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  <url><loc>/2014/12/banks-and-blockchains-and-clouds-oh-my/</loc></url>
  <url><loc>/2014/12/checking-up-on-cheques/</loc></url>
  <url><loc>/tag/cash/</loc></url>
  <url><loc>/tag/counterfeits/</loc></url>
  <url><loc>/tag/banknotes/</loc></url>
  <url><loc>/2015/01/payments-and-portability-again/</loc></url>
  <url><loc>/2015/01/i-think-the-evidence-on-apis-is-pretty-clear/</loc></url>
  <url><loc>/2015/01/the-new-year-three-party-party/</loc></url>
  <url><loc>/2015/02/groundhog-day-on-my-laptop/</loc></url>
  <url><loc>/2015/01/who-cares-what-is-or-isnt-legal-tender/</loc></url>
  <url><loc>/2015/01/the-bastard-child-of-the-blockchain-and-the-internet-of-things-the-identiverse/</loc></url>
  <url><loc>/2015/01/electronic-gift-certificates-are-electronic-money/</loc></url>
  <url><loc>/2013/02/is-the-nature-of-m-pos-competition-changing/</loc></url>
  <url><loc>/2014/11/doing-something-about-cybercrime-cyberterrorism-and-cybersubversion-not/</loc></url>
  <url><loc>/2014/06/targetting-decoupled-debit/</loc></url>
  <url><loc>/2013/04/social-hacks-are-going-to-be-replaced-by-computations-across-the-socia/</loc></url>
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  <url><loc>/2012/07/security-isnt-the-killer-app-for-digital-identity/</loc></url>
  <url><loc>/2014/10/im-not-keeping-an-open-mind-about-bitcoin-and-nor-is-the-government/</loc></url>
  <url><loc>/2014/10/the-british-cash-gap/</loc></url>
  <url><loc>/2012/09/cor-look-at-the-embossing-on-that/</loc></url>
  <url><loc>/2010/03/is_a_person/</loc></url>
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  <url><loc>/author/lanny-byers/</loc></url>
  <url><loc>/tag/money2002/</loc></url>
  <url><loc>/tag/merchants/</loc></url>
  <url><loc>/tag/farming/</loc></url>
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  <url><loc>/tag/debit-cards/</loc></url>
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  <url><loc>/tag/crowdsourcing/</loc></url>
  <url><loc>/tag/digital-identity/</loc></url>
  <url><loc>/tag/asp/</loc></url>
  <url><loc>/tag/apple/</loc></url>
  <url><loc>/tag/tpp/</loc></url>
  <url><loc>/tag/p2p-person-to-person-interpersonal-payments/</loc></url>
  <url><loc>/tag/fees/</loc></url>
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  <url><loc>/tag/shadow-economy/</loc></url>
  <url><loc>/tag/social-media/</loc></url>
  <url><loc>/tag/cash-cashless/</loc></url>
  <url><loc>/tag/aml/</loc></url>
  <url><loc>/tag/nigeria/</loc></url>
  <url><loc>/tag/wallets/</loc></url>
  <url><loc>/tag/social-capital/</loc></url>
  <url><loc>/tag/reputation/</loc></url>
  <url><loc>/tag/decoupled-debit/</loc></url>
  <url><loc>/tag/psp/</loc></url>
  <url><loc>/tag/currency/</loc></url>
  <url><loc>/category/3-money/3-3-cash-replacement/page/2/</loc></url>
  <url><loc>/tag/prepaid/</loc></url>
  <url><loc>/tag/geography/</loc></url>
  <url><loc>/tag/coins/</loc></url>
  <url><loc>/tag/plastic-banknotes/</loc></url>
  <url><loc>/tag/entitlement/</loc></url>
  <url><loc>/2014/07/page/2/</loc></url>
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  <url><loc>/tag/pointess-speculation/</loc></url>
  <url><loc>/tag/black-economy/</loc></url>
  <url><loc>/tag/notes/</loc></url>
  <url><loc>/2014/07/cashless-the-kiwi-way/</loc></url>
  <url><loc>/2014/11/casino-royale-with-cheese-part-9/</loc></url>
  <url><loc>/tag/money-2/</loc></url>
  <url><loc>/2014/10/cash-is-a-feminist-issue/</loc></url>
  <url><loc>/2014/06/identity-so-i-hear-is-the-new-money/</loc></url>
  <url><loc>/tag/identity-privacy-technology-consumer/page/2/</loc></url>
  <url><loc>/tag/tax/</loc></url>
  <url><loc>/tag/privacy/</loc></url>
  <url><loc>/2014/11/casino-royale-with-cheese-part-8/</loc></url>
  <url><loc>/tag/sweden/</loc></url>
  <url><loc>/tag/proximity/</loc></url>
  <url><loc>/tag/api/</loc></url>
  <url><loc>/tag/retailers/</loc></url>
  <url><loc>/tag/cash-and-cashlessness/</loc></url>
  <url><loc>/tag/kyc/</loc></url>
  <url><loc>/tag/nordics/</loc></url>
  <url><loc>/tag/cash-replacement/</loc></url>
  <url><loc>/2014/07/special-report-didnt-we-have-a-lovely-day-the-day-we-went-to-the-italian-parliament/</loc></url>
  <url><loc>/2014/07/bitcoin-as-flux-capacitor/</loc></url>
  <url><loc>/2014/07/api-blast-part-2-ecb-eba-and-dag/</loc></url>
  <url><loc>/2014/06/payment-system-regulation-as-barrier-to-payment-system-innovation-2/</loc></url>
  <url><loc>/2014/06/japan-and-the-us-are-special-cases-for-mobile-payments/</loc></url>
  <url><loc>/tag/xs2a/</loc></url>
  <url><loc>/tag/crime/</loc></url>
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  <url><loc>/2014/07/api-blast-ends-with-part-3-euro-api-ott-dgcomp-and-dgint/</loc></url>
