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2008
Paul Davidson

Paul Davidson

Consultant at Expense Reduction Analysts
Message Message me Posts: 0 Comments: 5
Bio Delivering practical payment processing cost savings for medium and large retail, charity and service industry clients. Within the 5 strong payments processing team at the leading cost, purchase and supply chain management consultancy, E.R.A., my role is to find, deliver and maintain value improvem

Paul is Commenting on

Mastercard acquires Nets account-to-account payments business

  Does MasterCard's further growth of "real-time payment capabilities, innovation and expertise" reflect the stated objective of PSD2 to open banking markets to new players?

07 Aug 2019 Reply Read article

Apple unveils credit card

  It's interesting how, as many retailers in Europe focus on how to avoid the need for 2 factor authentication by using exemptions available under RTS Strong Customer Authentication , Apple is actively promoting the requirement for biometric on every transaction. Might consumers actually prefer this simple and reassuring approach? It will be interesting to see it play out in the US market, and whether and how Apple adapts the offering and marketing for European countries.

26 Mar 2019 Reply Read article

MasterCard launches personal payments service

  I agree it has potential and that pricing will be a key factor - however for me it'll be how effectively the service is promoted to end users, who are already confused by all the claimed solutions, which will determine its adoption.

20 May 2015 Reply Read article

Retailers rail about card costs as cash use declines

  I agree, Russell, that retail businesses are mindful of costs, though a key challenge which we see in mid-sized retailers is accessing and interpreting the mix of transaction and card types from the data provided by acquirers. Outside IC+ models there are so many variations which muddy the waters and make decisions on process change to avoid non-secure premium charges and comparison between acquirers very challenging. Knowing that doesn't stop retailers feeling frustrated, in fact it's when people perceive they are facing barriers they can't overcome that they'll rail against a system.

03 Jun 2014 Reply Read article