As the year draws to a close it’s worth reflecting on some of the more interesting disruptions in payments we’ve seen this year. Highlights for me include … The launch that will perhaps have the […]
One of the most contentious subjects in UK retail banking is around branch closures. According to the Campaign for Community Banking Services, more than 8,000 UK bank branches have closed since 1990. This decline will […]
There has been much discussion recently about the decision of two retailers in the US to drop NFC payments in order to stop Apple Pay being used in their stores. These stores are part of […]
A few weeks back I spotted the bPay band from Barclaycard which supports contactless NFC payments via a wristband. Using the bPay website you load money from a debit or credit card and then make […]
Recently The Economist published an article on Metro Bank and its strategic focus on bank branches. We hear much about the death of the branch but here is a bank building its entire strategy around the […]
Innovation in payments tends to be evolutionary, rather than revolutionary. The success stories in payments tend to be based on taking what’s already there and making it work better. This approach also happens to be […]
For the third year running the tech press has been debating whether or not the new iPhone will have an NFC chip and whether Apple will launch an NFC based payments service. This year leaked parts from […]
I was thinking the other day about where retail banking should go next. However hard you look for the account package that suits your needs, you end up choosing accounts that have been designed by […]
There’s been a lot of discussion recently in the UK about challenger banks. But what exactly constitutes a challenger bank? In the consumer space, for me it’s a bank that aims to take customers from […]
A recurrent payments theme for me is around payments being an enabler, not a barrier, to the consumption of goods and services. Unfortunately all too often it is a barrier and this results in consumer […]
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