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Bo Harald

My name is Guy. Same Guy. Reissued

My name is Guy. Mr Same Guy. I show up in as a so called private customer off hours, then during working hours as a corporate customer, as a citizen in public sector services and often also as a membe...

28 Dec 2012
Innovation in Financial Services
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
Retired Member

Understanding Health Care EFT Standards: Part II

In-Band vs. Out-of-Band Remittance Delivery… In Part I of my Understanding Healthcare EFT standards blog, I identified several major obstacles for health care providers to adopt EFT (electronic funds...

19 Dec 2012
Payments strategies 2015-2020-2030
Martin Bailey

Up in smoke

When you're about 4 years of age, piggy in the middle is a fun game, but it kind of loses its lustre by the time you get to 5. At the tender age of 42, I don't ever want to play it ever again, but my ...

18 Dec 2012
Banking Architecture
Killian Clifford

Will Merchants or Consumers drive Mobile Merchant Payments?

The GSMA recently issued a discussion paper on mobile merchant payments (or eWallet Merchant Payments as they label them). In it they laid out three conditions that they felt needed to be in place to...

18 Dec 2012
Pat Carroll

Looking back at 2012 and ahead to 2013

On data breaches and forms of attack: resistance is futile In 2012, we have seen an increasing number of sophisticated attacks made on a range of organisations in an attempt to capture consumer inform...

17 Dec 2012
Innovation in Financial Services