Open banking will require banks to ‘Amazonize’ themselves, where products are created as API services and distributed throughout the consumption of API services. Here’s how they could go about doing that. In his new book Read more…
QR codes are everywhere because anyone can read them, anyone can use them, and anyone can write them. This is in part because there is no security infrastructure. The result in China, where there was Read more…
Consult Hyperion picks its five major FinTech trends for 2018. Included: open banking, conversational transactions, the Internet of Cars, and (of course) AI and ICOs It’s that time of year again. I’ve had a chat Read more…
China’s central bank wants to ditch paper money eventually. The big challenge is: who gets to create digital currency as legal tender? The Chinese were first with the great transition from commodity money to paper Read more…
One of my very favorite companies has always been Worldpay. They have a very special place in my heart because many years ago, when they were first starting out, I was sent up to Cambridge Read more…
A decade ago I remember writing that one of the problems with QR codes is that there is no security. Some years later I wrote an article pointing out that NFC ought to be safer than QR Read more…
There’s a lot of consumer frustration over mobile contactless payments, but that may not matter if apps, not contactless, are the future of mobile payments How are mobile payments getting on in the UK? According Read more…
The future of cryptocurrency for banks could be as a settlement money that connects other different monies. The big question is whether this is this a role for Bitcoin specifically? My old friend Alistair Milne recently published Read more…
Blockchain is set to disrupt supply chains, but could it prevent fraud problems like the Salad Oil Swindle of 1963? Actually, yes it could I’m not sure if you’re supposed to have a favorite supply Read more…
Estonia. Land of saunas, shepherds and song festivals. I keep hearing about Estonia all of a sudden, and not for any of these reasons but because of the blockchain. At meetings and conferences, I keep Read more…
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