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Zapp could be a window into a “third scheme”
Down at Cards and Payments Australia in Melbourne I sat in on some interesting discussions about the coming Aussie immediate settlement system, the New Payments Platform (NPP, their more advanced...
View ArticleTokens are for everyone
Tokenization, the process of replacing card account numbers held in insecure locations (such as in a retailer near you) with an alias, is currently all the rage among the financial fraternity. The...
View ArticleThe user experience will make, or break, mobile payments
Being a keen consumer of baked pastry goods, and having a firm desire to see the pieces of plastic & cardboard in my wallet transferred to my phone, you can understand my excitement when the...
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Contactless limits
So the “contactless limit” (i.e., the maximum amount that a contactless no-PIN transaction can be for) went up to £30 today. This is a reflection of the popularity of contactless in the UK. The latest...
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From haute couture to HCE
My keen interest in fashion is widely known and my role as a facilitator and intermediary between the worlds of payments and fashion is widely respected. I stand as bridge between style and secure...
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Contactless, eh?
Well here I am in Canada getting ready for the terrific Toronto Tomorrow’s Transactions Unconference 2015 (you can follow it using the hashtag #TTTU2015). It’s such a great country! I love it here. You...
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Secure-enough transit mobile ticketing
This year, I’ve been mostly working on ITSO ticketing in NFC mobiles devices with HCE and without secure elements. ITSO is the e-ticketing specification supported by the Department for Transport in...
View ArticleManaging the join
Since 2008 we have been working with Transport for London to allow contactless payment cards (CPCs) to be accepted wherever Oyster cards are accepted. This was first achieved in December 2012 on buses...
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Technology roadmapping
In 2005 when we performed an update to our biometrics and identification technology roadmap for the UK police, body odour was a ‘technology’ that was looking interesting, but not mature enough. The...
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A swift transition to in-app in Cologne
The kind people at Visa Europe invited me over to give the keynote talk at their Retailer Forum in Cologne. The thrust of my talk was the transition to in-app (and the corresponding shift in retailer...
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Wombling free
You all watch Only Connect, right? I was amazed to see a question I knew the answer to due to our nerdiness in specifying the software for Transport for London’s Tri-reader that works with Oyster,...
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Retailer pressures for direct-to-account payments
Back in the October edition of “Digital Transactions” there was a nice column by George Warfal from our friends at Edgar Dunn called “The Next Way to Pay” in which he says that “merchants are...
View ArticleTransport for the North
Cash still accounts for 48% of transactions in the UK, according to Moneybox on BBC R4 just now. As part of this programme, Shashi Verma from Transport for London was being interviewed about the...
View ArticleShould customers be charged more to use chip and PIN? Yes!
Now that more than one in ten retail card transactions is in the UK is contactless, I think we’re beginning to approach a tipping point around the technology. This is important, because I think it’s a...
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Ten more years! Ten more years!
Saint Valentine, as I am sure you all know, is the patron saint of customer verification methods (CVMs). We celebrate St. Valentine’s Day on 14th February every year to commemorate the introduction of...
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How can we reshape retail without reshaping payments?
Well, the circus came to town again. Barcelona. It’s 100,000 people and non-stop meetings and basically no fun whatsoever. But it’s in Barcelona. The calendar is jammed from first thing in the morning...
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Trends in smart ticketing
I’ve been thinking a lot about smart ticketing system trends in recent months. It is a subject of interest to a lot of our clients. Card-centric ‘Closed-loop’ Systems At the front-end of a smart...
View ArticleOpen-loop payment in transit
In my previous blog, I talked about the trends in smart ticketing systems leading to account-centric and open-loop payments which I want to consider in more detail in this blog. ‘Open-loop’ Payments...
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Taxis, Boris Johnson and another step closer to VC Day
Speaking at the European Payment Summit this year, where he was chairing the panel discussion on Mobile Digital Payments, Michiel Verhaagen (Chief Commercial Officer at AirPlus International) told a...
View ArticleContactless bank cards not safe
According to Katie Morley from the Telegraph: Millions of passengers across Britain could be left stranded under plans for every bus in Britain to go cashless despite widespread security fears over...
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