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  		<title>Lafferty Group - Latest Articles</title>
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			<title><![CDATA[Australia opts to leave cheques alone]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Australia_opts_to_leave_cheques_alone_4712</link>
            <description><![CDATA[Australia opts to leave cheques alone
The Australian Payments Clearing Association (APCA) has released its report following a public consultation on &ldquo;The role of cheques in an evolving payments system&rdquo; and found that there is &ldquo;no i]]></description>
            <pubDate>Thu, 17 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
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			<title><![CDATA[Barclays upgrades Pingit app]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Barclays_upgrades_Pingit_app_4713</link>
            <description><![CDATA[Barclays upgrades Pingit app
Barclays Bank has upgraded its person-to-person mobile payments app, Pingit.
The free app, launched in February, allows anyone with a UK current account and UK mobile phone number to transfer funds with no need to share]]></description>
            <pubDate>Thu, 17 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
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			<title><![CDATA[JP Morgan losses prompt retail separation calls]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/JP_Morgan_losses_prompt_retail_separation_calls_4707</link>
            <description><![CDATA[JP Morgan losses prompt retail separation calls
The revalation that JP Morgan Chase has sustained a trading loss of at least $2 billion has renewed calls for the separation of retail banking from the investment banking activities of universal banks]]></description>
            <pubDate>Tue, 15 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[Banks record increased customer satisfaction]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Banks_record_increased_customer_satisfaction_4708</link>
            <description><![CDATA[Banks record increased customer satisfaction
Banks recorded a global average of 65 per cent in terms of customer satisfaction, with North American banks having the highest average levels at 80 per cent. Despite this outcome, only 50 per cent of cust]]></description>
            <pubDate>Tue, 15 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[Intesa Sanpaolo ahead in Q1]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Intesa_Sanpaolo_ahead_in_Q1_4709</link>
            <description><![CDATA[Intesa Sanpaolo ahead in Q1
Intesa Sanpaolo, Italy&rsquo;s second largest bank, recorded a consolidated net income of &nbsp;EUR 804 million, compared with a net loss of EUR10,119 million in Q4 2011 (which included goodwill impairment, net of tax, of]]></description>
            <pubDate>Tue, 15 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[SWIFT calls for bolder bank moves in mobile money]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/SWIFT_calls_for_bolder_bank_moves_in_mobile_money_4710</link>
            <description><![CDATA[SWIFT calls for bolder bank moves in mobile money 
In a new white paper, SWIFT has called for banks to make  a bolder moves in the mobile money transfers business and to work together  to deploy a global mobile payments service for international mon]]></description>
            <pubDate>Tue, 15 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/SWIFT_calls_for_bolder_bank_moves_in_mobile_money_4710</guid>
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			<title><![CDATA[Amex launches mobile offer engine]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Amex_launches_mobile_offer_engine_4711</link>
            <description><![CDATA[Amex launches mobile offer engine
American Express has launched what it claims is an industry first mobile offer engine that  recommends and ranks relevant merchant offers in real time for US Cardmembers  based on their spending history and loc]]></description>
            <pubDate>Tue, 15 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
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			<title><![CDATA[Spain takes 45 per cent stake in Bankia]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Spain_takes_45_per_cent_stake_in_Bankia_4704</link>
            <description><![CDATA[Spain takes 45 per cent stake in Bankia
The Spanish government has taken a 45 per cent stake in Bankia, the banking group formed from the amalgamation of a group of Spain's largest savings banks, in an effort to arrest eroding confidence in the aili]]></description>
            <pubDate>Thu, 10 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[HSBC positive on strategy in Q1]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/HSBC_positive_on_strategy_in_Q1_4705</link>
            <description><![CDATA[HSBC positive on strategy in Q1
HSBC's underlying profit before tax in Q1 rose 25 per cent compared with Q1 2011 to US$6.8bn.
"We have had a good start to the year, said Chief Executive, Stuart Gulliver, in an interim management statement. "Reporte]]></description>
            <pubDate>Thu, 10 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[Simple launches iPhone app]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Simple_launches_iPhone_app_4706</link>
            <description><![CDATA[Simple launches iPhone app
Simple is not a bank. Simple replaces your bank. Your funds live in FDIC-insured accounts with our partner bank, The Bancorp Bank, and we provide everything else. Through Simple, you can make purchases with your Simple Vis]]></description>
            <pubDate>Thu, 10 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
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			<title><![CDATA[Mobile payments for unbanked celebrates 10 years]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Mobile_payments_for_unbanked_celebrates_10_years_4702</link>
            <description><![CDATA[Mobile payments for unbanked celebrates 10 years
Zambia's Celpay, the world&rsquo;s first mobile financial service  in a developing economy, is celebrating its 10th anniversary. 
 Celpay&rsquo;s first deployment in Zambia wasin partnership with six]]></description>
            <pubDate>Wed, 09 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/Mobile_payments_for_unbanked_celebrates_10_years_4702</guid>
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			<title><![CDATA[Verifone SAIL takes on opposition]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Verifone_SAIL_takes_on_opposition_4703</link>
            <description><![CDATA[Verifone SAIL takes on opposition
VeriFone has launched SAIL, "a streamlined, cost effective payment-as-a-service  platform that provides business owners and merchants an easy and secure  way to accept payments wherever business takes them". 
SAIL]]></description>
            <pubDate>Wed, 09 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
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			<title><![CDATA[MasterCard announces PayPass Wallet]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/MasterCard_announces_PayPass_Wallet_4700</link>
            <description><![CDATA[&nbsp;
MasterCard announces PayPass Wallet&nbsp;
MasterCard has launched its digital wallet. PayPass Wallet Services is a new global offering for banks, merchants and partners that &ldquo;will make it faster and easier for their customers to make p]]></description>
            <pubDate>Tue, 08 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/MasterCard_announces_PayPass_Wallet_4700</guid>
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			<title><![CDATA[PayPal Here reaches 200,000]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/PayPal_Here_reaches_200000_4701</link>
            <description><![CDATA[PayPal Here reaches 200,000
PayPal Here, the mobile phone card reader aimed at small business, has signed up more than 200,000 merchants in the United States, Canada, Australia and Hong Kong since it launched in March, according to Hill Ferguson, VP]]></description>
            <pubDate>Tue, 08 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/PayPal_Here_reaches_200000_4701</guid>
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			<title><![CDATA[Visa Europe announces V.me launch date]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/Visa_Europe_announces_Vme_launch_date_4655</link>
            <description><![CDATA[Visa Europe today confirms that its new digital wallet service, V.me by Visa, will launch to an initial group of consumers in the UK, Spain and France in autumn 2012.
&nbsp;
Today also sees the announcement of payments processor WorldPay as a key d]]></description>
            <pubDate>Tue, 01 May 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/Visa_Europe_announces_Vme_launch_date_4655</guid>
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			<title><![CDATA[Lloyds back in profit in Q1]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Lloyds_back_in_profit_in_Q1_4656</link>
            <description><![CDATA[Lloyds back in profit in Q1
Lloyds Banking Group made a pre-tax profit of &pound;288 million (&euro;353m) for the first quarter of 2011. This compares with a loss of &pound;3,470 for the same period in 2011 when the bank was forced to make provision]]></description>
            <pubDate>Tue, 01 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/Lloyds_back_in_profit_in_Q1_4656</guid>
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			<title><![CDATA[US customers continue branch exodus]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/US_customers_continue_branch_exodus_4691</link>
            <description><![CDATA[US customers continue branch exodus
The second annual Novantas U.S. Multi-Channel Customer Survey &ndash; &nbsp;The Rise of the Virtually Domiciled, showsthat customer preferences, attitudes, and behaviors &ldquo;continue to shift away from branches]]></description>
