Derek Garriock

Join the Community

22,929

Expert opinions

43,831

Total members

419

New members (last 30 days)

199

New opinions (last 30 days)

28,965

Total comments

Join Sign in

Innovation Director

Experian

Member since

04 Nov 2013

Location

Edinburgh

Bio

Leading strategy and solution design for Banking, primarily focused on developing capability to enhance customer experience across our core divisions, supporting the major global banks, wealth, life & pensions businesses to develop innovative ways to help manage credit risk, prevent fraud, target ma

Experience

Innovation Director

Experian

To Present

Show all experience

Latest opinions

Navigating the best path through the fire hose of data

We’re all living in a data-rich world with a non-stop fire hose of personal information. The challenge faced now relates to the accurate and critical analysis of the constant flow of data we’re presented with. Understanding it delivers key insights into how to effectively reach, prospect, win, retain and appropriately serve legitimate customers. ...

17 December 2015

Money is an important issue for the majority. Consequently, where a person banks is too.

With new entrants joining the banking world, individuals have more choice, and there is increased competition for the sector. However, for new entrants, encouraging people to switch to them from the established providers will be no easy task. Our recent research found that 70 per cent of UK adults still ‘trust’ a traditional bank or a building soc...

14 May 2015

Will smartphone payments outpace credit and debit cards by 2020?

Recent research has suggested that by 2020, credit and debit card payments will no longer be the preferred method of payment, with paying by smartphone taking over. If this expectation becomes reality it will signal a remarkable milestone in the meteoric rise of the smartphone. While cash and card payments still currently dominate, there is a la...

30 April 2015

See all 8 opinions by Derek

Latest comments

Will smartphone payments outpace credit and debit cards by 2020?

The research mentioned was a consumer survey from Experian in conjunction with Opinium Research looking at consumer attitudes to payments technology. The omnibus survey was conducted amongst 2000 people and was split evenly throughout different regions in Britain to give a nationally representative sample. While obviously this is just a snapshot of consumer attitudes to payments I felt the point on smartphones was an interesting topic for further analysis and one that might spark some debate

https://www.experianplc.com/media/news/2015/one-in-three-uk-adults-believe-that-smartphone-payments-will-outpace-credit-and-debit-cards-by-2020/

01 May 2015 09:14 Read comment