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In June this year, NatWest and RBS proudly announced the arrival of the new era of cardless ATM withdrawals. In my comment on that page, I explained that any OS-only financial solution is "almost...
Less than a week ago, Finextra's News section ran a press release by Emu who promised a Holy Grail alternative to Square and iZettle - no dongles, and (almost) no charges (Emu's Web site does promine...
When it comes to payments, London taxi is an interesting microcosm. A few years ago, cash was king and cabbies didn't look elsewhere - it is rumoured that many black cab drivers were filing their tax ...
Global ACH, or iACH as it is sometimes called, seems to be the buzzword of the moment. Is there is a good business case for a global ACH? Characteristics of an ACH Automated Clearing Houses are great ...
Last week I had a bizarre conversation with someone who claimed to be "Head of European Business Development at Vodafone" (a big guy with a beard and Vodafone-red rimmed glasses - give me a ...
Transport for Greater Manchester (TGM) recently announced it will start rolling out a new smart ticketing system across the UK’s third biggest city. It’s a move that is well overdue and is sure to vas...
Cash don't disappear- that is a fact. Don't deny it. Or is it possible to replace cash with alternative low cost solution. For laymans terms, cash is low cost payment method. But as everyone who know...
Technophobes and security pundits have been warning us for a long time that it’s possible for a passerby with an RFID reader – and malafide intent – to skim debit / credit card details off contactless...
It took almost two decades for credit card payments (followed by debit cards) to become globally ubiquitous, so it might be reasonable to think that a paradigm shift at the POS will take years to beco...
E-invoicing as such does not save the 250bn/year cost. It is an enabler - and that is why the focus should move to the next layers. Experts tend to dig so deep into details that they forget to commun...
A panel discussion at EXPP made it clear that further clarification is needed to make it clear what the EU Commission means with equal treatment of paper and e-invoicing. The VAT directive states that...
I will keep this blog post short and jump straight to the point (following our recent discussions with a number of key industry players who develop m-wallet platforms as well as phone-bound secure ele...