Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,140
Expert opinions
43,729
Total members
358
New members (last 30 days)
177
New opinions (last 30 days)
29,030
Total comments
Join Sign in
Follow Unfollow

John Bertrand

MD
Tec 8 Limited
Member since
03 Apr 2020
Location
London
Followers
7
Following
0
Opinions
60
Long reads
0
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. 

Experience

MD
Tec 8 Limited
To Present
Show all experience

Latest opinions

John Bertrand

Social Media Evolution, Philippines and Maria Ressa:

Maria Ressa, Nobel Prize winner, journalist and CEO Rappler (Philippines) In 2004 Internet social media was just getting going. Rappler received information that a Philippines President Election might have been rigged. The status quo’s reaction was to supress any activates around the topic. This was done by attacking the traditional media companie...

15 April 2025 Transaction Fraud Systems and Analysis

John Bertrand

Technology Highlights the Future of Retail and Payments Industries

The technology on show at the Retail Technology Show at Excel, London is a glimpse of the future for the retail and payment industries. Both industries channels have similar expressions of crime being out of control. Shoplifting, online scams and payment fraud particularly Authorised Push Payment (APP) being highlighted. The British Retail Consor...

07 April 2025 Banking Strategy, Digital and Transformation

John Bertrand

Payment System Regulator (PSR) Pioneer work on Instant Payment Scams

Why PS24/7 Faster Payments APP scams reimbursement is needed From 2017 to 2023 Bank/PSPs retained £1.7 billion, an average of £240 million a year of money dishonestly taken out of bank accounts. The holder of the bank account was held liable and could not reclaim their money. Over a million cases reported were reported and a further 40% went unr...

21 March 2025 Banking Strategy, Digital and Transformation

See all 60 opinions by John

Latest comments

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

Accelerating the use of Instant Payments

Ketharaman - reimbursement details are being finalised by the PSR for the UK for consumers and SMEs. Larger companies where revenues exceed £5 million per year are excluded. EU is adding CoP mandates in 2024 so we’ll have to see how euro reimbursements are addressed.

04 Oct 2023 11:00 Read comment

See all 10 comments by John

John writes about

  • payments
  • regulation & compliance
  • retail banking
  • financial inclusion
  • cryptocurrency
  • identity
  • markets
  • financial crime
  • predictions

John's opinion archive

  • 2025 (7)
  • 2024 (13)
  • 2023 (11)
  • 2022 (9)
  • 2021 (18)
  • 2020 (2)

Latest groups joined by John

  • Banking Strategy, Digital and Transformation

  • The future of Payments in Europe

See all groups joined
ShowHide similar members

Similar members

Angelo Caci

Angelo Caci
MD at Syrtals Consulting

Follow Unfollow
Adam Aldikacti

Adam Aldikacti
MD at ANKH Pte Ltd

Follow Unfollow
Sharmil Patwa

Sharmil Patwa
MD at Opus Una

Follow Unfollow
Angela Yore

Angela Yore
MD at SkyParlour

Follow Unfollow
Alastair Rutherford

Alastair Rutherford
MD at ASCENDANT STRATEGY LTD

Follow Unfollow

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre