technology

Why Customers Will Decide The Fate Of Our Banks

This talk was given at TISA‘s Annual National Conference.

Today I’m going to try & walk the walk as well as talk the talk. To be successful, you need to focus on what it is your customers want and how do they want it.

What will separate the winners from the losers in the banking sector, is the ability to recognize what it is that customers want and delivering it.

Likewise, this session will be driven by you. I will do my best to tackle the questions you want answered. So we’ll have a look at what’s going on, why is it happening, how far have we come, where are we heading and what can we do about it?

As well as deliver it in the way you want it – the presentation will be kept short..

Firstly – what’s going on?

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1 Simple Rule To Tell Who’s Naked & How To Avoid Losing Money

“In light of the naked celebrity photos doing the rounds, I’m going to tell you today how to tell who’s really naked in Silicon Valley and beyond.

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Why the Tech Sector is not a ‘Bubble’ & How to Trade it

Published in CityAM (thanks to Liam Ward Proud) and broadcast on CNBC.

cityam (more…)

Stocks Selection – What to Watch…

Finance regulation is like airline security – defending against the last threat – Anthony Hilton, Evening Standard

Source: Alan Caruba's blog "Facts not Fantasy", http://factsnotfantasy.blogspot.com/2010_11_01_archive.html

When picking an investment focus on the ‘R’sRegulation…. Ready for change…. Robust…. and then lets not forget Rotation…!

Regardless of the validity of the above quote, a higher level of regulation should be a serious consideration when picking stocks. Which sectors are most at risk? And what qualities should a company have to be able to flourish in this environment and provide an attractive vehicle in which to invest?

Let’s focus on the 3 ‘R’s which will help guide our way…

REGULATION – Within the financial sector, this may make banks more stable but less profitable….

READY FOR CHANGE – in contrast, those firms able to adapt will flourish (implementing new technologies, entering new economies (e.g. EM), exploiting niche opportunities)

ROBUST – whilst at the same time, the need for a strong balance sheet remains crucial in order to cope with, for example, the previously mentioned less predictable Emerging Markets. In addition, in this credit-starved environment, the firms with cash to burn are in a stronger position to buy cash-strapped competitors and build market share.

Note: The Economist this month published their 2011 themes, one of which summed up the latter 2 ‘R’s by coining a new term – forecasting of the dominance of “Multinationimbles” – combining multinational reach with nimbleness in strategy. Sited as an example was IBM, celebrating its 100 year anniversary this year, shifting its focus from hardware to selling services.

Another stock example: Nokia, originally a paper manufacturer back in the 19th century, with stints in rubber and electricity generation before entering the telecommunications industry. With products winning approval for sale in China, they are continuing to look for the next opportunity from which to profit.

Source: Google Finance

Ok, before we end the article, there is one more ‘R’ to watch, on a shorter time horizon you should be aware of:

ROTATION – out of defensives and into more cyclical stocks as investors gain confidence and put risk back on the table….