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Pat Carroll

Dexter malware, targeting Christmas shoppers

The holiday season is a prime time for fraudsters to target consumers' credit cards and it's not surprising that Dexter has come to light a week before Christmas. Dexter is yet another malware variat...

20 Dec 2012
Information Security
Retired Member

Fraud: You're only as good as your last prevention.

The industry analogy is that fraud is like a balloon, you squeeze the fraudsters in one area and they pop out somewhere else. Sometimes it’s predictable like when chip & PIN was introduced, alr...

20 Dec 2012
Retired Member

Visa Hungary - Are they are losing their appetite?

If the recent article published on the Pymnts web site is accepted then it seems that Visa may be considering an exit strategy from Hungary in the face of substantial, and continuing, market share los...

20 Dec 2012
Retired Member

The effect of Mega Processors on card scheme fees?

It is becoming increasingly obvious to me that the Global and Regional card payment processing organisations have their sights set, if not on world or territorial domination, certainly on ever increas...

20 Dec 2012
Retired Member

You want to think Outside the Box. Then get Outside the Box!

Have you noticed it? I’ve been into countless financial service organisations and a recurring theme I’ve observed in practically all of them is that where staff come together (canteen, seminar, Chr...

20 Dec 2012
Retired Member

What's the Incentive in being a Super Achiever?

Is there any real incentive? As a general rule, though I accept there are exceptions at a corporate level and for certain sections of employees, most financial services companies will cap bonuses an...

20 Dec 2012
Retired Member

Price Transparency in Banking

Don’t let anyone tell you different, price transparency in Banking has come on a long way since my early experiences as a teenager in banking in the 1970’s. I recall being invited to take the printou...

20 Dec 2012
Retired Member

Card Issuers do not refer for the fun of it

Both of the international card schemes include in their impressive array of member fee tariffs an assessment fee for Issuers that breach a percentage threshold of authorisation referral responses to a...

20 Dec 2012
Brett King

The Un'der'banked don't need banks anymore

Traditionally, if you wanted to move money around, save cash, pay a bill, purchase something at a store, or otherwise have some sort of systemic access to your cash as you moved around - you needed a ...

10 Dec 2012
Innovation in Financial Services
Retired Member

Understanding Health Care EFT Standards

On March 23, 2010, the Patient Protection and Affordable Care Act (PPACA) was signed into law. Section 1104 of the PPACA requires the adoption of operating rules for health care electronic funds tran...

05 Dec 2012
Payments strategies 2015-2020-2030
Elizabeth Lumley

Adventures in cash...less?

In New York, in the early 1990s, there was a spate of serial robberies where muggers specifically targeted young Puerto Rican bus boys walking home late at night (or early morning) after a shift at a ...

04 Dec 2012
Finance 2.0
Retired Member

MIFs vs Bilaterals - The Good The Bad or The Ugly?

The regulatory position on interchange fees in Europe over the last 5/10 years has shifted significantly. Whereas in the 1990’s and as late as 2002 the competition authorities gave the international ...

26 Nov 2012