Regulation
The FCA’s five year vision
It’s funny that I’m blogging so much about trust and identity, but that seems to be the theme of the year. So when I saw the new release of the Financial Conduct Authority’s five-year vision I was struck by the Chair’s opening page, which is all about trust. Ashley Alder writes: “When financial services are strong…

European regulation strangulation, part 2
America innovates, China replicates and Europe regulates I often find the maze of European regulations hard to follow and track. It’s ok if you’re tracking one – like the Payment Service Directives and Regulations – but when you’re trying to track many, it’s an ever changing cauldron. Right now, I’m trying to work out with…

Is 2025 Meta’s nemesis year?
Thinking about the Big Tech firms, most of them are enabling commerce. Amazon and Apple are building specific structures to make buying and selling easy. But one company is enabling fraud, scams and criminal activities. Meta. Meta runs Facebook, Instagram and WhatsApp, as well as many other ventures from augmented reality to their X-like idea…

Who are you? eIDAS2!
I recently stumbled across an update of eIDAS. Have you heard of it, eIDAS2? It’s all about our digital identities in the European Union. The first eIDAS – short for electronic Identification, Authentication, and trust Services – tried to sort out all the ways to recognise who you are online. That first version was implemented…

Can you close the gate after the horse has bolted?
We need global regulation of all technology … but can we? Building on yesterday’s piece, there is a call in many circles for the global regulation of Big Tech. In fact it goes far further than Big Tech. It’s a call for regulating everything online. From cryptocurrencies to social media to artificial intelligence … it…

A new Payment Services Directive, PSD3: what’s in it?
In June, the EU put forward proposals for a new Payment Services Directive, PSD3. Having been involved in these developments since their inception in the 2000s, I was intrigued to read the text of PSD3, particularly as the main point bankers made about PSD2 is that they were forced to open up to Third Party…

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