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Over the past few years, the movement towards mobile payments has been one of disruptive trends in the banking sector. New payments services are already accelerating the move away from cash. According...
Recently, I wrote about the results of a poll held by the European Payments Council (EPC) amongst its members on blockchain and its impact on the payments industry. These showed that a great majority ...
At the occasion of the 2016 Standards Forum to be held from 26 to 29 September in Geneva, I interviewed a number of SWIFT standards experts about the content of this year's programme. As each of the ...
We are constantly discuss that financial design should be clear, simple and helpful in solving user issues. Traditional banks agree, but they wonder why we have to constantly repeat what appears to be...
While Blockchain is seen by many as a network phenomenon that needs large market participation, collaboration and interoperability to succeed, both R3CEV and a group of four large global banks came wi...
Much ink has been spilled about the 2008 Mortgage Crisis. In the U.S, $10 billion dollars worth of subprime mortgages dealt out by Mortgage Companies that were not prepared to assume the risks, inevit...
Balancing security for reducing fraud while producing a great shopper experience has been the eCommerce challenge from day one. Modernized protocols may help. A recent report from Juniper research sta...
It has been well documented that the transport industry has been the driving force behind contactless cards in the UK, with Transport for London being instrumental in both their adoption and acceptanc...
The EU’s General Data Protection Regulation (GDPR) represents a watershed moment for the payments industry. This is not simply another data compliance headache. GDPR enshrines a new idea: that consume...
The EPC, the European Payments Council, has published the results of a poll held during this Summer amongst its members in the payments industry about blockchain and its impact by 2015. Being an imp
The proposed sale of Vocalink to MasterCard, threatens to kill innovation in UK Payments. This is my damning verdict and reason for calling on payments experts to come together to voice their opinions...
As the dust continues to settle after the momentous decision by UK to leave the EU, the implications in terms of EU regulation are pretty clear, with the FCA stating whilst the UK remains in the EU (f...