Latest opinions that Jeremy Light has shared on Finextra

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Jeremy Light

Co-founder

Fourdotzero

Member since

24 Jun 2009

Location

London

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Jeremy's opinions

Big Brother is Watching You - Payment Systems, Surveillance Systems, Control Systems

1230 words, 4:50 min read An Orwellian Dystopia As more and more payments become digital, a key question for payment systems architects is how to preserve the privacy of their users. Without privacy, payments systems risk becoming surveillance systems for government agencies and for corporations. In turn these can be extended into control systems ...

29 September 2020 /payments /regulation The Payments Business

The Future of Money and Payments

1200 words, 4.5 minute read Central bank balance sheets are ballooning the world over, and in parallel, adoption of shared ledgers using blockchain is accelerating. These major shifts indicate the global architecture for money and payments is on the cusp of structural change. Blockchain analysis and debate are dominated by a focus on cryptocurrenci...

08 September 2020 /payments /crypto Blockchain in Banking and Financial Services

Fintech Resilience - a Lesson from Wirecard

770 words, 3 minute read The Wirecard debacle has hit the headlines with a vengeance, begging the question: flawed regulation or flawed Fintech models? On first appearance, it feels like that there is a regulatory problem. However, it looks like this is an old fashioned accounting fraud, that just happens to be with a payments processor. The missin...

06 July 2020 /payments /regulation Fintech

Programmable Value Explained

(560 words 2 min 30s read) In November 2019 I blogged about how programmable value is the future of financial services. However, it is evident from reactions I have had that the concept and implications of programmable value can be difficult to grasp. A clearer explanation is needed, so here goes. Digital money is widespread in mobile and online ba...

04 February 2020 /payments Blockchain Observations

The Digital Asset Boom - a trailer

The Original Premiere – The Dot.com Boom Remember the dot.com boom? You need to be over 40 to have direct experience of it from the start, so here’s a recap. It began in the mid-90s with the realisation that the internet was here to stay and a game changer in the way we live and work; leading to a frenzy of start-up companies with new business mode...

13 January 2020 Banking Strategy, Digital and Transformation