10th March 2021

Blog

What is a FinTech platform?

Competition in business is always fierce, so many Fintech businesses look to find an innovative solution to common problems in order to differentiate themselves from their rivals. Other businesses loo…

How do you future proof your fintech business?

In recent years there have been a significant number of new Fintechs 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 car…

How should a new Fintech be allocating resources?

As a new Fintech preparing to come to market with your new services there are many demands on what may initially be limited resources. You will need to obtain your FCA licence, create the platform on …

Payments – How do you want to pay for that?

The world is awash with new payment systems. We have ApplePay, Android Pay, Samsung Pay, innumerable wallets and plenty of other new systems. But we still continue to do most of our shopping with cash…

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 …

Who else will eat the banks’ lunch?

An industry has built up due to the inability of banks to work together directly. But what would happen if the banks were actually connected? With a rich, immediate communication and payment network s…

An upgrade for Credit Unions and Community Banks?

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 me…

Does PSD2 have to be complicated?

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 …

Banking on a pre-paid card platform

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 …

What will replace the card schemes?

What will replace the card schemes? There has been much talk recently about how card payments will replace cash altogether in the future. I have talked previously about my opinion that the card scheme…

How to allocate your challenger bank’s resources most effectively

How to allocate your challenger bank’s resources most effectively As challenger banks plan for their futures and look to ensure they can weather any Brexit uncertainty, they are now looking at w…

How to scale up your Fintech

 How to scale up your Fintech For the majority of businesses in the fintech space, the market has already been proven. In most cases there are now a number of fintech’s occupying the same space, so pr…

How Increased Tensions Between The EU and The UK Will Affect Fintech

Since the UK’s vote to leave the European Union last June there has been much talk about the process of Brexit and the impact of the negotiations on the UK and on Europe, particularly in relation to f…

A new payments network…

A new payments network…for a brave new world As mentioned in my previous blog there is much that is wrong with the existing payment networks, but it is always easy to criticise what others have done a…

We need new payment networks…

We need new payment networks…but we’re looking in the wrong places “The current payment networks available to the financial institutions around the world are no longer fit for purpose.” I think that t…

PCI is not the answer…

In the early 2000s when the internet was still young, Visa, MasterCard and the other major payment card schemes had a choice. They could create a system that made using credit/debit cards on the inter…