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John Cragg

Chief Executive Officer
MYHSM
Member since
16 Jun 2020
Location
Aylesbury
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Followed by John Sims, Martha Boyle and 5 others you follow

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Chief Executive Officer
MYHSM
To Present
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Latest opinions

John Cragg

You're a fintech, I'm a legacy Bank - how can we collaborate?

It was only a few months ago that Jamie Dimon, CEO of JPMorgan Chase, declared that banks should be “scared s***less by fintechs”. It’s no surprise either as over the last decade the fintech industry has been thriving with new technology paving the way for financial institutions. A rise in electronic payments and a preference from customers to han...

17 March 2021 Fintech

John Cragg

Are challenger banks challenging banking?

No longer new entities in the banking space, challenger and neo banks are now acquiring significant market share in the banking world. In fact, the Compound Annual Growth Rate (CAGR) of these banking sectors currently stands at 46.5% - a not so insignificant portion of the market. And with this set to increase further – to over $394m by 2026, no l...

18 November 2020 Fintech

John Cragg

Every cloud provides a silver service, but which one is right for you?

‘Cloud as a Service’ is the term that often goes hand in hand with ‘cloud migration’ – both of which are now becoming more mainstream due to the cloud’s scalability and hyper-efficient cost benefits. Companies leveraging the cloud can focus more on core business operations and avoid spending time and resources on processes and infrastructure, whic...

10 November 2020

See all 9 opinions by John

Latest comments

What's stopping financial institutions from using the Cloud?

Hi Jamie, thanks for your comments, as we are only offering Payment HSMs as a service we do not hold or control any Data at all and therefor do not come under the control of jurisdiction. The payment HSM process is a challenge and response, where the HSM processes a command and returns a response. There is zero data held or stored and the communication is all over TLS. For my part, as with so many evolutions I firmly believe this will become the norm once people look at the solution in detail and accept that outside organisations can offer solutions that are at least as secure as inhouse offerings. I think the point you make is more around where the Payment Application sits  which is in the cloud and this could be a concern under.   

10 Jul 2020 16:36 Read comment

John writes about

  • security
  • payments
  • regulation & compliance
  • retail banking
  • cloud
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  • covid-19

John's opinion archive

  • 2021 (1)
  • 2020 (8)
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