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Payments systems visions, strategies, trends, pilots, forecasting, and planning for the short-, medium-, and far-term.
Payments are atomising… In part 1 of my blog on atomising payments, I explained how payments volumes are likely to expand 25 times or more in the future, resulting in trillions of new payments. In p...
The Chair, CEO and initial board of the New Payment System Operator company have been announced, this “NPSO” being the organisation that will receive the tablets-of-stone of the UK Payment Strategy fr...
Is the future of payments happening in India now? Forget cards, forget smartphones, in India it’s possible for a consumer to authorise and authenticate a payment with their fingerprint. Is this the fu...
PSD2 takes effect in Jan 2018 – in less than 4 months time and the EBA still has a lot of work to complete. Whilst the controversy around the RTS on Strong Customer Authentication & Secure Communi...
The demands of today’s shopper can make a retailer’s head spin. They love shopping online, but are more likely to buy in-store, they hate queuing but won’t do anything about it. They see shopping a...
There has been interesting news with a major banking platform offering Cardless Cash at ATM’s[1]. Having worked alongside the RBS project in 2006 to launch access to emergency cash in 2007 whist wor...
In his new book, Competing against Luck, Clayton Christensen, Professor of Innovation at Harvard Business School, describes in detail the Theory of Jobs to be Done – a deep understanding of why someon...
Increasingly, businesses are adopting subscription and recurring business models, as championed by the likes of Netflix and Spotify. Indeed, Zuora’s latest Subscription Economy Index highlighted how s...
The almost unceasing reports of major cyber hacks should be incentive enough to ensure that financial institutions reassess existing fraud protection for their payments systems. Recent official warnin...
On December 13th of last year, a meeting of some of the top financial minds in the UK took place in the ornate, 19th Century Glaziers Hall in SE1. They had come together, in front of an audience, to d...