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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...
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...
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...
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...
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...
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...
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...