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Samee Zafar

How Not To Digitise

A noted historian once observed that history is nothing but the unfolding of miscalculation. If this is true, then the Indian Prime Minister Narendra Modi made history on November 8th when he ordere

28 Dec 2016
Arnab Sengupta

Mobile Payments: The Merchants Dilemma

Where we are today Things have not really caught up since the launch of Apple Pay and the subsequent introduction of Samsung Pay in the market. Is it because of the fact the consumers have gone past t...

27 Dec 2016
Daniel Szmukler

Digitalisation, open banking, PSD2, instant payments remain hot topics for 2017

One does not have to be a clairvoyant to see that digitalisation, open banking, PSD2 and instant payments will be high on the industry’s agenda in 2017. Consequently, these topics will feature promine...

23 Dec 2016
Anthony Hynes

Three ways for travel companies to survive currency fluctuations

Major political and economic events across the world have seen currencies fluctuate dramatically – at times we saw the pound tumble to its lowest level in three decades. This volatility has become th...

23 Dec 2016
Vinod Sharma

CashLess OR LessCash

Abstract – Journey from cash only transactions to less cash and thereafter if possible moving to cashless or digital money society. This journey looks very simple in textbooks or written on blogs or p...

19 Dec 2016
Innovation in Financial Services
Jason Mace

2016: The year of Fraud

When historians look back on 2016 I suspect it will be viewed as something of a watershed year. It will be remembered for the year of Brexit, the year of Trump, and for growing numbers of business own...

15 Dec 2016
Retired Member

Amazon check-out free shopping and tech-enabled rent to buy: will consumer finance step-up in 2017?

To win and retain customers, retailers and providers of consumer credit compete to offer a hassle-free customer experience. This means efficient checkout processes from retailers and fast and efficien...

15 Dec 2016
Retired Member

Need for multiple Aadhaar and Mobile number linkage to bank account - Cashless Economy in India

Most of the lower or middle income group families in India has only one member earning for the family, but almost everyone in the family has a role to spend for various expenses. This case is more rel...

15 Dec 2016
Anthony Walton

Five questions you need to ask to avoid payment system failures and delayed launches

If you’re on the Board of Directors in an organisation which handles payments, I suspect you will have broken out into a cold sweat at the thought of a systems failure. Alternatively, you may have bee...

14 Dec 2016
Retired Member

Preparing for Real-Time Payments in the US

The Clearing House (TCH) has announced its plans for a real-time payments initiative for the U.S. The Real-Time Payments (RTP) system, scheduled to go live in April of 2017, will support the sending a...

13 Dec 2016
Innovation in Financial Services
Dan Frechtling

Card Payments Just Surpassed Cash. That’s Good, Right? Part 3

Consumer card transactions overtook cash payments for the first time in 2016, according to Euromonitor. Moving away from cash and checks is a signal of modernizing economies, more efficiency and less...

13 Dec 2016
Rohas Nagpal

Gold backed virtual-currencies in a post de-monetization India

Our ancestors started off with the barter system – something like “I will give you 2 buffaloes in return for 5 shiny new super-sharp axes”. Soon they realized that the barter system had too many limit...

06 Dec 2016