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Mark Trevor

Social shoppers: why consumer attitudes to cash matter

"Predicting rain doesn't count. Building arks does." - Warren Buffett Cash has been around for over 3,000 years. It's part of any culture's identity. In fact, you can chart the rise and fal...

14 Jun 2016
Retired Member

MasterCard and VocaLink: Welcome to the future of card schemes?

Mobile payments, blockchain, regulation: Card schemes face many challenges but still have time to reposition themselves to maximum advantage if they know where to look For more than 50 years card ne...

13 Jun 2016
Ainsley Ward


I was reading an article a few days ago on the plateau of ebook reader sales and the slow retreat back to paper (here), and of course this lead my thoughts back to our own industry – particularly the...

06 Jun 2016
Trends in Financial Services
Ketharaman Swaminathan

Five Ways For Banks To Boost Credit Card Use

Ever since I got my first credit card in the late '80s, I’ve been a fan of plastic. Rewards, deferred payment and a built-in line of defence from fraud - these are some of the reasons I pay with credi...

26 May 2016
Retired Member

PSD2 Is A Huge Opportunity for Online Merchants

Europe’s Payment Services Directive 2 (PSD2) is due to come into force in January 2018, once all the national parliaments have passed the required legislation. Some commentators are calling it the big...

22 May 2016
Milos Dunjic

Extending EMV To Protect Sensitive Card Data

The EMV has finally come to the US, the largest payment market, which was fully reliant on the outdated and counterfeiting prone magnetic stripe technology. Why is EMV so significant as payment techno...

19 May 2016
Jeremy Light

Card payments v real-time ACH: a global battlefield

Global card transaction volumes outnumber global interbank payment volumes by a wide margin: approximately 206 bn txns v 108 bn txns per year (Accenture Research). Card transactions use almost univers...

18 Apr 2016
Retired Member

Cash is queen - green, but not quite king

The road from cash and cash registers to #NextGenPOS with integrated payments Payments providers and NextGenPOS software providers together offer merchants a great way to control their income and mana...

08 Apr 2016
Retired Member

Questions raised over PSR decision regarding card schemes

The UK Payment Systems Regulator (PSR) has “after careful consideration” decided not to apply any new access or governance requirements on card payment system operators such as Visa or MasterCard (lin...

07 Apr 2016
Retired Member

A Tale of Two Wallets

Wallets, or purses, have been around since bartering was replaced by the exchange of goods for currency of whatever variety. Therefore they were handy means of carrying that currency in case you neede...

04 Apr 2016
Ketharaman Swaminathan

How To Really Kill Cash

They said cash is costly. It didn't work with merchants. They launched one mobile wallet after the other to drive cashless behavior. It didn't work with consumers. They scared people away from currenc...

16 Mar 2016
Paul Underwood

Challenger banks must strike the right balance between mobile and card

NFC mobile payments continue to grab headlines, but to really drive uptake and ensure full market coverage, combining contactless cards with next-gen mobile banking apps is surely the right way to go ...

09 Mar 2016