John Bertrand

John Bertrand

MD at Tec 8 Limited
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Bio Working with large banks and FinTech companies to provide banking with business solutions for the digital age across transactional banking. Covered many aspects of banking including FX, MM, payments, real time activities including liquidity. Holistic reviews of cash management for bank and client, both retail and business, direct corporate ERP bank linkages and Open Banking/PSD2. (Please see 'A Step by Step Approach' to Open Banking and You'. ( Includes the new technologies (Blockchain), digital money (cyber currencies) and security against cyber-crime. Career History Extensive expertise and management in banking and technology, from both bank and IT supplier experience: Citi, Misys (Finastra), FIS global, SAP and Cognizant.


Innovation in Financial Services

Banking Fraud review 2017 to 2021 and 2022 glimpse

05 Jul 2022

Scammers are after your money in your bank account and the latest UKFinance Fraud Report 2022* generated newspaper headlines below: “Britain is £3bn fraud capital of the world: Probe reveals 40m Britons have been targeted by scammers this year... but just 2% of our police are investigating the crime plague”** In fairness, bank fraud – Credit Cards,...

Banking Strategy, Digital and Transformation

Long Finance – The Future of UK Fraud (

27 Jun 2022

The observation that “The International nature of fraud is not just on the rise, rather it is endemic” sums up the Future of Fraud in a compelling and disquieting manner. There are no simple answers. Imagine in Victim’s Narratives, from the year 2032, “her bank refuses to accept any liability”. This suggests over the next 10 years, “fraud remains ...

Financial Services Regulation

Scammers are Organised, Persistent and Digital

06 Jun 2022

On seeing what looked like a factual internet reporting on Jeremy Clarkson on Day Time TV making money investing in a company using algorithms, a colleague and I agreed to go 50/50 on the €250 initial minimum investment. After filling in the questionnaire, the scammers called me on the number below and took the €250 fee. Upon re-calling the number...

Digital Bank Transformation

Burglaries and Cheques are Disappearing

07 Feb 2022

Burglaries and cheques have since 2019 declined 36% and 47% respectively. Since 2019, Faster Payments and APP Fraud have increased by 34% and 73% respectively. These trends show that APP Fraud scams will exceed burglaries before 2024. In 2020, APP Fraud created over 200,000 cases. However this figure does not include 40% of APP scams not reported...