I was just writing a paragraph about mobile for a client's report, when I realised what I had written: This year has seen dramatic innovations in mobile usage, such as those of the Bank of America in the USA. According to Doug Brown, SVP at Bank of America responsible for their mobile banking channel, they…
It's forty days since the introduction of the Payment Services Directive (PSD), so there has been lots of chat about the PSD this week, and how it’s working or not working. Derogations and interpretations are rife, with the hottest and most contentious issue being the fact that charges are now meant to be shared (SHA…
It's forty days since the introduction of the Payment Services Directive (PSD), so there has been lots of chat about the PSD this week, and how it’s working or not working. Derogations and interpretations are rife, with the hottest and most contentious issue being the fact that charges are now meant to be shared (SHA…
It's forty days since the introduction of the Payment Services Directive (PSD), so there has been lots of chat about the PSD this week, and how it’s working or not working. Derogations and interpretations are rife, with the hottest and most contentious issue being the fact that charges are now meant to be shared (SHA…
I’ve had a couple of good debates in the last week or so about the value of real-time everything. Everything is instant, immediate, no waiting, it’s real-time. We expect instant gratification in everything we do and, any waiting, it’s click and delete. Case in point: the PC gets stuck. How long do you wait before…
I’ve had a couple of good debates in the last week or so about the value of real-time everything. Everything is instant, immediate, no waiting, it’s real-time. We expect instant gratification in everything we do and, any waiting, it’s click and delete. Case in point: the PC gets stuck. How long do you wait before…
Thomas Bostrøm Jørgensen, CEO of mobile payments and financial solutions firm Luup, presented at the FSClub the other day. He spun an interesting story, particularly around the tripartite models emerging of mobile financial services, where they are either bank-led, carrier-led or a bank-carrier partnership. The latter is probably harder than the other models, as it…
Last year, I was a judge with the Card Awards. This year I couldn't make it, but they have just announced the shortlist. Here it is: Best New Credit Card Product of the Year Barclaycard – Barclaycard Goldfish Low Rate ProductEgg – Egg Money World MasterCardLeeds United and LaSer UK – Leeds United MasterCardNational Australia…
Just received a press release from the UK Payments Council that makes interesting reading. The figures show that spending by card, cheque, cash and automated payments over the last six years has changed little, beyond the usual variance to consumers' payment habits, despite the difficult economic conditions. The latest quarterly figures reveal that: The number…
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