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Ketharaman Swaminathan

How Security Can Actually Cause Vulnerability

Security increases friction. That's not news. I've written a few blog posts - click here, and here - on this perennial tradeoff in payments. However, I recently realized that security measures can ac...

03 Jun 2014
Pat Carroll

Chip and Skim Cards: Renewed Need for Layered Authentication

In the ongoing game of one-upmanship between hackers and payment fraud prevention technology, new research presented at the 35th IEEE Symposium on Security and Privacy suggests that the fraudsters hav...

03 Jun 2014
Innovation in Financial Services
Colin Weir

The war in Crimea will hit Visa and Mastercard hard

Russian President Vladimir Putin heads to China tomorrow to tighten relations with Beijing as ties worsen with the West over the Ukraine crisis. Along with Oil, gas and some 100 Sukhoi-Superjets Chin ...

19 May 2014
Brett King

Why Square Wallet failed, and why Coin card is next...

Square's recent troubles are not exactly a secret. Wall Street Journal published a detailed analysis on the 21st of April this year, detailing Square's financial troubles and their rapidly shrinking ...

13 May 2014
Finance 2.0
Ketharaman Swaminathan

Coin Solves A Pain. But Is It A 100 Dollar Pain?

In Mobile Wallets Should Fix What’s Broken – And It Ain’t Payments, I'd highlighted why paying by plastic card is natural and how mobile wallets are really not offering any compelling reason for peop...

27 Apr 2014
Ketharaman Swaminathan

Credit Where Credit Is Due - HSBC Case Study

In over two decades of using credit cards, I missed a payment for the first time a couple of months ago. This happened on my HSBC credit card, which I've been holding for nearly 10 years. I'm blaming ...

31 Mar 2014
Paul Love

When is a payments network not a payments network?

When a network can be unplugged unilaterally what message does that send to the poor cardholder with the acceptance brand shining brightly on their card? While Visa and MasterCard have successfully po...

28 Mar 2014
Daniel Eckstein

Card present goes Ecommerce

In the card acceptance business a big change is happening. More and more transactions that should be card present transactions are processed as ecommerce transactions, or better: card-not-present-tran...

21 Mar 2014
Paul Love

Does One Size Fit All ?

I have just received a letter from Barclaycard telling me that they are not just withdrawing their innovative OnePulse card but are also simplifying their range of credit cards. While the withdrawal o...

14 Mar 2014
Innovation in Financial Services
Daniel Eckstein

Credit card reconciliation! The unknown Problem

Not many credit card acquirers are aware of the fact that their customers might have a problem with the reconciliation of their transactions. Very few acquirers offer a decent solution that really hel...

11 Mar 2014
Retired Member

Prepaid Cards: The Post-Modern Checking Account?

Prepaid cards are seen as a product for financially excluded consumers, but they are becoming mainstream. This transition is largely thanks to employers issuing prepaid payroll. It is often young adul...

27 Feb 2014
Dave Pearson

Contactless is taking off, what does it mean for the future?

The new figures from WorldPay show that contactless transactions in the UK are growing significantly--249% in the year to Dec 2013, an impressive growth rate, to say the least. However, it was only ju...

27 Feb 2014