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Apple - changing my life, one device at a time …
One of the intriguing things I find with new Apple devices is how they change the way I use mobile devices. Until I start using a new device I can only guess at what some of my use cases will look...
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Adyen takes Chip and PIN to the consumer
Today Adyen announced the launch of their Shuttle Chip and PIN reader to complement their existing ecommerce and mcommerce payment solutions. The EMV compliant Chip and PIN card reader connects to an...
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Banking in the real world
Originally published on Total Payments.Recently I undertook an experiment with a major UK bank. I decided to investigate, with my wife's assistance, how simple it would be to obtain a small buffer...
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Contactless is all about the consumer experience
Originally published on Total Payments.It's always interesting to see how payment providers approach the consumer experience when they launch new products. My recent experience with a contactless...
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Will mobile and payments play nicely together?
Originally published on Total Payments.Every day there’s at least one announcement about something new and exciting happening in the mobile payments space. But what really interests me is what happens...
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Is there a future for bank branches?
Originally published on Billing ViewsA few weeks ago my local branch of HSBC received a major refurbishment. What intrigued me about this is that in our increasingly technology centric world HSBC still...
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I've seen the future of contactless payments, it's not NFC and it works
Originally published on Billing Views.When people talk about contactless payments they usually mean contactless EMV (Europay, MasterCard, Visa) card payments or NFC (near field communication) payments...
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mPOS and the changing face of card payments
Originally published on Billing Views.Mobile point of sale (mPOS) card payments has the potential to create massive disruption both in the high street and in other places where cash has been the only...
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Digital proposition? Please don't rely on analogue fallback
Originally published on Billing Views.My top digital anathema is when the digital world falls back on the analogue world because the digital process is broken. I recently experienced an example of this...
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Does your payment system solve a problem?
Originally published on Billing Views.It's an exciting time to be working in payments. The market is experiencing a plethora of new providers; some will succeed, some will be acquired, some will sink...
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What do you do with your passwords?
Originally posted on Billing Views.Something that affects all of us in both our business and personal lives is password security. As we do more and more online, especially in the payments space, we...
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Product innovation and Steve Jobs
Wise words from Steve Jobs ...You can't just ask customers what they want and then try to give that to them. By the time you get it built, they'll want something new.
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What do I want from my bank?
Originally published on Billing Views.Normally I write about something new that’s happening in payments but today I’m writing about something that isn’t happening!The other day I was thinking about...
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Steve Jobs on design
Another of my favourite quotes from Steve Jobs ..."Design is not just what it looks like and feels like. Design is how it works."
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Taking the friction out of payments with mobile
A comment from me over on the Plusnet blog about mobile payments ...Cyber Monday and the top 5 apps that will save you money “Mobile, whether it’s contactless, card or ecommerce makes it easier because...
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Can we rely on just one provider?
Originally posted on Billing Views.Yesterday as I was thinking about the RBS NatWest systems disaster and what it meant for their customers who were financially embarrassed when their cards were...
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Will consumers Zapp?
Originally published on Billing Views.This week Zapp announced the confirmed support from five UK banks and building societies - HSBC, First Direct, Metro Bank, Santander, Nationwide. I've been...
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Consumer choice in banking
Originally published on Billing Views.Last week the news was full of comments from a certain politician about UK banks being forced to reduce their market share by selling branches. However this idea...
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Personalising your cards
Originally published on Billing Views.Payments guru Dave Birch recently commented on his frustrations at receiving new credit cards that still have magnetic stripes, embossed numbers and names on them...
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Mobile payments - where are we?
Originally published on Billing Views.With Mobile World Congress in Barcelona fast approaching it seems opportune to review the state of play in mobile payments. Mobile payments is one of those...
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