03 Sep 2016
In my day-to-day work I am constantly surprised that no two individuals have the same definition or understanding for key industry trends, so here is my quick guide to three of the most prevalent: Omni-Channel Beginning a consumer transaction experience on one channel – and interacting with one or more additional channel to execute the transacti...
31 Aug 2015
Sequels are never as good as the original. For the second time in ten years I am drawn to yet another media frenzy concerning the apparent premature death of EMV. Really? The story surrounds a hardware attack in Mexico where the insertion of a “Chip Skimmer”, or “Shimmer” as they are now being coined, fitted between the ICC smartcard reader and t...
10 Aug 2015
A quick review of who has launched widely commercially available open-loop proximity payment (NFC) solutions for the UK market. Firstly there is Everything Everywhere (EE) – they launched Cash on Tap in 2013 which is a slightly evolved version of the initial Orange QuickTap implementation. To get this to work you need: an Android EE Monthly Contra...
14 Aug 2014
Coexistence: Host Card Emulation supports the coexistence between the Secure Element issuance model and the HCE CloudSE and in-software approaches. This leaves an open-door to a shift in approaches or (commercial) attitudes towards eSE and USIM SE issuance. The offline/no-network problem – CloudSE solutions now offer the ability to support a limit...
22 Sep 2020
14 Dec 2019
21 May 2019
15 Feb 2019