            <pubDate>Tue, 01 May 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/US_customers_continue_branch_exodus_4691</guid>
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			<title><![CDATA[A Confusing Ride Along the Path of a Product]]></title>
            <link>http://www.lafferty.com/Cards-Insights/News/A_Confusing_Ride_Along_the_Path_of_a_Product_4693</link>
            <description><![CDATA[A Confusing Ride Along the Path of a ProductThe introduction of new products takes more than designing something that looks right. It requires an alignment of understanding, marketing, education, and strategy to create a truly successful approach.By]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Cards Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Cards-Insights/News/A_Confusing_Ride_Along_the_Path_of_a_Product_4693</guid>
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			<title><![CDATA[Banks v Consumer Goods: Comparative P/E Values]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Banks_v_Consumer_Goods_Comparative_PE_Values_4692</link>
            <description><![CDATA[Banks v Consumer Goods: Comparative P/E Values
In an interview last month with former Citibank Chairman John Reed, the discussion of bank P/E ratios was raised. &ldquo;The measure of the business in terms of financial success should be the P/E &ndas]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/Banks_v_Consumer_Goods_Comparative_PE_Values_4692</guid>
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			<title><![CDATA[US Retail Banking Satisfaction Study]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/US_Retail_Banking_Satisfaction_Study_4657</link>
            <description><![CDATA[US Retail Banking Satisfaction Study&nbsp;
Despite increasing unhappiness with bank fees, overall satisfaction among bank customers in the US remained relatively level over the past year. This year&rsquo;s US Retail Banking Satisfaction Study, condu]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/US_Retail_Banking_Satisfaction_Study_4657</guid>
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			<title><![CDATA[Bank of Ireland]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Bank_of_Ireland_4658</link>
            <description><![CDATA[Bank of Ireland&nbsp;
Bank of Ireland&nbsp;
Bank of Ireland introduced a new mortgage programme for customers who are currently in negative equity. Linked to the Central Bank rates, the new mortgages are in line with regulatory guidelines and will]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/Bank_of_Ireland_4658</guid>
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			<title><![CDATA[Bank of America]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Bank_of_America_4659</link>
            <description><![CDATA[Bank of America
Bank of America

Bank of America, which has pulled back from retail banking, reported better-than-expected operating results for the first quarter. The improvement came thanks to a stronger showing on Wall Street and lower consumer]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/Bank_of_America_4659</guid>
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			<title><![CDATA[FirstRand Bank]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/FirstRand_Bank_4661</link>
            <description><![CDATA[FirstRand BankSouth Africa-based FirstRand Bank launched its retail and commercial banking operations in India. The move comes three years after the bank began its India operations with a focus on corporate and investment banking. The bank, which man]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/FirstRand_Bank_4661</guid>
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			<title><![CDATA[Citicorp's Global Consumer Banking]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/Citicorps_Global_Consumer_Banking_4662</link>
            <description><![CDATA[Citicorp's Global Consumer Banking&nbsp;
Citicorp's Global Consumer Banking&nbsp;
Citicorp's Global Consumer Banking (GCB) division recorded net income of $2.2 billion for the first quarter of 2012. This was an increase of 14 per cent on the same p]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/Citicorps_Global_Consumer_Banking_4662</guid>
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			<title><![CDATA[JPMorgan Chase]]></title>
            <link>http://www.lafferty.com/Retail-Banking-Insights/News/JPMorgan_Chase_4663</link>
            <description><![CDATA[JPMorgan Chase&nbsp;
JPMorgan Chase&nbsp;
JPMorgan Chase reported first-quarter 2012 net income of $5.4 billion, compared with net income of $5.6 billion in the first quarter of 2011. The bank singled out investment banking and mortgage banking as]]></description>
            <pubDate>Mon, 30 Apr 2012 00:00:00 GMT</pubDate>
            <category>Retail Banking Insights</category>
            <guid isPermaLink="true">http://www.lafferty.com//Retail-Banking-Insights/News/JPMorgan_Chase_4663</guid>
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