Revolution vs incrementalism to design true customer journeys? Despite user experience (UX), user interaction (UI) and related matters becoming more and more ubiquitous in business, the reality is that only 13% of organisations think of the customer journey when structuring themselves according to latest research*. Most Customer Experience (CX) decision …
With mobile payments on the rise, Electronic Money Institutions (EMIs) and Payment Institutions (PI) are to play a major role in facilitating the development of payment services. Brexit isn’t going to distinguish long-established financial services companies from new market players. It will affect equally UK-based EMIs and PIs, and traditional …
Did we just write “A Jedi-like asset manager”? Well, yes, we actually did. Let’s say a hero-like one instead, in case you don’t like laser swords, dark masks and almost impossible-to-fly spacecrafts. We’re sure you got this right anyway! This article is a humble list of ideas you could add …
Where is our planet heading? The larger part of the news you read everyday never shows that we’re actually doing quite well – violence, hunger, war, crisis, pollution, climate change – all of them grab the main headlines and front pages of digital and traditional media. The current outlook is …
Why have Luxembourg authorities implemented the VAT Group regime until now and what does it mean for you, companies and me? The draft bill N° 7278 implementing the VAT Grouping regime into Luxembourg VAT Law was voted on 26 July. We consider this as one of the most interesting developments …
The summer holidays have started and so we take a break to recover from all the pressure and stress. We take time to reflect on our progress, our challenges, and our to-do list. Haven’t you found yourself reimagining the outcome of certain situations if we had reacted differently? Our emotions influence …
Have you heard about the rule of 3? It suggests that, when there is a public conflict, we should avoid sending a third reply. Then, the apology and good intention you may have had when replying the first time becomes an argument. It could even escalate and become a media …
As a private customer when you purchase a good or a service from your supplier, value-added tax (VAT) is generally included in the price. The supplier is collecting and then remitting the amount of VAT to the relevant corresponding country’s tax authorities. For companies operating in the financial services industry …
Our Golden Age Index 2018 shows that the OECD (Organisation for Economic Co-operation and Development) is gradually improving towards a greater engagement of older individuals in the workforce. Weighing an average of seven indicators that reflect the labour market for workers over 55 years, the Index shows that countries like …
In a year marked by the enforcement of several regulations, banks have their hands full. Investor protection (MiFID II), online payment innovation (PSD2), clients’ data privacy (GDPR) are among the regulations 2018 has seen being enforced. The banking sector is also undergoing a significant change when it comes to internal …
