Payment system regulation as barrier to payment system innovation

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If we want more innovation, we need more competition, not more regulation.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Identity, so I hear, is the new money

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The CSFI roundtable on my book “identity is the new money” left me utterly depressed. Every single book sold was sold for cash. I will never recover from the embarrassment and public humiliation. Still, at least they sold some.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Identity might work better bottom up

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One way to help people obtain financial capital is by helping them to build up social capital.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Crime and contactless

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Just because there isn’t any contactless crime does not mean that we should ignore the fears of consumers (or, for that matter, the police). Time for some mass market education on cuddle cards, as I now call them.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Scandinavian models and Russian cash

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We used to talk about the “Scandinavian model” when talking about the mixed economy and welfare state. But I’m interested in the other Scandinavian model.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Contactless sentiment

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Social media sentiment provides a useful perspective on the evolution of contactless payments in the UK.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Japan and the US are special cases for mobile payments

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The US shouldn’t look at Japan as a model for mobile payments, and Europe shouldn’t look at the US.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Payment system regulation as barrier to payment system innovation

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The new payment systems regulator is tasked with increasing innovation. This means increasing competition, which means reducing barriers to entry.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Contactless innovation in wearables (nothing new!)

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I’m a big believer in wearables (not watches). But then I have been for a while.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.

Bitcoin wasn’t designed for retail payments

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Bitcoin may never be the best retail payments mechanism, but that doesn’t matter, because retail payments aren’t really what it is all about.

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These are the personal opinions of Consult Hyperion and its guests and should not be misunderstood as representing the opinion of its clients or suppliers. To discuss how any of the technologies discussed in this post can benefit your business, please contact Consult Hyperion.