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Paul Styles

Paul Styles

Product Marketing Manager

Paul Styles

More articles by Paul Styles

  • Integration mitigation

    Tuesday, February 14, 2012

    In an increasingly commoditized payments world, it is no surprise that banks seek to differentiate their payments offering. Technology is usually the key enabler in creating competitive advantage, but soaring IT integration costs can all too easily derail the bank’s efforts.

  • Happy New SEPA

    Tuesday, January 03, 2012

    About a year ago, in my blog ‘On your marks for SEPA’, I commented on the European Commission’s proposals for the setting of end dates for the migration from legacy instruments to SEPA credit transfers and direct debits. I wrote: “At least the whole industry knows that serious planning can now no longer be delayed. We don’t yet have the final ‘go’ but we now know we’re under starter’s orders.”

  • Regulations: heads, you win; tails, I lose

    Thursday, November 03, 2011

    The proposals to update the Mifid directive governing European financial markets is just the latest in a slew of regulatory initiatives to hit the financial services market.

  • The Executive Payments Forum debate at Sibos

    Thursday, September 22, 2011

    Regulation is a fact of life in the payments business but the panellists in this Sibos session were united in their opinions on how best it should be tackled. And common standards and communication are at the root of their recommended approach.

  • Let us go then, you and I, to Sibos

    Wednesday, August 03, 2011

    Sibos once again fast approaches, the programme is largely set and delegates can begin to plan their week in Toronto in some detail.

  • Let’s hear it for the payments big boys

    Wednesday, May 25, 2011

    Since the financial crisis, supervisors across the world have been trying to work out ways of dealing with banks deemed to be ‘too big to fail’. The most obvious solution (and the most simplistic) is to chop them up into manageable bits so none are too big or interconnected to be allowed to fail, because the current received wisdom seems to be that banks that are smaller and more modular are less of a risk.

  • Cutting costs is not enough

    Thursday, March 24, 2011

    Yesterday at the IPS conference in London, a major theme emerged for payment banks: managing costs is no longer enough to maintain a successful payments business – banks simply have to become more efficient.

  • Per Ardua Ad SEPA

    Wednesday, February 16, 2011

    SEPA is due to become a full-blown regulatory event once the end-dates are set by legislation. The first reaction to any regulatory change is generally that of ‘response’ – dealing with any required change. And that is often the minimum to achieve compliance.

  • On your marks for SEPA

    Thursday, December 16, 2010

    The European Commission has today published proposals for the setting of end dates for the migration from legacy instruments to SEPA credit transfers and direct debits. It’s taken a while but there has now been a ceremonial bowing to the inevitable.

  • A post-Sibos perspective on SEPA

    Saturday, December 11, 2010

    Against all the odds, SEPA remained an active topic of discussion at Sibos in Amsterdam, with a degree of clarity about the specific issues of migration not usual in the SEPA debates of late. At least the imminent setting of a SEPA migration end date(s) is anticipated - with eagerness or trepidation depending on your point of view and preparedness.