial Aid.
Annual tuition for Heichal is $18,000, plus a $1,000 Building Fee, a $400 Dinner Fee and a $500 student activities fee. To request financial aid, please visit https://www.yeshivahaid.com and create an account. Your financial aid application must be completed by March 15, 2018.
Please note: In the past, the yeshiva has covered the cost of transportation from neighborhoods outside of Bergen County. However, no decision has been made as to whether the cost of transportation will continue to be covered by the yeshiva. The yeshiva will arrange transportation from most areas where students reside.
If you have any questions regarding the application process, please reach out to Rav Stechler at 201.335.0633 x1010 or email firstname.lastname@example.com.


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Ottawa is legislating away a backlog of 280,000 applications made before 2008, saying it's a necessary part of modernizing the immigration system.
Kenney said it wasn't fair to have people wait years for a decision on their application.
"We have to get to a fast system that connects employers with immigrants by bringing them in in a matter of months. We won't get to that fast system unless and until we deal decisively with the old backlog that we inherited and that's why we're taking this difficult but necessary step," Kenney said in Regina on Friday.
Some would-be immigrants announced this week that they will take the federal government to court over its decision to return their applications.
Toronto lawyer Lorne Waldman said he was immediately flooded with emails by people who were furious about the changes. They'd followed all the steps they were told to take to come to Canada, only to be pushed aside, he said.
Kenney said that's not the case.
The minister said those who are having their applications and related fees returned can reapply under new criteria established for the skilled worker program.
"We're not tossing anyone aside. We're simply making a responsible decision to get to a fast system by reducing this huge backlog and the seven-, eight-year wait times," said Kenney.
"Every one of those folks is more welcome to apply for our new and increasingly flexible immigration programs. If they want to come to Canada and they're qualified, they will, and they'll be able to come in more quickly under the new system that we're developing."
The seven-year backlog represents people who applied to get into Canada before Kenney rejigged the federal skilled worker program to fast-track applications from people the government feels can fill holes in Canada's economy.
Kenney said the government stands behind the legislative action to eliminate the backlog, despite any legal challenge.
"In terms of court challenges, we've always anticipated there'd be some immigration lawyers who try to make a buck by suing the government. That happens to us all the time, but we're very confident of our legal position," he said.
"This legislation has been closely examined by the Department of Justice and we believe it's lawful, it's fair and it will survive any judicial challenge."


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This book is a companion book to the Lunar Chronicles series (you can see my reviews of the previous books here and here). In it, the evil queen Levana's backstory is explored, and we get to see how her past ties in with the current battle between Levana and Cinder and her friends.
The book reveals a lot of Levana's past, and we get a good look into her twisted mind. What I enjoyed most about this book is that even though we get Levana's backstory, she still isn't too sympathetic. We see Levana's love, and her true appearance, but we also see how, even though she's had some hard times and truly wanted to be a good queen, she never related to others' emotions or understand how her actions and manipulations truly affected those around her–even those she cared about.
Although I had heard some mixed reviews about this book prior to reading it, I think it definitely deserves a place with the rest of the Lunar Chronicles books. It gives the reader a deeper understanding of the events in Cinder, Scarlet, and Cress, as well as a look into the mind of a villain.
Rating: Pretty Darn Good


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