22 February 2018

Jeremy Light

Jeremy LightIndependent - London

New Payment Trends for 2018

19 February 2018  |  3129 views  |  0 comments | recommendations Recommends 0

With 2018 well underway, I have had time to reflect on what to expect in the ever-changing world of payments this year. My reflections are split into New Trends, Growing Trends and Ongoing Trends, with this blog focusing on the New Trends. These are the trends that may be familiar to some, but are becoming established and are likely to become evide...

TagsPaymentsInnovationGroupDigital Banking Trends
Jeremy LightIndependent - London

Valuing Bitcoin and Cryptocurrencies

08 January 2018  |  5314 views  |  0 comments | recommendations Recommends 0

A key measure of the size of the Bitcoin network is the hash rate*, the combined computing power of the miners operating the network. If the value of a network is dependent on its size, we should expect a correlation between Bitcoin's market capitalisation (the total number of bitcoins in existence x the price) and its hash rate, and for this to h...

TagsBlockchainPaymentsGroupInnovation in Financial Services
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Jeremy Light
Jeremy LightIndependent - London

Is Bitcoin a Store of Value or a Payment System

13 November 2017  |  8467 views  |  2 comments | recommendations Recommends 1

It is a while since I have written about Bitcoin, but I continue to be fascinated by it. In particular, by Bitcoin’s ability to endure and continue serenely on in the face of all manner of controversi...

TagsBlockchainPaymentsGroupInnovation in Financial Services
Jeremy Light
Jeremy LightIndependent - London

The Atomisation of Payments Part 2

09 October 2017  |  5359 views  |  0 comments | recommendations Recommends 0

Payments are atomising… In part 1 of my blog on atomising payments, I explained how payments volumes are likely to expand 25 times or more in the future, resulting in trillions of new payments. In p...

TagsMobile & onlinePaymentsGroupPayments strategies 2015-2020-2030
Jeremy Light
Jeremy LightIndependent - London

The Atomisation of Payments Part1

02 October 2017  |  4345 views  |  0 comments | recommendations Recommends 0

Payments are atomising.. In my view, electronic payments will accelerate dramatically over the next decade, driven by the "atomisation of payments." New business models are emerging, enabled...

TagsPaymentsInnovationGroupFuturistic Banking
Jeremy Light
Jeremy LightIndependent - London

An alternative RTS for strong customer authentication

31 July 2017  |  5267 views  |  0 comments | recommendations Recommends 0

The PSD2 regulatory technical standards (RTS) for strong customer authentication and secure communication are proving difficult to finalise. With the EBA rejecting the EC's amendments to its final dra...

TagsPaymentsRisk & regulation
Jeremy Light
Jeremy LightIndependent - London

Sleepwalking towards a cashless society

06 February 2017  |  4876 views  |  1 comments | recommendations Recommends 0

In the UK, last year I estimate there were roughly 3 billion contactless transactions. This year, I predict this number will rise to 6 – 9 billion contactless transactions*. This is a huge increase an...

Jeremy Light
Jeremy LightIndependent - London

The three Cs of PSD2 success - compliance, collaboration and consent

23 January 2017  |  6976 views  |  1 comments | recommendations Recommends 0

The measures in the PSD2 (and in the UK, the CMA banking remedies) to open up consumer banking data to third parties will undoubtedly lead to new innovations and consumer benefits, but I see three cha...

TagsPaymentsRisk & regulation
Jeremy Light
Jeremy LightIndependent - London

PSD2 APIs and the risk of fraud

10 January 2017  |  8870 views  |  2 comments | recommendations Recommends 0

Card-not-present (CNP) fraud is a big problem and is getting worse. It is possible its severity and the way it is outpacing ecommerce growth have influenced the drafting of the PSD2 and EBA RTS and de...

TagsPaymentsRisk & regulation
Jeremy Light
Jeremy LightIndependent - London

Bitcoin, a Living Service

14 November 2016  |  8329 views  |  1 comments | recommendations Recommends 0

I was asked recently why Bitcoin is becoming popular with millennials. To answer, I have three points. First, Bitcoin works. As the Bitcoin evangelist, Andreas Antonopoulos pointed out in a tweet rece...

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