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John Bertrand

MD
Tec 8 Limited
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03 Apr 2020
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Banking, securities, payments and technology expertise gained at Citigroup, IBOS, FIS, SAP and Cognizant. Managed a wide range of skilled professionals, at every level, strategically and tactically. Sold and implemented £500 million in contracts. Would like to lead, advise or regenerate/create activities in this space. 

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MD
Tec 8 Limited
To Present
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Latest opinions

John Bertrand

Welcome to Tokenisation, the new digital financial world and FCA:

Tokenisation is transforming how financial systems handle value, ownership, and trust. As legal and technological frameworks mature, it will underpin the next generation of digital finance — connecting traditional banking with Distributed Ledger Technology innovation. In the last months Digital UK Gilts used to stabilise FX trading between major ...

15 October 2025 Tokenomics

John Bertrand

Stablecoin Renaissance for Financial Services

The new stablecoin regulations in the US, Wyoming, and Hong Kong represent a significant shift toward ongoing monitoring rather than periodic compliance checks. The HKMA's requirements now include: Regular customer information updates Continuous transaction monitoring for suspicious activities Periodic risk profile reviews The penalties are subst...

25 September 2025 Banking Strategy, Digital and Transformation

John Bertrand

Stablecoin - Impact on Financial Services

Under the regulations of the US’s first Stablecoin, Frontier, there are three parties: Commissioner (Wyoming State), Licensed Service Providers (LSP) and buyers. The goal of Frontier is to available to anyone with a digital wallet regardless of location and time of day. The Frontier is backed by high quality and liquid debt to stay at par with the...

20 September 2025 Artificial Intelligence and Financial Services

See all 74 opinions by John

Latest comments

Core Banking Systems evolution to cloud technology

Igor - thank you. At the moment there is much activity around instant payments - the move to near real time and the addition to verify the true bank account owner. As instant payments goes international the ability to provide exchange rates for FX and crypto can become components within the cloud offered by trusted, regulated suppliers.

The use of standard APIs (Application Programming Interfaces) are becoming common as they act as a bridge between the new and old systems. They recieve and input data from the legacy core with minimum interferrance. Over time to meet growing digital banking customer requirements components can replace the existing core.

Many banks now have API departments so the old systems can be unlocked. As the majority of banks operate on overnight batch proofs the abilty to know the accurate bank balance is difficult. This was solved in the early days of faster Payments by running end of day routines multiple times. APIs will help accessing customer files that are out of sync with production.

Enjoyed your comment, see graphic: Then and Now

08 Jun 2025 11:28 Read comment

Fraud is not just financial loss

Jonathan - many thanks for the incisive input and comments below:

Fair comment on banks and some PSP. Both traditional and new banks along with PSPs can treat scammed customers insensitively. 

Agree on the £30K limit - its a WAG (wild arse guess).

The figure of £415K is being treated by the PA and its financial influences as a scare tactic. Complete nonsense as you rightly point out there is a review before money is paid away. Also the scammers would be at this level (and beyond) if it was a market possiblity.

I like the £100 excess option as it gives the bank/PSPs the opportunity to show compassionate on the first instance. As scammers swap 'live' names (e.g. saying take me off your list you are added on), the probability is high for another scam.

Given the PA mission is: "...helping almost 300 companies enhance their commercial interests, ... solve societal problems..." the first by delaying mandatory refunds saves bank/PSP £230 million/year as the customers carries on paying for the scammed amount. The contribution to solving societal problems is an oxymoron.   

 

03 Sep 2024 12:56 Read comment

Future of Payment Review – who will pay?

Ketharaman - good long term positioning for the big American companies as India's international instant payments grow, where payment and FX fees are allowed, revenues will flow. 

 

 

29 Apr 2024 13:07 Read comment

See all 11 comments by John

John writes about

  • artificial intelligence
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John's opinion archive

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