Latest opinions that Neil Clarke has shared on Finextra

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Neil Clarke

Business Development Director

Volante Technologies

Member since

08 May 2009

Location

London

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Neil's opinions

The Race to Open Banking is underway

As the dust continues to settle after the momentous decision by UK to leave the EU, the implications in terms of EU regulation are pretty clear, with the FCA stating whilst the UK remains in the EU (for at least 2 years after invoking the now well know Article 50 of the Lisbon Treaty) then planned initiatives such as PSD2 remain in place. At the r...

15 August 2016 /payments /retail

De-risking payments system overhaul - a New Year’s resolution?

So another year begins and for many this brings a New Year's resolution – getting fit to name but one. For many financial institutions however I wonder if the resolution could be to (finally) start the process of overhauling creaking and aging payments processing technology. It’s a never ending challenge for banks maintaining their IT infrastruct...

11 January 2016 /payments

Central Banking Market Infrastructures move to ISO 20022

Real time gross settlement (RTGS) has now become the established mechanism by which country and sometimes regional payment infrastructures enable safe settlement of high value payments between banks. Historically the systems have typically used the SWIFT network for the secure transfer of the payment messages and notifications, etc., with the

26 October 2015 /payments

Financial Standards - a pandemic of complexity for the Financial Services industry

For millennia mankind has been fighting viral mutations, not only those that affecting humans, but also those impacting harvested flora and fauna. However, though significantly less life threatening, but still a huge challenge to the global financial services business, is the ever changing and proliferating library of financial messaging standards...

02 June 2015 /payments

Corporates catch on to ISO 20022

It is reasonable to say that historically, standardisation in financial messaging over electronic networks has been driven by SWIFT on behalf of the banks – initially FIN MT messaging (based on ISO 7775 and 15022) and more recently MX (XML messaging based on ISO 20022). Predominantly this has helped drive standardisation of formats for transaction...

08 September 2014 /payments