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John Bertrand

Tec 8 Limited

Member since

03 Apr 2020

Location

London

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John's opinions

AI improves; Shakespeare approves yet internet is going seriously Toxic

AI allows anyone to have access to extensive data with analytic reviews within seconds. AI can identify anomalies, similarities and potential customers and criminals. The amount of information AI can present on anyone topic is extra-ordinary. A simple request can generate pages of data. The need is to ask the right question and becoming an editor ...

17 June 2025 /ai /regulation

Gambling prepares Resilient and Secure Cloud Technology for Banks

Banks, Payment Service Providers and regulators are indebted to the Gambling Industry for continuingly improving the resilience and security of Cloud Technology. For example, EU has DORA (Digital Operational Resilience Act) which requires a 4 hour for reporting a major incident but no later than 24 hours. If an online gaming service goes down 10 m...

15 June 2025 /security /regulation Banking Strategy, Digital and Transformation

Core Banking Systems evolution to cloud technology

Historical Core banking systems can trace their origins 50 years ago to independent, branch-specific solutions running on IBM computers using legacy languages like RPG, COBOL, and Assembler. The branch bank industry consolidated around two major players - Temenos' Globus and Finastra's Midas - each serving over 300 banks, often with many installat...

06 June 2025 /payments /cloud Banking Strategy, Digital and Transformation

Mobile Phone Theft: A 22-Day Insurance Ordeal

Analysis and Recommendations for Premium Bank Insurance Executive Summary This case study examines a mobile phone theft incident that occurred on April 22, 2025, in London, highlighting critical deficiencies in premium bank account mobile insurance services. While the police and telecom provider resolved their portions within minutes, the bank's i...

25 May 2025 /regulation /identity

Social Media Evolution, Philippines and Maria Ressa:

Maria Ressa, Nobel Prize winner, journalist and CEO Rappler (Philippines) In 2004 Internet social media was just getting going. Rappler received information that a Philippines President Election might have been rigged. The status quo’s reaction was to supress any activates around the topic. This was done by attacking the traditional media companie...

15 April 2025 /regulation /identity Transaction Fraud Systems and Analysis

Technology Highlights the Future of Retail and Payments Industries

The technology on show at the Retail Technology Show at Excel, London is a glimpse of the future for the retail and payment industries. Both industries channels have similar expressions of crime being out of control. Shoplifting, online scams and payment fraud particularly Authorised Push Payment (APP) being highlighted. The British Retail Consor...

07 April 2025 /payments /retail Banking Strategy, Digital and Transformation

Payment System Regulator (PSR) Pioneer work on Instant Payment Scams

Why PS24/7 Faster Payments APP scams reimbursement is needed From 2017 to 2023 Bank/PSPs retained £1.7 billion, an average of £240 million a year of money dishonestly taken out of bank accounts. The holder of the bank account was held liable and could not reclaim their money. Over a million cases reported were reported and a further 40% went unr...

21 March 2025 /payments /regulation Banking Strategy, Digital and Transformation

International Instant Payment Platforms must be data ready

The cross-border payments are one of the fastest growing transactions in the world. In 2017 the value moved was $150 trillion and by 2027 is expected to reach $250 trillion. This growth in volume is accompanied by a dramatic shortening of payment delivery from at least 24 hours to instant. International Payments are starting to move off the 19th C...

09 March 2025 /payments /markets Banking Strategy, Digital and Transformation

Instant Payment Fraud: Consumer/Business Trends in the UK, US, and EU

In the UK, H1 2024, £570 ($720) million was stolen in payment fraud of which Authorised Push Payments) Payor to Payee bank accounts accounted for 30%. From 2020 to 2023 £1.4 ($1.8) billion has been scammed from customer bank accounts. Fraud accounts for 40% of all crime in England and Wales. In the US, traditional payment fraud totals $4 with onli...

21 February 2025 /payments /regulation Banking Strategy, Digital and Transformation

Growing Sophistication of Payment Fraud: Business & Personal Sectors Need Different Solutions

As we navigate through 2024, a concerning trend is emerging in the payment fraud landscape: while case volumes are declining, the financial impact per case is intensifying. This paradox reveals a sophisticated evolution in fraudster tactics that demands our attention - and different approaches for personal and business sectors. The Numbers Tell a ...

21 February 2025 /payments /identity Banking Strategy, Digital and Transformation

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