by Chris Brown | 28th September 2017 | banking, Challenger Bank, Credit Unions, Fintech, Payment Network, PSD2
Improving lives through better banking Imagine a world where banks are connected. Not just in the fairly tentative way they are now through all the third-party payment networks like card schemes and SWIFT but really connected. So they can pass rich, detailed messages...
by Chris Brown | 20th September 2017 | Fintech, Payment Network
Who else will eat the banks’ lunch? An industry has built up due to the inability of banks to work together directly. PayPal ($70.7B) first came into existence to add a layer of ease and security to the card schemes because the card schemes don’t provide the...
by Chris Brown | 1st August 2017 | Credit Unions, Fintech
An upgrade for Credit Unions and Community Banks?Credit unions have been a hot topic for me this week. I have had two completely independent conversations with people about them. On Tuesday night I met a chap from the US at an investor summit who mentioned he felt the...
by Chris Brown | 28th July 2017 | Fintech, Payment Network, PSD2
Does PSD2 have to be complicated? There has been a huge amount written about PSD2 recently and much of it appears to be, with the greatest respect, over complicating the issue. Very fundamentally, to provide for all of the requirements of PSD2, we have three...
by Chris Brown | 14th July 2017 | Challenger Bank, Fintech, Payment Network
Banking on a pre-paid card platform In recent years there have been a significant number of new “neo-banks” or “challenger banks” launched with much hype, here in the UK. Many of these appear to have been brought to market quickly, on the back of a pre-paid card...
