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John Cragg

What's stopping financial institutions from using the Cloud?

The majority of financial institutions have or are developing a cloud strategy, and most are already making some use of the cloud. There are a number of reasons why the cloud is an attractive alternat...

32 m
Fintech
Josh Li

Advances in Blockchain Technology Are Driving Development of Central Bank Digital Currencies

Central banks are asking themselves a key question: “Are we ready for a Central Bank Digital Currency?” A Central Bank Digital Currency (CBDC) is drawing closer for many nations: In a Bank for Interna...

44 m
Banking Strategy, Digital and Transformation
Luc Gueriane

Will cashlessness prompt a rise in business banking for merchants?

Cashless payments were on the rise way before the pandemic. However, COVID-19 has forced consumers to abandon notes and coins in favour of mobile and contactless card payments. Recently, Nationwide re...

5 h
Jeremy Light

Fintech Resilience - a Lesson from Wirecard

770 words, 3 minute read The Wirecard debacle has hit the headlines with a vengeance, begging the question: flawed regulation or flawed Fintech models? On first appearance, it feels like that there is...

06 Jul 2020
Fintech
Ron Delnevo

US coin shortage a DISASTER for cash!

Cock up - or a conspiracy? Whichever it is, this shortage of coins is a disaster for cash. Many retailers are looking for excuses to limit cash use and this shortage is a gift to them as they pursue t...

04 Jul 2020
Financial Supply Chain
John Burgos

Social media payments friend or foe

Social media, like any other innovation, is likely to go through a refinement period, which seems like a never-ending process of updates and improvements. Despite its substantial list of pros and cons...

02 Jul 2020
Social Banks
Mike Laven

Are we at another Herstatt risk moment in the global financial system?

In 1974, the Herstatt Bank in Germany collapsed after making a series of wrong moves on the foreign exchange markets, ending up with DM470 million in losses (worth the equivalent of nearly USD 1 billi...

01 Jul 2020
Banking Strategy, Digital and Transformation
Nicholas Bradford

Do Those Website Cookies Come in Chocolate Chip?

Who doesn’t love cookies? There are so many different kinds: chocolate chip, oatmeal, peanut butter, internet… wait, what? In the banking and payments sectors, we’re always thinking about security. ...

30 Jun 2020
Lisa Terziman

Building a PSD2 compliant channel: challenges and opportunities for financial institutions

PSD2 obliges ASPSPs including banks, e-wallets, prepaid cards and other companies that offer payment accounts to provide at least one channel for secure communication with third party providers (TPP)....

30 Jun 2020
Open Banking
Lauren Jones

5 ways to maximise the value of instant payments

Instant payments are the ‘new normal’. The last decade saw a ramp-up in adoption as regulation, customer expectation and technology dovetailed to create immediate, 24/7 demand for financial services. ...

30 Jun 2020
The Payments Business
Hannes Van Rensburg

Taking payments in chat to market

There were some high profile announcements of WhatsApp payments available in Brazil (https://tcrn.ch/3dzlnC9) recently. Anybody interested in chat commerce sat up and took notice. Some also tried out...

30 Jun 2020
The Payments Business
Conchur Gill

Incumbent banks setting up their own challenger banks must do better than Bo

RBS’s recent announcement that it will close its ‘green-field’ challenger bank Bó did not surprise many in the FinTech industry. The writing had been on the wall for some time. The digital-only bank m...

29 Jun 2020
Fintech