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Like it or not, Brexit is here to stay. Whichever way you voted on 23rd June, the short-term consequences are starting to become clear – even if the long-term effects of leaving the EU have left opini...
We are still seeing the impact of the post financial crisis regulatory changes taking effect and some very significant parts of it such as MiFID II have not even been implemented as yet. However, we ...
It’s over forty years since Britain went through its last true payment revolution with the decimalisation of the country’s currency system. What was part of our day-to-day lives was gone over night an...
In the second and final part of this blog we will examine the perils of relying on trust in a trustless world and explore the challenges around governance and in not using a tiered transaction approac...
Open APIs could revolutionise the banking sector providing customers with more choice and flexibility while increasing competition between banks and lenders. Just as comparison websites enabled cust
In 2004 the Royal United Services Institute staged a conference, UK Resilience: Joining up the Sectors, whose purpose was to provide a forum for debate on ‘a set of specific issues that have been iden...
Last week I joined attendees at CtrlShift’s Personal Information Economy event, where Elizabeth Denham, the UK’s new Information Commissioner, gave her inaugural speech. Denham’s overriding message i...
The history of payments is best described as a search for simplicity, security and convenience. Coins, banknotes, cheques, payment cards have all been introduced with the aim of making paying for good...
Once again data breaches have made headlines globally, bringing significant negative publicity, impacting consumers who have had their data compromised and prompting the public to question just how sa...
The financial services have always had a complex relationship with cloud computing. Faced with increased competition from fintech players, many retail banks for example, are looking to expand their co...
In one of my earlier blogs I wrote that we are beyond the hype of blockchain and distributed ledger technology. Support in the financial industry and beyond for this technology is accelerating in a r...
The wind of change is starting to blow through financial services. With a few exceptions, customers of banks are quite often an unhappy bunch. Just looking at some of the latest research on current ac...