28 January 2015

Andy Hunter

Andy HunterPerficiam Ltd - London

Making UK Payments Regulation Work

06 August 2012  |  3058 views  |  1  |  Recommends 0

Government's decision to wind up the Payments Council and vest control in some form of statutory body raises serious issues of governance and commerciality. The underlying assumption that civil servants are better able to determine market preference than bank executives seems an unlikely scenario. State managed Skoda was a constant butt of humour ...

TagsPaymentsRetail bankingGroupTransaction Banking
Andy HunterPerficiam Ltd - London

The Law Of Unintended Consequences

11 March 2012  |  3616 views  |  3  |  Recommends 1

When, in 1984, the marketing team at Midland Bank first removed charges from some personal accounts, they couldn't have guessed at the long term consequences for the UK retail market. At a time when cross sales of new services like mortgages and structured savings products was beginning to drive retail revenues, their objective was to win more c...

TagsPaymentsRetail bankingGroupTransaction Banking
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Andy HunterPerficiam Ltd - London

The innovative world of UK payments

01 March 2011  |  4898 views  |  1  |  Recommends 0

UK politicians often accuse the banks of failure to innovate in payments. The UK Payments Council was at least partly created and empowered to change this position but has so far failed to make its p

TagsPaymentsRetail bankingGroupInnovation in Financial Services
Andy HunterPerficiam Ltd - London

Making Faster Payments work

07 February 2011  |  6434 views  |  7  |  Recommends 1

There was a time when bank marketing departments offered well crafted products delivering genuine value for money, but that doesn't seem to be the case now. Advertising is dominated by savings account...

TagsPaymentsRetail bankingGroupUK Faster Payments
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