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Global Banking & Finance Review
History repeating itself? The great bundling debate

By Pat Patel – Global Content Director Money20/20

When I hear the word bundle I tend to get catapulted back to my childhood, back to the school playground, when the word ‘BUNDLE’ was shouted and you ran. You either ran to jump on the poor soul who was about to be bundled or ran away from the scrabbling mob bundling you. Now onto financial services. This story is about whether we are heading to or from (or in fact back to) a good old-fashioned bundle.

The Financial Services playground has experienced a movement towards, then away and then towards bundling in recent years all driven by insurgents. While the majority are scaleups such as Zopa, TransferWise, Robinhood or even Square, some are consumer internet companies such as Amazon and Alibaba (via Ant Financial). Moving from specialism to diversification in the quest for scale. But how do these insurgents make the unit economics stack up?

Bundling since the dawn of banking

In the beginning, banks built out their product offerings akin to ‘a supermarket’ for all financial needs (within reason). Cross-selling and cross-subsidising were key and banks capitalised on their strength of brand and the consumer and political need for trust. Scale and unit economics could be achieved and large players dominated their domestic markets and grew internationally.

As this trust deteriorated during the financial crisis, alongside a demand for better products and choice, the door opened for startups to offer niche products that were either cheaper or easier to use, leveraging their agility and new technology. By leveraging mobile app stores, open APIs, cloud infrastructures and…

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The future of mobile security in banking

By Michael Flossman, Security Researcher at Lookout

What security challenges will the banking industry face over the next few years?

The use of mobile in all aspects of life is growing, from the near daily use of banking apps through to accessing work remotely, so it’s become a viable, and currently very profitable, channel that hackers can target in order to steal sensitive data. Over the last several years we have seen threat actors expand their traditionally desktop focussed arsenals to now include a mobile component. This was the case with the actors behind the successful SpyEye and Zeus desktop families who released Spitmo and Zitmo respectively. It isn’t just the established cybercriminal gangs that are breaking into the mobile space, we’re also seeing a number of new players deploy mobile banking trojans like BancaMarStealer / Marcher, Cron, and MazarBot. Leaked source code for an earlier banking trojan known as GMBot has meant that the barrier to entry for threat actors looking to have a mobile capability is quite low.

It’s now more critical than ever that banks upgrade their cybersecurity measures to include mobile, so end users are protected regardless of the channel they use to bank with.

How do these attacks work?

It tricks the user by introducing an overlay, essentially a fake login page which looks identical to what a user would see when browsing to the…

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