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Jacob Mallinder

Hi, I'm Jacob, the Editor for our Online Content. Feel free to email me at editorial.dept@finance-monthly.com if you have any questions or interesting content to send over!

Articles by Jacob Mallinder

Banks Need to Smarten Up Their Act… With Data

25th April 2018
Banks are increasingly using your data intelligently and effectively. Let’s find out how far they can go. Julius Abensur, Head of Industry and Financial Services at Relay42, explains. Technology has advanced at a rapid pace in banking and our demands have changed, making our data – and banks using it properly to benefit us – […]
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Your Thoughts: China's Unprecedented Economic Growth

24th April 2018
China has been beating its currently forecast growth rate. According to official data, China's economy grew at an annual pace of 6.8% in the first quarter of this year compared to the same period in 2017. Over the past year China has seen national economic growth that is unparalleled and unprecedented worldwide. This week Finance […]
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The Front Lines of Business: Why It’s Dangerous to Overestimate the Role of Automation

23rd April 2018
“In the future, robots will be doing our jobs for us” is one of the most common sentences we hear from futurists, business people and technology leaders. Below Richard Acreman, Partner at WM Reply, discusses the overvalue of automated processes and the future of ‘robots’ on the front lines of business. There are variations on the […]
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Biggest Banks Quit Financing Controversial Keystone XL Pipeline, Only Barclays Left

23rd April 2018
HSBC has today confirmed that it will no longer provide project finance for new tar sands projects including the construction of any tar sands pipelines. This policy would exclude HSBC from providing project financing for the Keystone XL and Line 3 Expansion pipelines. HSBC also stated that its overall exposure to tar sands will reduce […]
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What Happens When a Bank and a FinTech Join Forces?

20th April 2018
FinTech companies have been the foundation of innovation in the payments and financial services sphere over the past decade, whilst legacy financial institutions, such as banks, have struggled to keep up. Generally considered in competition with one another, what would happen if FinTechs and Banks joined forces? Prabhat Vira, President of Tungsten Network Finance, explains. Recent […]
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Can Behavioural Science Help Cure the Blight on the High Street?

19th April 2018
The high street is reeling after a winter of ill health. Toys R Us, Maplin, House of Fraser, Claire’s: it seems that even stalwarts of the retail landscape aren’t immune to rising rents, the burgeoning ecommerce market and wavering consumer confidence. Below Finance Monthly gains special insight from Andrew Watts, Founding Partner, KHWS, The Brand […]
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What Are Trade Tariffs and Do They Actually Work?

18th April 2018
There has been a lot of recent news regarding trade tariffs, as America and China impose a number of greater tariffs on a wide range of each other’s goods. Is this all political showboating though, or do they actually have an impact? Trade tariffs were introduced to increase the ease and competition, while decreasing the […]
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Your Thoughts: US Annual Budget Deficit $1Trillion

17th April 2018
With current trade ‘talks’ with China, the US in a not in a great position money wise. According to Congressional Budget Office the US is heading for an annual budget deficit of more than $1 trillion (£707bn) by 2020, on the back of tax cuts and higher public spending. Although these measures may bring ease […]
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Chip and Pin Cards Still Consumers’ First Choice for Payments

13th April 2018
Online research from Equifax, the consumer and business insights expert, shows that using a debit or credit card with a pin number is still the preferred method of payment for 42% of people in the UK. Contactless methods followed at 34%, with the vast majority of these respondents (31%) preferring a contactless card to using […]
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UK Finance Industry Stops £1.4 Billion in Attempted Fraud

13th April 2018
Banks and card companies prevented £1,458.6 million in unauthorised financial fraud last year, equivalent to £2 in every £3 of attempted unauthorised fraud being stopped, the latest data from UK Finance shows. In 2017, fraud losses on payment cards fell 8% year-on-year to £566.0 million. At the same time, card spending increased by 7%, meaning […]
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Does the Middle Market Control Cryptocurrency and the Internet of Value’s Future?

12th April 2018
Cryptocurrency has been arguably the big financial breakthrough of the past few years and in 2017 it really took off, led of course by bitcoin. The potential of such digital currencies and the technology which powers them has created the Internet of Value. But when does control lie within these spheres? While both have created […]
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The Top 5 Technologies Shaping Commercial Banking Today

12th April 2018
From AI to all things IoT, Russell Bennett, Chief Technology Officer at Fraedom, discusses with Finance Monthly the top five technologies that are already making waves in the banking sector. Over the past five years, technology has fundamentally changed how the financial services sector operates. Many retail banks already successfully cater to customers’ digital needs. […]
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