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Liquidity is defined as having the availability of a product or market to a large sustainable audience. This is not the exact definition, but it's relevant for this discussion. Like almost any succes...
The revised EU Payment Services Directive (PSD2) has been a focal point for the financial services industry over the last couple of years and its adoption is set to revolutionise the payment ecosystem...
PSD2 is currently the hot topic in the payments industry in Europe. One of the main changes is the creation of new payment actors: Third Party Providers (TPP). We will witness several non-banking enti...
Following the US and UK models, RBI is all set to jump on the bandwagon of regulating the P2P space with strict guidelines. The norms being finalised are expected to release in a few weeks, how are th...
Last month the finance ministry announced that Britons could save hundreds of millions a year as credit and debit card fees added to payments will be axed from January 2018. The total value of surchar...
SWIFT is to the payments industry what taxi cabs are to travel. Old, slow and likely to hit your wallet by taking you on the scenic route to your destination. Why? Why not. What’s your alternative? Fo...
It is no secret that insurance and insurers, as we traditionally know them, have been facing many challenges. This is due to the emergence of the new-age disruptive technologies that are altering the ...
There is no doubt that retailers recognize the value of knowing their customers better. Whatever the merchant sector, geography, or business model, understanding customer buying habits, payment and ch...
Like you (no doubt), I’ve read countless articles discussing the business case and challenges associated with delivering real time payments. There’s a lot of focus on what new innovative products can ...
In recent years, there have been numerous headlines hailing the rise of a new breed of financial technology players and the downfall of incumbent banks. However, to what extent has this been the case ...
In Part One I wrote about the problem with the UK banking model and why it undermines the UK economy. In summary, banks need to lend to make their current account model work; this helps a lot of peopl...
If data is the “new oil,” could GDPR be a blockage in the pipeline? Admit it, phrases and jargon are so overused in our industry that they become annoying. The latest one is “data is the new oil.”...