financial markets

IBM Design Thinking brings a wealth of innovation to wealth management

Most people who know the name Branch Rickey know him as the president and general manager of the Brooklyn Dodgers who played a key role in helping Jackie Robinson break the Major League Baseball color barrier in 1947. I also know him for something he said several decades earlier. In a speech to a YMCA […]

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Why technology and human creativity are two sides of the same coin?

Preface: Per IBM’s 2015 C-Suite study, “…CxOs believe technology and market factors are by far the biggest of the various external forces buffeting their organizations. CEOs put technology at the top of the list, as they have for the past four years. But now, for the first time ever, the other members of the C-suite […]

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Accelerating Blockchain Transformation

In March of 2016, I testified on the revolutionary nature of blockchains before the U.S. House of Representatives’ Energy and Commerce Subcommittee on Commerce, Manufacturing & Trade. Since that time, blockchains have continued garnering interest across multiple industries from banking to health care, and have been explored for quite a few additional use cases. IBM […]

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Combating cybercrime in the 21st century: Financial services firms are learning how to fight back

The cat is out of the bag. When a new cyberattack occurs that is successful and garners attention in the news cycle, you can almost guarantee it will happen again. Why?  It is a combination of several elements. First the author of the original hack is motivated to re-use the tools, techniques and methods because […]

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Banks Employ Cognitive Automation and Gamification to Personalize Services

How much money should I save and how should I invest my savings in order to retire comfortably? Financial advisors and wealth managers hear this question regularly. Yet, answering this common and seemingly simple question isn’t easy. In fact, the most experienced investment advisors say it is a delicate and onerous process because the response […]

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We Need Consensus on the Best Approach to Consensus

As has been noted elsewhere, the Hyperledger project is experiencing spectacular adoption and growth as the combined benefits of a permission blockchain fabric grounded in open source and open governance is even more widely recognized.  Indeed membership has risen from 30 to more than 80 participating firms now including DTCC, JPMC and CLS. One of […]

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Blockchain for Financial Markets: The next big thing or no big thing?

The application of blockchain in financial markets has caught a huge wave of publicity over the past few months. Stories on distributed ledger technology have graced the pages of major media such as Financial Times, Forbes and Fortune, along with countless financial industry publications. The questions I get most often are along these lines: is […]

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Creating Long-Term, High-Value Banking Customers With Micro-Segmentation

All companies, especially financial services firms, use micro segmentation to fine-tune their marketing based on unique circumstances. For example, a couple considering purchasing their first house has different needs than a couple saving for retirement. But that’s a pretty wide segment, and there can be a lot of variations within those groups. How do you […]

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