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There is a link between AI and the blockchain – I think
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…
Articles by David Birch
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Going cashless doesn’t mean drifting into cashlessness
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…
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Here’s how to avoid email phishing scams: stop using email
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…
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Why (and how) the banks of the future must ‘Amazonize’ themselves
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…
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China finally adopts PSD2-style security for digital payments
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…
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2018 Preview: Open banking and other FinTech trends to watch
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…
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China loves digital currency but can it go truly cashless?
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…
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Worldpay’s payments R&D should make banks green with envy
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…
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Thanks to Apple, NFC tags are finally a viable alternative to QR codes
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…
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To tap or not to tap: that is the mobile payments question
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…