The challenging economic setting and the significant shortage of skills resources in the local market context is shaping the future of architecture in the modern organization. These realities place a renewed focus on practitioners in architecting for sust ...more...

The challenging economic setting and the significant shortage of skills resources in the local market context is shaping the future of architecture in the modern organization. These realities place a renewed focus on practitioners in architecting for sust ...more...

An organisation’s primary goal is profit maximisation. To enable this, it should provide the market with a product/ service that satisfies a buyer’s want or needs.
There are numerous approaches in achieving this, all of which utilise a blend of mark ...more...

A good strategy needs to define the parameters within which to operate whilst achieving the objectives of the organisation. Tactical decisions need to be made as and when the “unknown” begins to challenge the success of the strategy.

So, if str ...more...

This document answers key questions to retail payment strategy submitted by Nedbank. It provides an overview of the current payments landscape; contemporary key issues in the retail payment space;a highlight of some case studies of best offerings in retai ...more...

Supporting strategic and business planning:
The Enterprise Risk Management framework supports an organisation’s strategy and business plans by assessing risks that may affect the achievement of objectives outlined in the strategy or business plan. < ...more...

Risk management is an integral part of sound organisational management. If an organisation is to accomplish its goals, it is important that it is aware of the events that may prevent it from achieving them. Events can either be risks or opportunities. Eve ...more...

This paper is concerned with the business strategy in managing payment innovations. Particularly, the study looks at the smart card - electronic cash (e-cash) innovation in the financial service industry. The smart card e-cash has yet to overcome obstacle ...more...

Some retail payment systems can be modelled as two-sided markets, where a payment system facilitates money exchanges between consumers on one side and merchants on the other. The system sets rules and standards, to ensure usage and acceptance of its payme ...more...

Vision 2010 is the product of inter-organisational brainstorming, debate and consultation between the South African Reserve Bank, the banking industry and other relevant stakeholders. As new and complex challenges are facing the national payment system st ...more...

Retail banks are finding their profit margins in payments increasingly squeezed. Commoditization, competitive pressure, a changing regulatory environment (particularly within the EU), changing dynamics in channel usage and global initiatives to fight frau ...more...

This is a Federal Reserve Bank of Boston presentation during TMANE Annual Conference May 9, 2007. It comprises statistics and graphics depicting current payments landscape in USA, Federal Reserve Bank of Boston payment initiatives and strategic direction, ...more...

Banks face three notable challenges in developing retail payment systems: integration of bank and customer systems, use of new technologies to improve the efficiency of payment systems, and international standardisation and integration of banking systems. ...more...

As paper-based payments are increasingly replaced by electronic ones, consumer payment practices are shifting. Technological innovations have made it possible for consumers to make timely payments in a variety of venues. Also, tech-savvy consumers continu ...more...

This document is a summary of statistics on Payment and Settlement Systems of 14 selected First World countries from North America, Europe and the Far East. It also includes comparative tables for the countries in the following categories of payments and ...more...