E-ASS about face
We need to link KYC to some form of "Financial Services Identifier" or "Payments Passport". You might want to store this in your phone, but it isn't your phone.
View ArticleTwo pints of lager and a packet of crisps, please
My favourite pub has gone contactless! Hurrah!
View ArticleShades of grey
The future of retail e-payments will probably include NFC, but it may not include EMV.
View ArticleMobile identity on the move
There's a window of opportunity for mobile operators to provide digital identity services.
View ArticleRules and exceptions
As I always said, mobile phones will disrupt the acquiring side of the business first.
View ArticlePlanning for the zombie apocalypse
Is cash really the best fallback in the case of a disaster?
View ArticleGive me an “A”, give me a “P”, give me an...
Banks know how to compete on last century stuff liek branches and brand, but how will they compete on next century stuff, such as APIs?
View ArticleHeadline news: chip and PIN works
Chip and PIN works, but that doesn't mean card fraud vanishes.
View ArticleW8 IZ ~SCURE
Using SMS for authentication is about convenience and getting new services going, but it's not a long term solution.
View ArticleLayered approach
There is no silver bullet for authentication, but there are practical ways forward.
View ArticleOut! And take your bin Laden’s with you!
One day soon, we will not longer return from trips abroad with foreign currency that we can't spend.
View ArticleNew payment system proposed at BCS
What if there were a payment system that let people choose anonymity on a per transaction basis?
View ArticleMy policy has been talking to your policy
Mobile wallets need a bit of a rethink and the implications are significant.
View ArticleLessons vs models
We can learn from the Japanese mobile payment market, but we must be intelligent about the lessons.
View ArticleWhichever way you look at it, cash is a bad choice
People who are trapped in the cash economy (except for criminals, tax evaders and money launderers) are worse off than people who use electronic payments.
View ArticleData sharing sounds good, but it is dangerous
We don't have the technology to control data after it has been shared. So should we share it?
View ArticleWelfare dependence
Attempting to restrict the usage of payment cards by welfare recipients to "good" purchases may sound morally uplifting, but it is expensive and pointless.
View ArticleChristmas do
I made three payment predictions for2013 at the Smartex annual Christmas dinner and I stand by them!
View ArticleYou wait ages for a contactless terminal then 8,500 turn up at once
As from today, you can use your contactless bank card to pay for bus rides in London.
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