
SMS for 2FA security – who are they kidding?
SMS was deprecated as authentication more than a decade ago, yet Twitter announced that it will only allow its users to secure their accounts with SMS-based 2FA Read more…
SMS was deprecated as authentication more than a decade ago, yet Twitter announced that it will only allow its users to secure their accounts with SMS-based 2FA Read more…
Follow this golden rule, and you will find ChatGPT and its ilk very useful. Never ask a question that you do not already know the answer to. Read more…
The state of internet security is pathetic. It’s no wonder that fraud is at epic levels when vast swathes of the internet depend on passwords for security. Read more…
If we think about the idea of digital identity in the Internet of Things, then luxury goods such as watches and Gucci handbags make for an interesting example. Read more…
Asking the public for their opinions about crypto and digital cash is like asking people in the days of bulletin boards what they want from social media. Read more…
I’ve seen so many different descriptions of the metaverse, the new cyberspace for work, rest and play it’s really unclear to me what it is. Read more…
Fraud is getting out of control and we need population-scale digital identity infrastructure to have even a chance of tackling it. Read more…
Lack of productivity growth is because fintech is being used to support existing products, processes, regulation and institutional structures Read more…
I think I can see that if there is an interesting connection between AI and blockchain then it’s not about using the blockchain as a glorified Excel spreadsheet. Read more…
The shift to cashless society must be planned to help low-income and elderly groups so that they share in the benefits of cashlessness. Read more…
One result of getting your online credentials stolen may be fraudulent phishing emails pretending to be from a company you do business with. There are two ways said business can mitigate that: encrypt all their Read more…
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…
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