AI: Four Digits of Assumption
The Human propensity to accept “the facts” coupled with an acceptance of the ability of AI to deliver “the facts” is creating a downward spiral of unintended misinformation, which is constantly being used to reference and re-reference itself.
Dec
Halifax and Beyond: What Happens When Communities Become Corporations?
The Halifax Permanent Building Society was founded in 1852. It began as a mutual endeavour, providing affordable housing for working people. By embodying community values, it grew into the world’s largest building society - until the rise of corporate interests reshaped its mission forever.
Nov
x402: The Old-New HTTP Code That isn’t the Golden Future of Payments
x402 makes blockchain payments seamless — and irreversible. Perfect for IoT, perilous for people. Push payments strip away the safety nets of chargebacks and consumer protection. Finality without recourse isn’t progress.
Oct
The Lying Bastard
It’s easy to lie when your audience doesn’t know what good looks like, and it’s so much easier if the team is indispensable! Are we on target to learn, or will we miss the target and get the finger?
Oct
The ATM as a Social Construct
In the UK, the number of cash machines is quietly shrinking, and with every one that disappears, it takes with it a vital lifeline for millions who rely on cash for their basic needs.
Sep
Texting Shillings: The Genius of M-Pesa
M-Pesa turned the humble mobile phone into a wallet, creating a giant shared bucket of money spread across shops, banks, and tills, transforming how millions in Kenya move and manage cash.
Sep
Innovation, or Just a Faster Horse?
Have we allowed “innovation” to be hijacked by marketing? We add a new colour, a shinier material, or a slicker User Experience and suddenly it’s a breakthrough. If everything is innovation, then nothing is!
Sep
Money Movement Models
There are essentially three ways of moving money around a payment ecosystem: bank rails, card rails and the Bucket of Money. Each can be ideally paired with some payment services but not with others. It's Football and Rugby - how hard can it be?
Sep
The Wise Old Open Banking Experience
The other day my wife asked me what the best card for a trip to Dubai might be. I considered Wise to be a good choice, although there are clearly other options, but that’s not the point.
Aug
Talking to Barclaycard Customer Services
Is it any wonder that Barclays top the UK charts of crap customer service. I had a non-standard problem, I called customer services and I still have a non-standard problem.
Aug
Mastercard phasing out 16-digit Card Numbers
Mastercard are considering removing the PAN from cards by 2030. However, they mean the printed PAN. Why the misunderstanding?
Jul
Open Banking for Dummies
The main purpose for the development of Open Banking was increased competition, innovation and transparency in the financial sector. How's that going?
Jul
Explore the Future of Payments
The global payment ecosystems continues to evolve with technologies like AI, tokenisation, and real-time payments.
Stay ahead of the game by diving deeper into the world of payment processing.
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