Will America bypass chip and PIN? One of the things I’m going to Money2020 to...
Another article, this time in American Banker, questioning the rather odd trajectory of EMV in the USA. You’ll recall, I’m sure, that a number of international observers expressed surprise when (some...
View ArticleShared ledgers might not disrupt payments, but identity
Thanks to Marc Hochstein from American Banker for pointing me to this video of the Stanford Blockchain Workshop that he chaired in March. If you are interested in the subject of blockchains, identity...
View ArticleAMLchain
In a comment on an (untrue, as it turned out) story about one of the big British banks starting to accept Bitcoin, a Twitter correspondent responded to one of my mischievous postings about the kinds of...
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EMV and Loathing in Las Vegas
A Savage Journey to Heart of the American Payments System. We were somewhere over Barstow on the edge of the desert when the drugs began to take hold. First of all it was the coffee. I probably had one...
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EMV and Loathing in Las Vegas, Part Two
I was following Howard down the long long corridor disappearing off into lights and chaos at the horizon. He was urging me on, telling me it was time to go and to be the story, so I followed. I’d...
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EMV and Loathing in Las Vegas, Part Three
When the instructions to the party had first turned up in my inbox I was a little suspicious. “You’re invited”. What does that mean? What were they trying to tell me? I’d been made a kind of honorary...
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EMV and Loathing in Las Vegas, Part Four
Howard told me to get down to the hacker phone as least I think that’s what he said) in the ballroom and see what the kids were up to. I can’t say that I know what hacker phone is but it sounded like...
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EMV and Loathing in Las Vegas, Part Five (the end)
Sitting in the ballroom, watching this whip smart Irish guy Collison. “EMV will be irrelevant in 3-5 years; NFC can do everything it does” said his guru. So when I was saying tokenisation is bigger...
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A swift transition to in-app in Cologne
The kind people at Visa Europe invited me over to give the keynote talk at their Retailer Forum in Cologne. The thrust of my talk was the transition to in-app (and the corresponding shift in retailer...
View ArticleWe must stop solicitors from using e-mail as soon as possible
I was watching Panorama on the BBC on Monday. It was about hacking, ID theft, the usual stuff. The main takeaway for the general public was, I think, that everyone’s personal details have already been...
View ArticleWhich payment system is best for when you are drunk? M-PESA!
One of the projects we have been working on for a client involves looking at the relationship between cash and electronic payments in different markets. It’s not germane why or what we concluded, but I...
View ArticleOperators and mobile payments, the one millionth blog post
There was an interesting article in the August edition of E-Finance & Payments Law & Policy from Carlo de Meijer and Jonathan Bye at RBS. It looked at the possibilities for different players in...
View ArticleA mix-up around what is new in identity
Quite a few people tweeted or posted about the announcement of IBM’s “new” technology in the identity space, now available to developers on its Bluemix cloud platform. Here’s a typical example. Back in...
View ArticleOn the internet, no-one knows you’re a fridge
Remember all those years ago (about 20 in fact) when there was that cartoon in the New Yorker “no one knows you’re a dog“? I got so sick of seeing that cartoon lazily reproduced by anyone who wanted to...
View ArticleConnecting is getting easier, disconnecting is getting harder
After I’d been blathering on at some event about how connecting things up is really but disconnecting them is really hard, someone sent me a link to a story illustrating an amusing case of the...
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The blockchain won’t make everything better, but it might make identity better
A friend of mine went to open a savings account with a UK building society. She had had an account there for more than 20 years, but wanted (for purposes of administrative convenience) to have a...
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Judge Dave
Well, I’ve been away at a hackathon. Not just any old hackathon, but the Grand Final of the MasterCard Masters of Code Hackathon series. For the past ten months, the Masters of Code competition...
View ArticleIs the blockchain smarter than an estate agent?
There has been a spate of property crimes in London, apparently, with houses being sold by fraudsters who rent houses and then pretend to be the lawful owner or acting on behalf of the lawful owner....
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Retailer pressures for direct-to-account payments
Back in the October edition of “Digital Transactions” there was a nice column by George Warfal from our friends at Edgar Dunn called “The Next Way to Pay” in which he says that “merchants are...
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Our live five for 2016
Well, however superficial they might be, there’s no doubting the popularity of the end of year roundup and predictions for the coming year. We don’t argue with the box office down at CHYP End, so here...
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