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As overused as the word "innovation" may be, it's still an important concept to the financial services industry, where nimble newcomers can easily crop up and steal market share with the clever use of new technology and new communication outlets such as Twitter and Facebook.
Royal Bank of Scotland (RBS) has posted a £1.4 billion pre-tax loss for the first quarter of 2012, compared with a loss of £116 million a year earlier and a pre-tax loss of £1.97 billion in the final quarter of 2011.
Mortgages rates are unchanged to slightly lower today, after shying away from multi-month lows yesterday. A weaker than expected employment report helped underlying rates markets start the day off in good territory, but further progress was elusive.
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