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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 In conven­tional (and outdated) under­standing, design is something that is brought into play by management to perform a partial task, such as product design or adver­tising, packaging, etc.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. But […]