Latest opinions that Anthony Pickup has shared on Finextra

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Anthony Pickup

Consultant

Capgemini Invent

Member since

23 May 2014

Location

Manchester

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Anthony's opinions

Vehicle Usage Taxation (VUT) needs a new model in the 21st Century

Globally, there needs to be a new way to tax vehicle usage to encourage sustainable road transportation. This article suggests a new model that is fair to all and gives all types of vehicle manufacturers incentives to make vehicles more sustainable. i.e. vehicles should only be replaced when they are no longer viable. Currently, petrol and diesel ...

18 October 2024 /payments /predictions Going green

Will terms such as HALO and LEOs enabled MNOs be common terms by 2030, as GPS and 5G are now?

As we move through the 2020's will these two terms become common in the Mobile phone and broadband ecosystems or fade away as the terms WAP and Fax have since the 2000’s. As a Digital Architect in Capgemini Invent, my role across businesses in assessing the technologies available and their use to deliver enhanced customer and client value is key. ...

01 March 2022 /sustainable /predictions Online Banking

Are 'Gestures' and your 'Gait' the future to securing transactions?

About a year ago I read news that researchers have devises how to make how we walk protect private information opens up an interesting use of biometric data. (https://techxplore.com/news/2018-08-artificial-neural-network-framework-gait.html) The solution described in the article describes how a personal device with motion sensors are capable of sec...

11 July 2019 /payments Futuristic Banking

What is holding back commercial eID services?

The recent article[1] about the UK governments attempts to facilitate eID for government services being handed to the private sector made me think what is holding the eID market back? With mobile phone and integration of connected devices technologies improving the security and user experience for digital services. The use of biometric sensors in...

08 February 2019 /retail Biometrics

Bio-metrics lowering friction in payments

Reading an article of linking facial recognition systems to in-store payments made me think about where next for biometrics in payments in the real world[1]. Payments at the highest level is one entity the ‘payer’ presenting funds to another entity the ‘payee’. There are then four key processes for each payment for it to be successful: Payer and ...

13 November 2018 /payments Biometrics

What is next for ATMs as retail payment technologies evolve?

I was asked recently to predict the future for ATMs (Auto Teller Machines) and the services they will provide. I approached this by looking back at what has driven the development of the ATM hardware and software we see today. My conclusion is that mass market technologies that have enabled ATMs to lower the cost of current their operation or red...

23 February 2018 /payments Futuristic Banking

Can a new entrant be a threat to the big card schemes?

Stumbling on news that a new payment network Satispay[1] from Italy gaining significant FINTECH investment. Looking at other payment schemes I wondered what made this so attractive to invest 27m Euros? The Satispay mobile payment model is where customers set a weekly budget for spending at merchants that tops up automatically from their bank acco...

29 September 2017 /payments /startups Fintech

Are the final pieces of the Cardless cash access jigsaw appearing?

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 working on the Uk’s first Mobile Contactless trial. The Cardless cash services have developed from their initial launch in Turkey and in 2012 RBS launch...

14 July 2017 /payments Payments strategies 2015-2020-2030

How PSD2 and GDPR may improve retail payments for all

How PSD2 and GDPR may improve retail payments for all? Following my time setting up a new community bank (credit union) on an out sourced banking platform to UK consumers I have been watching the developments in retail payments from a distance. As the team have now delivered a new Financial Institution to Bank of England standards with the help o...

16 June 2017 /payments Financial Services Regulation

Why do some retailers prefer CASH?

Whilst visiting a friend in Leigh on Sea I saw a sign that showed cash is still king. A ‘10% discount for cash sales above £3’ was offered at a pharmacy. This was interesting because we have been seeing reports that cards are the most popular form of payment. What this picture shows is that cash is still an important method of payment for retail...

18 May 2015 /payments /regulation