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Keith Appleyard

IT Consultant
available for hire
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17 Aug 2007
Location
Bromley
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

Focussing on IT Strategy and Systems Architecture issues, primarily in the Payment Card Industry - scope is Global. SME on topics such as Data Protection and Encryption.

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IT Consultant
available for hire
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Latest opinions

Keith Appleyard

Barclays On-line Banking deserves better error messages

Yesterday 1st January I logged in to Barclays Internet Banking as usual, to make a payment to a new Payee. When I progressed to submit the payment, I got an error message no.6 "we have technical issues, please try again later". Thinking the service might be down for planned outages on it being New Years Day, I waited 5 hours and tried aga...

02 January 2014 Whatever...

Keith Appleyard

RBS does have robust procedures

I consider myself primarily an RBS Customer, with other on-line accounts at many other Banks including Barclays & Halifax. Overall I am very reassured by the RBS processes, however ..... I do find it a pain that if I need to change the transaction reference to a pre-existing Payee (eg Invoice number), I do have to dig out the Cardreader. When m...

01 October 2013 Whatever...

Keith Appleyard

National Savings and Investments are rather too lethargic

National Savings & Investments : Once you've bought your Premium Bonds online then you are ’obliged’ to register with NS&I’s "Online and Phone Service", ostensibly for your “Security and Convenience”. Until they’ve processed your registration (which has to be done on paper), you can’t access your Account on-line. If you try you ge...

17 April 2013 Whatever...

See all 60 opinions by Keith

Latest comments

Japan facing credit card number shortage

Just been interviewed by BBC World Service on this article [Finextra must be famous!] : I made suggestions as to how they could service this new Rewards system without having to impact the Credit Card schema.

25 Aug 2020 19:43 Read comment

Japan facing credit card number shortage

All Identity numbers are compliant with ISO 7812 mod-10, whether it be the SIM card in your mobile phone, a Payment Card, or a Loyalty Card or a Travel Card.

25 Aug 2020 19:27 Read comment

Japan facing credit card number shortage

The first six digits of a card number identify the Card Issuer. ISO7812 was updated in 2017 to introduce 8-digit Issuer numbers.

With a single 6-digit IIN (or a block of 100 8-digit IINs) there is scope for 999,999,999 16-digit cards (the final digit is a check digit).

So if Japan wants a national reward scheme for the 126 million population (or the 110 million over the age of 15), 12 or so 8-digit IINs would suffice.

Don't panic.

25 Aug 2020 09:33 Read comment

See all 110 comments by Keith

Keith writes about

  • security
  • payments
  • regulation & compliance
  • retail banking

Keith's opinion archive

  • 2014 (1)
  • 2013 (3)
  • 2012 (2)
  • 2011 (5)
  • 2010 (16)
  • 2009 (29)
  • 2008 (4)

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Paul Chetwin

Paul Chetwin
IT Consultant at RBS

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