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Instant Payment is coming in 2018 – will it pay off?

On January 13, 2018, the EU’s revised directive on payment services,  PSD2 , will come into effect. It entails an obligation for banks to make available Instant Payments – i.e. payments in real time – throughout Europe. Money must transferred within 10 seconds and 365/24/7. But what does this mean for financial institutions, retailers, consumers and […]

Why it is time to rethink design – and to reinvent it

Traditionally, creativity has been the domain of artists and designers. In conventional (and outdated) understanding, design is something that is brought into play by management to perform a partial task, such as product design or advertising, packaging, etc. It has been one of many topics on the corporate agenda so far. No less, no more. […]