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
National Payments Vision
A short critique of the UK National Payments Vision, with emphasis on Open Banking as the UK National Payments Vision also emphasises Open Banking.
Jun
Inspiration from 2001: A Space Odyssey
What inspiration can we take about product and project management from 2001: A Space Odyssey? More than you think - still relevant!
May
How AI Legitimises Flawed Human Responses
In an era where artificial intelligence (AI) is increasingly trusted as an authoritative source of information, a subtle but dangerous phenomenon is emerging – the tendency for AI to legitimise flawed or misleading human responses by synthesising and amplifying them.
May
IONOS SSL email clicker scam
I very nearly clicked, it looked convincing at first sight, but then on closer inspection ...
May
How the PCI-DSS facilitated the Shimmer
PCI-DSS has led to the widespread use of chip card shimmers across the US. Shimmers don't work if chip cards are implemented properly, but the PCI-DSS, by design, focuses development attention on magstripe rather than chip.
May
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.
Have questions or need expert insights? Contact us.
