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Lu Zurawski

Lu Zurawski

​Solutions Practice Lead, Consumer Payments EMEA


Lu Zurawski

Lu Zurawski is Practice Lead for Retail Banking Products at ACI Worldwide. Bringing with him a varied and extensive background in consulting, systems integration and service management, Lu develops ACI’s strategic payments business propositions in the emerging fields of Open Banking, new access models and real-time alternative payments. Lu has over 20 years’ experience across a variety of payments markets, which is evident in his thought-provoking and often unorthodox viewpoints on the world of payments. In particular, Lu’s interest in Behavioral Economics often shines through, as he addresses the latest trends across policy, regulation, technology and customer behavior.

More articles by Lu Zurawski

  • transaction banking does not go out of fashion

    Dedicated Followers of Fintech: Why Transaction Banking Never Goes Out of Fashion

    Tuesday, October 23, 2018

    Taking part in a panel at a recent corporate treasury conference, I was introduced as a ‘consumer payments expert’ – not an obvious qualification for sharing stage-time with serious corporate liquidity and cash management folk, but as the talk track was on mobile wallets and Open Banking, I had some reasonably safe and relevant content on which to fall back.

  • illusion of 24x7 availability for open banking

    Why Open Banking Might Need to Rely on a Magic Illusion of 24x7 Availability

    Tuesday, October 16, 2018

    The adage “the more things change, the more they stay the same” appears to ring true when applied to the early phases of the evolution of open banking (or open payments). Especially when you contrast it with the early days of ATM withdrawals; particularly those made in the dead of night so you could pay cash for your after-party greasy feast.

  • 10 years of UK Faster Payments

    What Rihanna Can Teach Us About a Decade of UK Faster Payments

    Tuesday, May 29, 2018

    The end of this month marks 10 years since Rihanna’s single, Take a Bow, reached number 1 in the UK singles charts.

    Although I know a little about Barbados, I am only an amateur student of the popular Bajan singer’s lyrics. But I cannot help feeling her song reads like a commentary of the cataclysmic world of banking in 2008; “That was quite a show, but now it’s time to go,” and “You look so dumb trying to apologize… I know you’re only sorry you got caught,” or “it’s over now, go on take a bow.”

  • In the age of consent who owns big data?

    The Age of Consent – Who Owns “Big Data”?

    Wednesday, May 23, 2018

    The EU General Data Protection Regulation will enter in force at the end of this week, and there can be very few businesses today that are not scrabbling to meet compliance objectives.

    GDPR sets out rights of citizens and consumers as owners of their own personal data, meaning that data can only be processed by a company if the data subject has given consent to the processing of his or her personal data for specific purposes, or if that data is essential to fulfil the service contracted by the data subject. So far, so good. Arguably many companies will alter existing customer agreements in search of compliance.

  • digital asset tracking

    KodakCoin, and Six Ways That Blockchain Could Really Be Leveraged

    Thursday, January 25, 2018

    The newest cry in the cryptocurrency clamour? That of heritage-photography-giant-cum-new-kid-on-the-payments-block, Kodak. Unbelievably, they have managed to out-blockchain the long-island-iced-tea company in their audacity, and (more than) double their share price to boot.

  • open banking infrastructure

    Open Banking Goes Live: The Walls Around Traditional ‘Old Style Banking’ Are Crumbling Down

    Thursday, January 18, 2018

    January 13, 2018 may well be remembered as the ‘beginning of the end’ of the traditional retail banking industry.

    Thanks to a profound set of new rules by European regulators and the UK government, we may see the start of an era where consumers no longer hesitate to change their bank accounts or make more personalized arrangements with regards to their finances.

  • digital banking

    In the Era of Open Banking, 'Positive Skeptics' Have a Crucial Role to Play

    Wednesday, October 25, 2017

    A skeptic is someone who habitually doubts commonly accepted beliefs. They are the naysayers, waiting in the wings to shoot down every great idea. But this does not mean that all skeptics are necessarily negative or cynical. In fact, positive skeptics play a vital role in our quest to modernize payments and banking, because they don’t automatically reject ideas. Instead of asking ‘why?’, they say ‘why not?’ They evaluate new ideas against the available evidence, instead of defaulting to ‘the way we have always done things’. They play devil’s advocate to innovate and create; a crucial role in an increasingly busy financial services marketplace.

  • Contactless payments turn ten

    Contactless Turns Ten: The Shift to Contactless Universal Payments is Now Well Established

    Tuesday, September 12, 2017

    In September 2007, Barclaycard first introduced contactless payments to the UK. Ten years on, and many Brits would no longer want to live without a contactless card in their wallet. In fact, six out of ten Brits now pay with "touch and go," and according to the UK Cards Association 108 million contactless cards are in circulation in the UK, with volumes of transactions currently reaching £400 million per month.

  • Banking platform

    Introducing ‘Platform Banking’ - The future for Financial Services?

    Wednesday, September 09, 2015

    ‘Platform’ is a lovely, polysemous word – it projects lots of meanings.

    Whilst the general public may think of flares and big shoes (or is it me?), IT and operations experts will think about hardware, while for developers it may conjure up programming environments, for media types perhaps games and viewing formats, and bankers are more likely to think about mobile device types or communities of users.

  • Mobile Payments facebook

    Mobile Payments: And now it’s Facebook’s turn…

    Friday, October 17, 2014

    Chances are you have been hearing a lot about mobile payments lately. Thanks to the likes of Apple Pay, everyone wants a piece of the action, with Google and Amazon working on plans to enter the market. Even PayPal has been forced to respond to Apple’s announcement in what is becoming a very noisy space indeed.