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Tim Tyler

Little Fluffy Clouds

I was listening to some music from my youth - Little Fluffy Clouds - The Orb - whilst watching the thunder clouds gather outside of my office. We all know that clouds live in the sky, these amorphous ...

07 Aug 2012
Innovation in Financial Services
Tim Tyler

Man The Pumps?

I have just read an article on the Economist linked to by Finextra: "The bank of SMS" - talking about mobile banking across Africa. Even more interesting than the article were the comments...

30 Apr 2012
Innovation in Financial Services
Tim Tyler

The flaws of common ID?

I too would prefer to have a single common method of identifying myself online: a single common avatar that I use across all sites, with a single common (complex and strong) method of authenticating m...

27 Apr 2012
Innovation in Financial Services
Tim Tyler

Your webcam as a credit card reader?

So now you are able to use your very own webcam as a credit card reader. I'm not sure that holding your card in front of your webcam is going to be that much easier than typing in around 20 characters...

02 Aug 2011
Innovation in Financial Services
Tim Tyler

Coupons and Payments - What Do We Have To Lose?

Electronic coupons appear to be all the rage at the moment, with the rush to the front seemingly being led by Groupon. Throwing themselves in to the fight now are Google (with Google Offers) and Face

26 Apr 2011
Innovation in Financial Services
Tim Tyler

Location, Location, Location

So we have heard in the press that iPhones now record location information in a 'hidden' file. Not that Apple are tracking you, just that this information is logged. Lots of people record their loca

21 Apr 2011
Innovation in Financial Services
Tim Tyler

What do you use to pay a credit card thief?

As I read this piece about a teenage cybercrime forum founder being jailed, the above thought came in to my head - "what do the credit card thieves use to pay each other online?". Assume the...

04 Mar 2011
Innovation in Financial Services
Tim Tyler

Freedom to bank via mobile?

I remember when I first became involved in online banking we had to ensure the site was optimised for very low bandwidth connections. One of my very earliest deployments the bank actually went live w

25 Feb 2011
Innovation in Financial Services
Tim Tyler

Mobile P2P: I'm more than just a number!

It is true, we are more than just a number. Unfortunately people don't tend to have unique names - for instance I share my name with the developer of a computer game from the 1980's called "Rep

02 Feb 2011
Innovation in Financial Services
Tim Tyler

Should 'social' mean 'shared'?

I've been considering how banks can leverage social media sites recently, and was not that surprised when looking further that there is very little 'bank' presence in these areas. Having just read the...

06 Dec 2010
Innovation in Financial Services
Tim Tyler

Walled gardens or windmills?

Is there a chance that Apple will push the use of iTunes as a payment mechanism beyond its own virtual store (imagine shopping on Amazon and paying using your iTunes account)? Will Google look to la

01 Dec 2010
Innovation in Financial Services
Tim Tyler

Mobile NFC - Don't Leave Home Without It?

Finally we have seen the impetus required to start the mobile NFC ball rolling. There is a strong likelihood that Apple will announce that the next iteration of the iPhone will contain an NFC chip,

16 Nov 2010
Innovation in Financial Services