Kishen Gajjar
  • Male
  • London
  • United Kingdom
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Tell us more about who you are, what you do and where you want to be. What are your main business challenges? (Tip: provide your current Job Title, Industry, company or/and paste your Linkedin profile here). Use as many relevant keywords as possible. Tell us what you can offer the community. What sorts of discussions, events, and activities you can participate in.
Kishen is a management consultant specialising in business transformation and change management in the financial services industry. His focus is on Digital and Mobile and has a keen interest in the future of banking and customer experience in the industry.
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Kishen Gajjar's Blog

Digital banking: Eclipsing the branch, enticing customers?

Posted on June 19, 2014 at 1:57pm 0 Comments

It’s all over the news. Around the world, banks are closing branches and more plan to follow suit. Their reasoning? “Digital is taking over”. However, this presents its own set of challenges. How do banks address them so that they reduce their number of branches, while still delivering compelling service offerings?

This isn’t a recent phenomenon. According to research conducted last year by Nottingham University, the UK’s branch…

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The must of trust: Preserving customer privacy in the age of digital innovation

Posted on February 4, 2014 at 4:29pm 0 Comments

“May I have your data?”

”Depends on who’s asking!”

Banks need data from customers to provide them with a differentiated service. They won’t get very far though, until they establish themselves as responsible and trustworthy in customers’ eyes.

While these individuals are willing to share information for a real benefit—providing historical transaction details to an account for financial planning or tax efficiency analysis, for example—they are less likely to provide…

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Are mobile wallets being made by the wrong people?

Posted on November 5, 2013 at 5:50pm 0 Comments

The leaders in mobile wallet technology? Undoubtedly retailers.  Starbucks and McDonald’s are already building these wallets in response to customer demand.  But with mobile wallet use predicted to rise in 2014, should banks or mobile operators—who are better positioned to offer levels of security customers expect—be building them instead?

The challenge is that the business case for building a mobile wallet shows little direct financial benefit on its own to a bank or MNO (mobile…

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