The Last Technical Focus Group from EBUG?

Last year I was lucky enough to attend the 2012 EBUG TFG in London. In previous years, the EBUG TFG has been sponsored by ACI and held on their premises, but this year things were a bit different.  This year’s event was held at Trinity

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Mainframes – the Unsung Heroes of Payments

I came across an article the other day on a Mainframe Site by Marcel den Hartog called ‘Why do mainframe applications run FOREVER?!?’ I feel it is worth sharing with all those young guns out there. To quote Mr den Hartog “We simply don’t make

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Faster Payments Goes Global

Well maybe a slightly exaggerated title, but I was personally delighted and professionally intrigued to see that VOCALINK are preparing to deliver their Faster Payments technology in Singapore and are part of a consortium proposing to deliver the technology in Australia. Personally delighted because, as

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In the battle for supremacy is the answer always to call in the regulator?

The long-established payments infrastructures of the world are immensely powerful beasts and seem to have got their strategy right. As a platform they appear to be designed to stem any immediate threat from new entrants by being both awkward and costly to work with. These

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Getting ‘back to core business’

Over the last 4 years we have seen the payments industry in “disruptive change”. Well established organisations have all been challenged by alternative players and all are moving through change cycle stages with varying degrees of speed and success. What appears to be most interesting

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Card issuers, are you planning for Interchange Fee Revenue Loss?

I’ve said before that MasterCard’s final appeal of the EC’s December 2007 negative decision promises to be a major crossroads for the Card Industry and may have far reaching consequences. Ok, so it seems to take forever for these cases to be heard, but the

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The Casino of the Payments Marketplace

The Payments marketplace continues to consolidate with acquisitions and strategic partnerships, and at the same time attract masses of new innovative players with the next “silver bullet” solutions/models. With low Interest Rates around the world making money cheap, so rising investments are plentiful. This month’s

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Has the disruptive change created a perfect storm for Processors?

In our estimation there are somewhere in the region of 700 banks looking to change their payments infrastructure. This change has been driven by the M&A activity of banks, processors and payments vendors, leading payments solutions attracting “maturity” status and the pace of innovation within

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Card Terminals: A thing of the past?

We’ve talked about mobile commerce and how new ways to pay would have an effect on cards, but maybe the biggest shift we will see in the near term is mobile phones taking on the role of the payment terminal. Following the success of Square

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Is it “The End of Cards” or “The Future of Cards”?

It is very easy to say that the Alternative Payments Methods; Mobile, Square, iZettle, e-Commerce, Cloud Wallets etc., are approaching mass and will “replace” cards in the future. Appropriate historical analogies could be: “Cards are the end of Cash” – a statement recurring for about

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