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Articles by John Onslow
Rethinking how finance leaders understand credit risk
Credit Management Ask any finance leader how important it is to understand their organisation’s cash position and they will tell you it is vital for determining current and future decision-making. The old adage that ‘cash is king’ applies as much as ever- the more certainty around current and future cashflows the more chance of effective decision-making to drive future success.
Addressing the challenge of non-performing loans
Credit Management Non-performing loans are an essential part of the lending business, and the likelihood of non-repayment is an inherent risk. Risk of loss is part of the credit rating banks assign to borrowers and is, therefore, included in the cost of borrowing. Loan losses and NPLs generally encompass non-performing loans, insolvency proceedings and debts where customers’ payments fail to meet the contractual terms.
Payments are the oxygen of any business
Technology Finance used to be a function expressed in the past tense. Our job was to analyse how the business performed, what happened, what went right and what went wrong. Delays back then were routine and expected. Today, businesses need to get ahead of the curve to compete and stay competitive. As a CFO of a global payments company, my view is that competitive advantage can be achieved by having the best possible payment infrastructure to evolve as quickly as your business does.
There’s comfort in the right cloud
Technology As finance directors look to achieve best value from their business applications by migrating to the cloud, a primary consideration lies in the route they choose to pursue. A cloud migration can provide a flexible solution where costs can be shifted, in varying degrees, from capital expenditure to more predictable operational expenses. For businesses this means a reduction in non-business strategic costs, as well as increased agility and efficiency to support growth.
Retail banking can automate to drive efficiency
Technology Retail banks across the globe serve different customers but face similar challenges that automation enables them to address more effectively than ever. They have masses of data that must be processed with maximum accuracy and high speed as it passes between applications, ATMs, and customers’ accounts. If a bank fails on any of these measures it faces multiple risks, ranging from loss of competitiveness as customers go elsewhere, to a steady diminution of efficiency.
Are technological developments becoming a threat for compliance?
Technology As technology has advanced, it has paved the way for collective business progress, increased efficiencies and generated cost savings which were not previously possible. However, as with any revolutionary disruption, opportunities bring challenges and potential pitfalls which have further implications. These negative ripples can appear in any shape or form, as recently seen by the airport drone fiasco.
Risk-averse firms could suffer from fear of disruptive tech
Contemplating the concept of digital transformation can be an agonising feat for CIOs. Whilst it’s not a new concept, many companies maintain manual or outdated processes despite widespread innovation offering faster, more cost efficient and secure ways of doing business. Moving away from legacy architectures, on-premises systems and waterfall development can be a daunting process for any business, but they need to recognise the benefits digital transformation has to offer.
Revolutionising finance practises with machine learning
Breakthroughs in the application of complex calculations to large volumes of data have enabled machine-learning methodologies to revolutionise business processes in nearly every industry. Some of the more recognised examples of machine-learning applications include personalised Netflix recommendations and related product modules from online retailers such as Amazon and Nordstrom.
The unstructured data challenge for chief data officers
Given the copious volume of data generated routinely, organisations need to draw upon the intelligence, insight and knowledge that resides across the enterprise, to help ensure fully informed decision making on all aspects of managing the business. To support this, organisations typically deploy data warehouses, or even ‘data lakes’.
Tech errors- and fixes leaders need to make
Technology Last year a group of female jobs seekers in the US accused tech giant Facebook of helping employers exclude female candidates. They said 10 companies were using Facebook’s targeting technology to exclude women from seeing ads for jobs at a home security system installer, police department a window replacement firm and others.
Why alternative finance is on the rise
Credit Management Brexit has dominated the political and business headlines for more than two years. Yet still thousands of UK business owners across the country remain unclear on what the impact on their business will be. Regardless of the uncertainty ahead, SMEs are not letting it affect their growth aspirations. In uncertainty lies opportunity, but it will need quick, flexible funding if SMEs are to take advantage before the moment is gone.
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