27 July 2016

Matt Scott

Matt ScottNCR Corporation - London

ATM Shimming and The Death of EMV 2

31 August 2015  |  7226 views  |  3 comments | recommendations Recommends 1

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...

TagsCardsPaymentsGroupBusiness Knowledge for IT
Matt ScottNCR Corporation - London

UK Mobile Proximity Payments 2015

10 August 2015  |  5288 views  |  1 comments | recommendations Recommends 0

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...

TagsCardsMobile & onlineGroupInnovation in Financial Services
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Matt Scott
Matt ScottNCR Corporation - London

Will Host Card Emulation save NFC?

14 August 2014  |  3003 views  |  0 comments | recommendations Recommends 1

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...

TagsCardsMobile & onlineGroupInnovation in Financial Services
Matt Scott
Matt ScottNCR Corporation - London

Pace of Change and Innovation

01 October 2013  |  3057 views  |  1 comments | recommendations Recommends 0

Last Monday (23rd) was Day 1 of the Annual EBUG conference held in London's famous Institute of Civil Engineers. In a way it made me wonder if anyone will be able to Engineer the future of Cards &...

TagsCardsPaymentsGroupBanking Architecture
Matt Scott
Matt ScottNCR Corporation - London

Have Device Will travel

23 September 2013  |  4188 views  |  2 comments | recommendations Recommends 2

Recently, inspired by the upcoming EBUG conference, I felt enthused to try and get a handset with NFC working for payments. Previously i had been "marooned" on an NFC-less iPhone 4S - it had...

TagsCardsMobile & onlineGroupInnovation in Financial Services
Matt Scott
Matt ScottNCR Corporation - London

Mobile Deployment Options 2013

19 March 2013  |  3846 views  |  1 comments | recommendations Recommends 0

Mobile Payments are an increasingly important element of the payments ‘ecosystem’. This is a brief guide on the current options available and their associated benefits and issues. To apply some

TagsCardsMobile & onlineGroupInnovation in Financial Services
Matt Scott
Matt ScottNCR Corporation - London

Loyalty is Pointless without Redemption

04 February 2013  |  3873 views  |  0 comments | recommendations Recommends 0

Okay, so I will admit, I was quite impressed when I started using a certain retailers Mobile Wallet Application (or User Interface Application – depending upon which Industry term you prefer). It was...

Matt Scott
Matt ScottNCR Corporation - London

Ministry of Mis-Information

15 January 2013  |  2680 views  |  1 comments | recommendations Recommends 0

Today whilst perusing the drivel that normally adorns my Facebook updates page I noticed that one of my "friends" was promoting/re-posting a photo of a spoof article regarding PIN Entry whil...

Matt Scott
Matt ScottNCR Corporation - London

UK Consumers prepared to pay for NFC Prepaid

03 October 2011  |  3123 views  |  1 comments | recommendations Recommends 0

In a time of extreme economic sensitivity I was surprised to read details of a Simon-Kucher research exercise which concluded that the average price consumer are willing to pay to load a prepaid NFC e...

TagsCardsPayments
Matt Scott
Matt ScottNCR Corporation - London

Trials and Tribulations with Prepaid Experimentation...

04 March 2011  |  4434 views  |  1 comments | recommendations Recommends 0

Ok, so I've had fun experimenting with the O2 Prepaid Card offering provided by O2/Natwest. I noticed that Orange/Barclays were launching a new Prepaid Card with PayPass - excellent I thought - this m...

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