I’ve always been in banking and finance, working in UK, Canada, and US.
I am happily with Equitable Bank in Toronto, Canada (pardon the site – more to come). My role is Digital Channel Strategy & Management. Also more to come on that.
Previously I co-founded CommunityLend that offered P2P lending in Canada. The P2P business line was too constrained by Canadian government regulation so that company has successfully moved on to other and greener pastures in retail financing through FinanceIt.ca.
I am focussed on creating the optimal experience for payments, online and mobile banking.
The views, opinions, and information within this blog are my own, and do not reflect those of my employer. I see this blog as an extension of my own daily learning, by working with the internet community.
I believe in the power of the internet, because it empowers customers, like nothing that has ever come before it. Its easy to underestimate this change, because its beyond the experience of all of us to date. Internet provides choice, seamless information, seamless communication, and constant simple access. Nothing in human experience has brought those attributes together before.
I believe that Bank channel efforts ought to be first and foremost focussed on internet, and then levered across the other channels. This is the reverse of how many (still most) Banks operate.
This final paragraph is leftover from earlier version of this page, but I am leaving here because I remain unconvinced that all banks have absorbed this.
I also believe the business strategy has to be re-considered taking internet into account. To pretend internet is just “another channel” is a grave error, that most banks encounter. Internet is a highly disruptive technology, and presents a fundamental shift in how we offer banking to our customers.
Some earlier speaking engagements:
Digital Money Forum 2008 – April 23rd/ 24th London.
Forrester Research Financial Forum, New York – June 2007
Apr 19th 2007: Scottsdale, Az web-2_0-and-why-banks-should-care.ppt
Feb 07th, 2007: Geneva, Switzerland
Mar 07th, 2007: Private Webinar, US
Private Webinar for several US Banks, in conjunction with Saber & Associates