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Regulation

SEPA: why is e-invoicing missed out?

More on my euro week and it’s funny how the world goes around, what goes up must come down, tomorrow is another day, and e-invoicing is not part of SEPA.  The European Payments Council (EPC), which comprises the bank policymakers of SEPA, has explicitly said so: e-invoicing is not part of SEPA.  I asked the…

SEPA: why is e-invoicing missed out?

More on my euro week and it’s funny how the world goes around, what goes up must come down, tomorrow is another day, and e-invoicing is not part of SEPA.  The European Payments Council (EPC), which comprises the bank policymakers of SEPA, has explicitly said so: e-invoicing is not part of SEPA.  I asked the…

SEPA: to interchange or not to interchange

There were plenty of discussions at the European Parliament about SEPA, but most of the discussions narrowed down to the current top-of-mind issues related to card and interchange fees.  With the decision on MasterCard’s Interchange fees about to be handed down, here’s a flavour of the discussion as presented in two speeches. The first is…

A month after MiFID and ‘nothing happened’ – who says?

OK so it’s not quite a month since MiFID came into force on 1st November, and I got a flurry of emails over a statement made by one of the research firms* that, "It’s been remarkably quiet. I don’t think there’ve been any big issues … I think everyone can be pleased that they’ve complied." …

How many bankers does it take to change a lightbulb?

Eight of course. One to change the lightbulb. A second to assess the risk of the light bulb changing process. A third to ensure the light bulb changing process adheres to the internal compliance regime for health and safety during light bulb changes. A fourth to ensure that the internal purchase order procedures have been…

How many bankers does it take to change a lightbulb?

Eight of course. One to change the lightbulb. A second to assess the risk of the light bulb changing process. A third to ensure the light bulb changing process adheres to the internal compliance regime for health and safety during light bulb changes. A fourth to ensure that the internal purchase order procedures have been…

How many bankers does it take to change a lightbulb?

Eight of course. One to change the lightbulb. A second to assess the risk of the light bulb changing process. A third to ensure the light bulb changing process adheres to the internal compliance regime for health and safety during light bulb changes. A fourth to ensure that the internal purchase order procedures have been…

US Basel II Implementation – Final Rules

One event I missed posting on at the time was the final agreement of all of the US regulators on the way that Basel II will be implemented in the US that happened 10 days ago. After some seriously silly obstinate argument from the FDIC, I was please to note at the time that the…

US Basel II Implementation – Final Rules

One event I missed posting on at the time was the final agreement of all of the US regulators on the way that Basel II will be implemented in the US that happened 10 days ago. After some seriously silly obstinate argument from the FDIC, I was please to note at the time that the…

Greenspan and the credit crunch

Two of the keynotes at this year’s BAI Retail Delivery Show are Bob Geldof and Alan Greenspan.  Bob Geldof, the liberating freedom fighter for justice for Africa, wiping out third world poverty and forcing politicians and bankers to give him their f***ing money, whose six-figure pay cheque for his speech is obviously going to Africa…

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