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As most of us know, new FSA rulings came into force at the start of last month, demanding that regulated investment firms record all mobile phone conversations relating to transactions in certain mark...
No one could doubt that peer-to-peer lending (or P2P Lending) has landed big time in 2010, but it looks as if the best is just about to come. The biggest US P2P lender, Lending Club, will issue more ...
The concern with stories like the recent one in the Telegraph about it being too expensive for the police to arrest a fraudster - so there are no consequences for the card fraud criminal - is that th...
A few months ago, the Australian banking consortium BPAY announced the cancellation of its promising and well funded account portabilty MAMBO. What does this mean for the even more audacious plans for...
NACHA, the Electronic Payments Association, is the organization that manages the development, administration and governance of the ACH Network. They recently proposed the Expedited Processing and Set...
“Farmland is going to be one of the best investments of our time,” philanthropist George Soros claimed a couple of years ago. He certainly wasn’t wrong. However, it could be said there is a lack of cl...
1. More competitive enterprises. How? Drilling down selectively: 1.1. Better products, selling, procurement and service processes – mostly (but not only) a question of digitalization 1.1.1.
From time to time it is necessary to look at the big picture. What do we need for a more competitive Europe? Innovative and determined actions in many areas – like: 1. More competitive enterprises – i...
Finland is moving fast
Even back in the 1990s when ecommerce was in its infancy, there were always other ways to pay. It’s just that they were rubbish – inconvenient, fraud prone and slow. You could mail a cheque or cash, w...
Once upon a time, a brave young technology consultant was sent on a mission to a bank’s payments shared service center, without knowing what a payment message looked like. From that day forward, I ha...
Despite all the announcements, press briefings and other hullabaloo it looks like the BATS/Chi-X deal is the only one that’s actually going to get done this year. SGX/ASX and LSE/TMX are just two of ...