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  • Will transaction banking please step forward?

    Tuesday, March 22, 2011

    The provision of payments is a fundamental function of banking, practically as old as money itself. But since the introduction of cheques more than 350 years ago, the payments landscape has been evolving continually, due to changing customer requirements, competition, legislation and technology.

  • Looking forward to IPS

    Friday, March 18, 2011

    As we prepare for the IPS event in London next week, I am looking forward to the presentations and conference sessions, of course, but I think I am looking forward to the one-to-one discussions on the stand even more. There is no doubt that this is an exciting time in the industry and there are still a lot of changes happening.

  • Card fraud increases 60 per cent in 18 months

    Thursday, March 10, 2011

    ACI’s 2010 Global Card Fraud Survey has been making a splash in the media over the last few weeks. According to our research, approaching a third (29 per cent) of consumers across eight major economies have been victims of card fraud in the past five years. This is up from less than a fifth (18 per cent) in summer 2009.

  • 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.

  • Mobile NFC - The chicken and the egg arrive together!

    Thursday, January 27, 2011

    The full scale launch of a new mobile phone payment solution by Orange and Barclaycard, marks a sea change for electronic payments both in the UK, and a wider afield. We have seen many successful mobile NFC pilots with consumers loving the speed and convenience, but until now no commercial roll out of this technology.

  • We have a collective responsibility for fraud

    Thursday, January 27, 2011

    News out today from the National Fraud Authority (NFA) shows that fraud costs the UK economy £38bn a year – leaving every adult in the UK £765 worse off.

  • Cutting channel costs key to profitability

    Tuesday, January 25, 2011

    A recent report from Efma and Finalta has shown that improving cooperation between branch, internet and call centre channels is the top strategic priority for nearly half of Europe's retail banks in 2011.

  • SEPA - Still engulfing payment agendas?

    Monday, January 17, 2011

    Another New Year, but still the same old SEPA discussion – when? If? Whilst the industry is inching forward, with the draft of the regulation proposing the migration to SEPA schemes published in Dec 2010, there is still along way to go and the hard work doesn’t stop there for anyone. Based on the conversations that I’m having with clients, there are some points worth remembering.

  • 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.

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