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Melvin Haskins

Managing Director
Haston International Limited
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07 Nov 2006
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Followed by John Sims, Martha Boyle and 5 others you follow
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Melvin's comments

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Why is UK retail banking blind to significant cost savings?

Excellent analysis. Not sure that software vendors in the UK have any more experience of renegotiating contracts than banks. They have rested on their laurels for decades.

26 Nov 2021 09:12 Read comment

Who is driving Open Banking education and adoption in the UK?

Variable Amount Direct Debits have been in use at all banks in the UK for more than 50 years. How does it differ from a Variable Direct Payment? The UK has been a leader in payment technology for that same 50 years. What does Open Banking bring to the table that is different? You are right that the public need to be educated in what Open Banking means and what benefits it brings.

10 Nov 2021 08:16 Read comment

How Buy Now Pay Later can overcome the challenges of growth

I have had the ability to Buy Now, Pay Later for more than 40 years by having a credit card. I can also buy through this card at the click of a button.

03 Nov 2021 07:55 Read comment

Is There a Place for Banks in a Fintech-Driven Future?

Regarding venture capital funding of fintech companies, I suggest that you read a history book and seek out the South Sea Bubble.

02 Nov 2021 08:58 Read comment

BNPL – all of this hype for a not-so-profitable business?

An excellent article. Your analysis is spot on.

16 Sep 2021 11:02 Read comment

Buy Now Pay Later (BNPL) – What’s Different?

So the answer is that there is very little difference between a credit card & buy now, pay later.

11 Sep 2021 16:10 Read comment

Only 14% of UK consumers ‘completely understand’ Open Banking - Ecommpay

It would help if there was public information regarding the 'benefits' of open banking. Whilst I believe that understand it, it appears to be of no value to me.

06 Sep 2021 14:18 Read comment

How to reduce time and complexity in identifying Ultimate Beneficial Owners

Presumably this works with companies registered overseas, particularly in the Cayman Islands, Leichtenstein, Tuvalu, etc.

02 Sep 2021 08:34 Read comment

Buy Now Pay Later (BNPL) – What’s Different?

To existing credit card users, as opposed to merchants, there is no benefit whatsoever to those of us who pay the whole balance off each month. In fact, both my credit card providers provide me with loyalty bonus, so I would actually lose money. I still have the option of delaying payment, at a cost, and I still get 56 days free credit.

27 Aug 2021 08:37 Read comment

Money.co.uk slams Klarna over BNPL versus credit card claims

Excellent article. It begs the question, why use Klarma?

26 Aug 2021 10:45 Read comment

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