As Apple launched its iPhone 5 without NFC, lots of us asked the question: is this just a commercial strategy from Apple, or they simply don’t believe in the future of NFC? Many researchers and analysts are desperately seeking an answer for this question, and I would like to put my bet now. Let’s start from the [...]

2011 has not been an easy year at all: the overall economic situation was hard and several banks had to even reduce their branch networks. The online channel became vital for retail financial services providers thanks to its cost effectiveness. But usually this channel had been created as a service channel and now it has [...]