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Lu Zurawski

Open Banking and the magic illusion of 24x7 availability

“The more things change, the more they stay the same.” The wisdom in this old adage appears to ring true when applied to the early phases of the evolution of Open Banking (or open payments). Especial

13 Nov 2018
Open Banking
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
Lu Zurawski

The Coin Nudger - will cash ever fall off the edge?

Today's introduction of the new one pound coin has nudged me into contemplation. Isn't it a bit weird that our that society still relies on increasingly complicated metal disks as a way of exchanging ...

28 Mar 2017
Lu Zurawski

Was the EBU responsible for the war on cash in Sweden?

I came across an interesting article about Björn Ulvaeus in this month’s Wired magazine. I hadn’t realized how much of an anti-cash crusader the former Abba star had become. Perhaps the early signs w...

13 May 2016
Lu Zurawski

Will Open APIs lead to Chip and Paw?

On April 6th, a new law comes into force regarding the mandatory embedding of ID microchips in dogs. The UK is a nation of dog lovers, where being a dog is even a key requirement of winning "Brit...

01 Apr 2016
Lu Zurawski

PSD2 and the Hokey-Cokey Conundrum.

I competed last week in a ‘Family Lip Synch Battle’, in a chalet on the Swiss-French border with a rendition of the Hokey Cokey, mimed in German. I now feel curiously qualified to comment on the UK’s ...

26 Feb 2016
Lu Zurawski

Apple Watch - Can It Tell A Story?

I've tried to resist writing about Apple Watch. What is there to say that hasn't already been seen in this week's "unboxing" videos, where perplexed buyers struggle to synchronise? But des...

01 May 2015
Innovation in Financial Services
Lu Zurawski

Do payments exist on the big screen?

This week’s announcement ( ), of Visa’s product placement deal to show contactless payment technology on popular ITV soap operas like Coronation S...

03 Feb 2015
Lu Zurawski

How to be charitable with electronic payments

What do you do when a homeless person asks you for cash? No-one is judging you. We are a broad church here across Finextra and acceptable answers may include giving a donation, doing absolutely nothin...

16 Jan 2015
Lu Zurawski

I predict that payment predictions will be wrong

Having read many over-ambitious “Next year will be the year of X” statements, I avoid prediction precision myself. The game of replacing “X” with this year’s, nearly-there technology, and caveating t...

19 Dec 2014
Lu Zurawski

Clap along; API-ness is the truth

It’s that time of year where the voices of earnest business initiatives may struggle to be heard above the cacophony of festive karaoke singing. Given the right circumstances, I may even warble a bit ...

08 Dec 2014
Lu Zurawski

Payment walls are crumbling - is it time for Payments EBRD?

Twenty-five years ago, the fall of the Berlin Wall saw the creation of the European Bank for Reconstruction and Development. Its mission was to find capital to help re-build national infrastructures m...

21 Nov 2014

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