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.
17
Sep
Sep
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.
11
Sep
Sep
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!
07
Sep
Sep
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?
06
Aug
Aug
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.
01
Aug
Aug
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.
20
Jul
Jul
Mastercard are considering removing the PAN from cards by 2030. However, they mean the printed PAN. Why the misunderstanding?
07
Jul
Jul
The main purpose for the development of Open Banking was increased competition, innovation and transparency in the financial sector. How’s that going?
26
Jun
Jun
A short critique of the UK National Payments Vision, with emphasis on Open Banking as the UK National Payments Vision also emphasises Open Banking.
26
May
May
What inspiration can we take about product and project management from 2001: A Space Odyssey? More than you think – still relevant!
