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Ian BowenPayX Iinternational Ltd - London

CEOs 'Off the Rails'

15 January 2013  |  2527 views  |  1 comments | recommendations Recommends 0

They’re at the top of the tree, they have the POWER, they are paid huge salaries, bonuses and benefits yet we’ve seen a few instances recently where top CEOs have departed their companies in disgrace. So what makes these CEO’s do the things that they have done? I remember seeing a tv programme a number of years ago that was examining whether top ex...

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Ian BowenPayX Iinternational Ltd - London

Interchange Fees - It'll all end in Tiers!

15 January 2013  |  2872 views  |  0 comments | recommendations Recommends 0

If MasterCard’s analysis, published in their Insights paper 1Q2007, of the effects and outcomes of the RBA (Reserve Bank of Australia) intervention into Interchange Fees (ICFs) back in 2002 is to be taken at face value then the prospects for European consumers using payment cards, if MasterCard Europe’s final appeal of the 2007 EC decision on ICFs...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

Have a little sympathy for the Banks .... but not too much

15 January 2013  |  3092 views  |  3 comments | recommendations Recommends 1

The Payment Protection Insurance (PPI) mis-selling scandal that the UK banking industry is still paying for is forecast to be costing them somewhere in the region of £15bn. Is the value of premiums o...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

Fraud: You're only as good as your last prevention.

20 December 2012  |  5848 views  |  0 comments | recommendations Recommends 1

The industry analogy is that fraud is like a balloon, you squeeze the fraudsters in one area and they pop out somewhere else. Sometimes it’s predictable like when chip & PIN was introduced, alr...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

Visa Hungary - Are they are losing their appetite?

20 December 2012  |  5583 views  |  0 comments | recommendations Recommends 1

If the recent article published on the Pymnts web site is accepted then it seems that Visa may be considering an exit strategy from Hungary in the face of substantial, and continuing, market share los...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

The effect of Mega Processors on card scheme fees?

20 December 2012  |  4801 views  |  0 comments | recommendations Recommends 1

It is becoming increasingly obvious to me that the Global and Regional card payment processing organisations have their sights set, if not on world or territorial domination, certainly on ever increas...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

You want to think Outside the Box. Then get Outside the Box!

20 December 2012  |  4979 views  |  0 comments | recommendations Recommends 0

Have you noticed it? I’ve been into countless financial service organisations and a recurring theme I’ve observed in practically all of them is that where staff come together (canteen, seminar, Chr...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

What's the Incentive in being a Super Achiever?

20 December 2012  |  3814 views  |  0 comments | recommendations Recommends 1

Is there any real incentive? As a general rule, though I accept there are exceptions at a corporate level and for certain sections of employees, most financial services companies will cap bonuses an...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

Price Transparency in Banking

20 December 2012  |  3262 views  |  0 comments | recommendations Recommends 0

Don’t let anyone tell you different, price transparency in Banking has come on a long way since my early experiences as a teenager in banking in the 1970’s. I recall being invited to take the printou...

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Ian Bowen
Ian BowenPayX Iinternational Ltd - London

Card Issuers do not refer for the fun of it

20 December 2012  |  3096 views  |  0 comments | recommendations Recommends 0

Both of the international card schemes include in their impressive array of member fee tariffs an assessment fee for Issuers that breach a percentage threshold of authorisation referral responses to a...

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