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Marten Nelson

How a Regulated Liabilities Network Could Solve the Cashless Dilemma

Central bank digital currencies (CBDC) are often mentioned as a key motivation for the rise of a cashless society. As Sweden’s central bank, Riksbanken, discusses in its paper, The Riksbank’s e-krona ...

16 Mar 2022
Frictionless Payments
Marten Nelson

Resolving the unintended friction of Web 3.0

Media is buzzing about Web 3.0 and the metaverse. Companies and investors are scrambling to get in on the ground floor and participate in shaping this new iteration of the web. But I think it’s worth ...

10 Feb 2022
Decentralized Finance (DeFi)
Marten Nelson

Paving the way to payments modernization with a Shared Hierarchical Ledger System

Last month the Secretary of the U.S. Treasury admitted that she’s still on the fence about digital currency. Unlike the Bitcoin-loving president of El Salvador, Secretary Yellen thinks further study i...

03 Feb 2022
Cryptocurrency Insights
Marten Nelson

Regulated Liabilities Network: Making space for digital currency within the two-tier monetary system

Here’s a good question: Can digital currency (DC) thrive within the two-tier monetary system that banks use the world over? After all, the current system has stood the test of time and is used by, wel...

06 Dec 2021
Marten Nelson

Payments modernization before CBDC

Mainstream, tech, and fintech media is bubbling with central bank digital currency (CBDC) chatter. The Bank for International Settlements (BIS) is performing excellent research on the topic. They’re ...

30 Mar 2021
Blockchain in Banking and Financial Services
Marten Nelson

Open Banking’s First Year-end Dividend

It was only one year ago that Token made history by becoming the first licensed Payment Initiation Service Provider (PISP) to conduct an end-to-end payment through a public bank API. The payment of £4...

03 Jul 2019
Open Banking
Marten Nelson

Will banks ever learn? comments on Facebook's Libra

Yesterday, Facebook announced Libra, a stablecoin to be used for payment in WhatsApp and Facebook Messenger. Libra is a stablecoin pegged to a basket of fiat currencies to minimize fluctuation of its ...

25 Jun 2019
Marten Nelson

Open banking is just a taste of what’s to come

There’s still hell to pay in the back-end, says Marten Nelson, Co-founder, True digitisation in payments means overhauling the core infrastructure as well as its connectivity layer. All the ...

05 Jun 2019
Digital Banking, Mortgages and Savings
Marten Nelson

2019: the breakthrough year for open banking

January 2019 marked a year since open banking came into play in Europe. While 2018 saw a steep learning curve for all involved, the next year will start to show serious, market-defining transformation...

06 Mar 2019
Open Banking
Marten Nelson

A Big IDea for Banks

In the digital world banks can win by doing more of the same... What is a bank? A place to store money? Yes, but keeping cash under the mattress doesn’t make a bank of your bed. A lender? Sure. But to...

23 Nov 2018
Open Banking
Marten Nelson

Open Banking Goes Global

What can financial institutions around the world learn from Europe’s early attempts at digital banking freedom, and how can they accelerate the ROI? As the shift towards open banking gains speed, i...

22 Oct 2018
Open Banking
Marten Nelson

PSD2: The real RTS deadline is closer than banks think

Let’s work backwards. Most banks know that the final deadline to comply with PSD2’s Regulatory Technical Standard (RTS) is 14th September 2019. Eleven months away. Following the amendments to the RTS,...

17 Oct 2018
Open Banking

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