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Jose Carvalho

How fintechs can keep a handle on costs

Small and medium sized enterprises (SMEs) now spend an average of £1 million (£1,016,194) each on business expenditure every year, according to new research*. The biggest costs in this annual shopping...

17 Jan 2018
Myles Stephenson

Seven things you probably should know about PSD2, but were never told

January 13 was the deadline for the much-anticipated Second Payment Services Directive, or PSD2, to become national law in EU Member States. In the UK, PSD2 was implemented within the 2017 Payment Ser...

16 Jan 2018
Open Banking
Rolf Hauge

Upgrade your banking software like TESLA

There’s a lot about TESLA’s way of doing business I admire; especially when I think about what it could bring to the world of financial technology. I don’t mean a banking system powered by lithium-ion...

15 Jan 2018
Transaction Banking
Conny Dorrestijn

Open Banking 13 Jan 2018 - 'Danse Macabre' or Tango for Banks and Fintech?

Now that the floor is nearly open for true open banking in Europe as a result of the passing of the PSD2 kick off date this Sunday, observers sit tight to see the scene unfold. Will we be enjoying a D...

12 Jan 2018
Open Banking
Guillaume Pousaz

PSD2: A new dawn

This week, the second Payment Services Directive (PSD2) will overhaul the European payments landscape. The new legislation will essentially force banks to open up their data, allowing third party prov...

11 Jan 2018
Open Banking
Steve Cook

Biometrics and the Window of Opportunity

2018 will be all about Digital Identity. I am sure everyone is aware that the revised EU Payment Services Directive (known as PSD2) comes into force later on this week. Within the new PSD2 regulation...

09 Jan 2018
Digital Banking Trends
Jeremy Light

Valuing Bitcoin and Cryptocurrencies

A key measure of the size of the Bitcoin network is the hash rate*, the combined computing power of the miners operating the network. If the value of a network is dependent on its size, we should expe...

08 Jan 2018
Innovation in Financial Services
Bob Lyddon

Predictions for the Payments industry in 2018: the global Remittances business

This is the fourth and final one of our four predictions for the Payments industry in 2018, and it is about the global Remittances business. We all know that this area has been badly hit by “de-riskin...

02 Jan 2018
Transaction Banking
Charmaine Oak

Apple Pay Cash and the matter of trust

Over more than a decade now we have seen the launch of mobile wallets and prepaid cards, the high hopes for them and an often lukewarm response from the customer, followed by a phased withdrawal. I ha...

02 Jan 2018
Innovation in Financial Services