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At the Connecting Payments conference on Wednesday we celebrated 10 years since the successful roll out of Chip & PIN in the UK. This was the largest coordinated shift in consumer payment behaviou...
As I said on Wednesday, innovation should be about solving real world needs rather than just inventing smart technology. Paying in cheques by photographing them is one of the those innovations that ju...
The guy who invented the first wheel was a great inventor - The guy who saw the need for the other three was an innovator. There is a lot of smart technology invented, but unless it finds the right ap...
For several years I have blogged about how many banks continue to rely on legacy systems and how the latest proverbial straw never seems to break the camel’s back. Now mobile payments and mobile banki...
When a network can be unplugged unilaterally what message does that send to the poor cardholder with the acceptance brand shining brightly on their card? While Visa and MasterCard have successfully po...
This was the famous question asked of Richard “Tricky Dicky” Nixon in the 1960 presidential campaign – implying he could not be trusted. Last week when I was buying a used car, how would I know I cou...
I have just received a letter from Barclaycard telling me that they are not just withdrawing their innovative OnePulse card but are also simplifying their range of credit cards. While the withdrawal o...
"Lets shake on it" - A handshake has always been the way to seal a deal. It is a human interaction, based on trust and relies on the honor and integrity of the parties involved. Last week an...
When the going gets tough ... The cash gets going One item of news that stood out about the citizens of Cyprus struggling to come to terms with their predicament, was that the British government have...
The concern with stories like the recent one in the Telegraph about it being too expensive for the police to arrest a fraudster - so there are no consequences for the card fraud criminal - is that th...
What better way to spend a glorious late summer's day in Paris, than to be locked in the basement of the Marriott hotel for EFMA Cards & Payments 2011. But I can honestly say the day was lit up wi...
The presenters and panellists on day three of EFMA will surely have felt the pressure to deliver after the fantastic first two days of the conference, and I must say that the sessions I attended lived...