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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

  • Erste Bank Hungary ACI Innovation Awards

    Customer Innovation: Erste Bank [Q&A]

    Monday, August 12, 2019

    The global banking sector is becoming both more strategically focused and technologically advanced, responding to rising consumer expectations while trying to defend market share against an increasing array of competitors. A great deal of emphasis is being placed on digitizing core business processes, and reassessing organizational structures and internal talent to be better prepared for the future of banking.

  • Real-time ready for banks

    What it Means for a Bank to be Real-Time Ready – It’s More Than Just Payments

    Tuesday, March 12, 2019

    Banks are quickly learning that real-time enablement of the business is more than just a technological upgrade – there is a wider challenge of transforming services and customer experience. Although the banking world faces this challenge with some trepidation, there are success stories from other industries that have overcome legacy technologies and transformed frustrating and opaque customer experiences.

  • open banking one year on

    What Can the Re-Regulation of Other Industries Tell Us About Open Banking One Year On?

    Wednesday, January 16, 2019

    UK Open Banking just reached its first birthday milestone (on January 13 to be precise) and given my own commentary – including in the ACI blog – on this topic, the first anniversary of Open Banking in the UK certainly won’t pass without a debrief on the progress that’s been made and what challenges lie ahead.

  • 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.