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Blogs
Chris Brown

Cryptocurrencies: where to from here?

Cryptocurrencies have shown the world a new way of paying for goods and transferring money using an international currency unconstrained by national boundaries and national politics. A new democratise...

20 Sep 2018
Blockchain Observations
Chris Brown

Who else will eat the banks' lunch?

An industry has built up due to the inability of banks to work together directly. PayPal ($70.7B) first came into existence to add a layer of ease and security to the card schemes because the card sc...

15 Sep 2017
Fintech
Chris Brown

Does PSD2 have to be complicated?

There has been a huge amount written about PSD2 recently and much of it appears to be, with the greatest respect, over complicating the issue. Very fundamentally, to provide for all of the requireme...

28 Jul 2017
Innovation in Financial Services
Chris Brown

An upgrade for Credit Unions and Community Banks?

Credit unions have been a hot topic for me this week. I have had two completely independent conversations with people about them. On Tuesday night I met a chap from the US at an investor summit who me...

21 Jul 2017
Innovation in Financial Services
Chris Brown

Banking on a pre-paid card platform

In recent years there have been a significant number of new "neo-banks" or "challenger banks" launched with much hype, here in the UK. Many of these appear to have been brought to ...

14 Jul 2017
Fintech innovation and startups
Chris Brown

What will replace the card schemes?

There has been much talk recently about how card payments will replace cash altogether in the future. I have talked previously about my opinion that the card schemes (Visa, MasterCard, Amex etc)

07 Jul 2017
Innovation in Financial Services
Chris Brown

A new payments network... for a brave new world

As mentioned in my previous blog there is much that's wrong with the existing payment networks, but it is always easy to criticise what others have done and rather more difficult to provide a solutio...

30 Jun 2017
Innovation in Financial Services
Chris Brown

The current payment networks are no longer fit for purpose.

“The current payment networks available to the financial institutions around the world are no longer fit for purpose.” I think that this is a statement that has been generally agreed by all those invo...

23 Jun 2017
Innovation in Financial Services
Chris Brown

Will cards disappear before cash?

In the early 2000s when the internet was still young, Visa, MasterCard and the other major payment card schemes had a choice. They could create a system that made using credit/debit cards on the inter...

16 Jun 2017
Innovation in Financial Services