Instigate change. Start a new collaborative Blog Group

Create group
Andrew Marshman

The Terrible, Horrible, No Good, Very Bad Omni-Channel Day

I have been proclaiming for some time that ‘omni-payment’ is the missing element in many retailers’ full omni-channel customer service offering. What I mean is that many retailers offer their goods an...

07 Dec 2017
Disruption in Retail Banking
Alex Letts

Why I said No to a Bitcoin debit card

I got a call from a trusted chum who has been a wonderful source of advice and inspiration to me in building our non-bank for the credit impaired. He is London-based, progressive, innovative and fear...

06 Dec 2017
Retired Member

The evolution of cash

For years we’ve been reading stories about the imminent death of old-fashioned notes and coins and how we’re all going to be spending money via digital wallets and smartphones as hard currency becomes...

30 Aug 2017
Paul Underwood

10 years of contactless

It is staggering to write this down, but contactless in the UK is nearly ten! And it’s exciting that ‘tap and go’ payments are going from strength to strength. Since the introduction of contactless ca...

21 Aug 2017
Andrew Marshman

Are Card Payments Getting Simpler Or More Complex?

Throughout the year, there has been plenty of discussion around frictionless payments, and reducing complexity for both consumers and for merchants. So, are card payments getting simpler, or more comp...

16 Aug 2017
Milos Dunjic

WANTED: Unified Contactless Kernel at POS

Contactless/proximity payments are promising technology, bringing speed and convenience to the checkout counter. They are supported by pretty much all payment schemes – Mastercard has PayPass, Visa ha...

05 Aug 2017
Innovation in Financial Services
Ketharaman Swaminathan

How To Fight Credit Card Surcharge And Take CashlessIndia To The Next Level

I recently read the following tweet: "After Banks figure this out and do something with eKYC, they will realize that people are not ready to pay MDR, want privacy" (

18 Jul 2017
Chris Brown

What will replace the card schemes?

There has been much talk recently about how card payments will replace cash altogether in the future. I have talked previously about my opinion that the card schemes (Visa, MasterCard, Amex etc)

07 Jul 2017
Innovation in Financial Services
Bo Harald

Demise of cash

Bank of Finland report - ATMs (branch share very small): 2014: 145,1 million times 2015: 136,9 2016: 123,4 Billion € 2014: 14,4 2015: 13,9 2016: 12,9 Old expensive habit exiting.

05 Jul 2017
Digital Banking Trends
Lu Zurawski

Do ATMs dream of electric money?

Its nearly half a century since the famous American science fiction writer, Philip K. Dick wrote the novel, "Do Androids Dream of Electric Sheep?", which went on to become the Ridley Scott m...

26 Jun 2017
Retired Member

Panic! Contactless card fraud is on the rise!

So, contactless card fraud hit £7m in the UK in 2016, up from £153k in 2014. Cue click-bait headlines about fraud soaring by almost 4,500%. When you dig a bit deeper, this is both mischievous scaremo...

01 Jun 2017
Myles Dawson

4 tips to optimize your recurring and subscription payments

Increasingly, businesses are adopting subscription and recurring business models, as championed by the likes of Netflix and Spotify. Indeed, Zuora’s latest Subscription Economy Index highlighted how s...

10 May 2017
Payments strategies 2015-2020-2030