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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

  • Why Human Nature Presents a Challenge for Acquirers

    Why Human Nature Presents a Challenge for Acquirers

    Thursday, May 07, 2020

    It’s one of the great paradoxes of human behavior: people are predictably unpredictable. We work in irrational ways, hearts win out over heads and the unexpected can rapidly become the norm. Try as we might, predicting the emergence of any new trend is difficult – particularly in unpredictable times – and this is just as true in the world of payments as it is elsewhere.

  • Banking Tech Gets Personal

    From API to AI to I: Banking Tech Gets Personal

    Monday, October 21, 2019

    Tired feet. Running out of business cards. Countless LinkedIn connections – sound familiar? This time of the year is conference season; the annual SIBOS (SWIFT) and Money20/20 USA gatherings spanning the autumn give attendees plenty of hot topics and talking points. My American colleagues refer to this season as “the fall.” I trust this to be an observation on leaves and fruit rather than a sequitur on the state of the fintech industry. Either way, it’s a good time to harvest, to take stock and to work out what we should be doing with the apparent abundance of innovative produce.

  • 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.