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Paul Thomalla

Paul Thomalla

Global Head of Payments at Finastra

Puneet Khanna

Puneet Khanna

Solution Arch at TM

Saurabh Singla

Saurabh Singla

Founder at CaphIQ

Konstantin Anissimov

Konstantin Anissimov

Executive Director at CEX.IO

Anand Melwyn Menezes

Anand Melwyn Menezes

Senior Vice President - Temenos Services at Maveric Systems

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Sunil Jhamb

Sunil Jhamb Founder and CEO at WL Payments

A record 33% of UK purchases took place online in May, according to the Office for National Statistics. Yet with average conversion rates at less than 3%, firms are still missing out on billions of po...

10 Jul

Tapan Agarwal

Tapan Agarwal SVP - Transaction Banking at Intellect Design Arena Ltd

The world of manufacturing has seen JIT (Just In Time) for a long time now. Machine tool operators do not need to keep large inventories of raw material next to their machines. This has improved cash...

09 Jul

Nicholas Bradford

Nicholas Bradford Associate Global Product Marketer at Euronet Software Solutions

The adoption of instant payments, nearly doubling over each of the past five years, has motivated countries to implement their own Instant Payment networks. These national networks seek to create a st...

09 Jul

Anand Melwyn Menezes

Anand Melwyn Menezes

Andrew Beatty

Andrew Beatty

Jamie Nascimento

Jamie Nascimento

Adam Bialy

Adam Bialy

Joshua Frith

Joshua Frith

John Cragg

John Cragg

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Commenting

Ketharaman Swaminathan

Ketharaman Swaminathan

I never thought my joke will come true but it has. I read on Quora today that a certain electric company in Bombay, India, is offering loans for paying monthly electricity bills. So, subscriptions are not going to challenge loans.

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John Cragg

Hi Jamie, thanks for your comments, as we are only offering Payment HSMs as a service we do not hold or control any Data at all and therefor do not come under the control of jurisdiction. The payment HSM process is a challenge and response, where the HSM processes a command and returns a response. There is zero data held or stored and the communication is all over TLS. For my part, as with so many evolutions I firmly believe this will become the norm once people look at the solution in detail and accept that outside organisations can offer solutions that are at least as secure as inhouse offerings. I think the point you make is more around where the Payment Application sits which is in the cloud and this could be a concern under.

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Ketharaman Swaminathan

Ketharaman Swaminathan

After reading this tweet, I'm not so sure if I want my bank to move to the cloud. Pay-per-Use paradigm of Cloud will most likely deliver inferior CX.

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Simon Lyons

Simon Lyons

I can only speak with authority and empirical experience on the UK. For me the push from the UK banks and the fintech sector is material to say the least. Our own govermnent is taking the initiative very seriously. Multiple sectors are experiencing support to transform Open Banking from a compliance exercise to a commercial set of propositons. That is key. Tell me are Openpayd enrolled and active within Open Banking?

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Adam Bialy

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A finextra member

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Ketharaman Swaminathan

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