  <url><loc>/2014/07/tap-into-nigeria/</loc></url>
  <url><loc>/2014/06/family-faster-payments/</loc></url>
  <url><loc>/2014/05/cash-hits-the-excluded/</loc></url>
  <url><loc>/2014/04/post-functional-cash/</loc></url>
  <url><loc>/2014/07/api-blast-part-1-psd-xs2a-tpps-and-psps/</loc></url>
  <url><loc>/2014/06/never-mind-the-last-mile-what-about-the-last-millimetre/</loc></url>
  <url><loc>/2013/11/everything-old-is-new-again-including-assassination-markets/</loc></url>
  <url><loc>/2013/11/bitcoins-backups-and-bottoms-most-disgusting-post-so-far/</loc></url>
  <url><loc>/tag/mobile/</loc></url>
  <url><loc>/2014/01/we-must-have-practical-alternatives-for-supermarkets-and-strippers/</loc></url>
  <url><loc>/2014/06/identity-might-work-better-bottom-up/</loc></url>
  <url><loc>/tag/nfc/</loc></url>
  <url><loc>/tag/contactless-2/</loc></url>
  <url><loc>/2014/11/casino-royal-with-cheese-part-11-of-11/</loc></url>
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  <url><loc>/2014/08/private-money-and-privacy-money/</loc></url>
  <url><loc>/2014/07/revolutions-start-with-the-middle-class/</loc></url>
  <url><loc>/2014/06/scandinavian-models-and-russian-cash/</loc></url>
  <url><loc>/2014/11/casino-royale-with-cheese-part-6/</loc></url>
  <url><loc>/2014/11/who-does-aml-hurt/</loc></url>
  <url><loc>/2013/07/monday-museum-monopoly-money/</loc></url>
  <url><loc>/2010/04/cloudy-with-a-chance-of-pki/</loc></url>
  <url><loc>/2013/03/money-is-dirty-but-so-are-we/</loc></url>
  <url><loc>/tag/banks/</loc></url>
  <url><loc>/2014/11/contactless-innovation-at-chyp-towers/</loc></url>
  <url><loc>/2014/09/authentication-expectations-are-changing-rapidly/</loc></url>
  <url><loc>/2014/10/post-porn-is-a-serious-issue-and-so-is-identity/</loc></url>
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  <url><loc>/2014/10/the-phoney-war-is-over-part-1/</loc></url>
  <url><loc>/2014/10/we-still-havent-finished-talking-about-mobile-wallets/</loc></url>
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  <url><loc>/author/john-elliott/</loc></url>
  <url><loc>/category/digital-money-forum/page/7/</loc></url>
  <url><loc>/2010/04/cloudy-with-a-chance-of-pki/feed/</loc></url>
  <url><loc>/tag/cardholder/</loc></url>
  <url><loc>/tag/technology/</loc></url>
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  <url><loc>/2014/02/yep-people-are-interested-in-nfc-again/</loc></url>
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  <url><loc>/2011/11/up-a-gum-tree/</loc></url>
  <url><loc>/2012/02/long-and-longer/</loc></url>
  <url><loc>/2011/08/at-last-now-we-can-start-building-the-legacy-system/</loc></url>
  <url><loc>/2012/04/payments-work-fine-why-are-you-bothering-us/</loc></url>
  <url><loc>/2012/02/a-quick-response-to-the-problem/</loc></url>
  <url><loc>/2011/07/sign-language/</loc></url>
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  <url><loc>/2012/03/beyond-the-leather/</loc></url>
  <url><loc>/2012/10/the-worlds-first-cashless-country/</loc></url>
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  <url><loc>/2007/01/its_the_paystat/</loc></url>
  <url><loc>/2011/08/friends-and-relations/</loc></url>
  <url><loc>/2013/02/prepaid-and-social-payments-make-a-genuine-win-win/</loc></url>
  <url><loc>/2011/10/slick-transit/</loc></url>
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  <url><loc>/2011/07/best-pay/</loc></url>
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  <url><loc>/2011/04/reputation-does-not-depend-on-real-identity/</loc></url>
  <url><loc>/2011/06/google-are-legitimising-nfc-mobile-operators-should-be-playing-with-it/</loc></url>
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  <url><loc>/2011/01/the-technology-of-money/</loc></url>
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  <url><loc>/2013/03/did-anyone-notice-there-was-just-an-nfc-earthquake/</loc></url>
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  <url><loc>/2014/09/yes-we-kanz/</loc></url>
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  <url><loc>/2014/09/no-need-for-oyster-in-london-any-more/</loc></url>
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  <url><loc>/2014/09/ok-ok-so-the-new-iphone-will-have-nfc/</loc></url>
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  <url><loc>/2014/09/well-be-giving-barclays-the-finger-next-year/</loc></url>
  <url><loc>/2014/09/a-new-approach-at-next-bank-europe/</loc></url>
  <url><loc>/2014/09/no-need-to-guess-the-fintech-future/</loc></url>
  <url><loc>/category/digital-money-forum/page/6/</loc></url>
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  <url><loc>/2014/10/bitcoin-currency-and-competition/</loc></url>
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  <url><loc>/2011/03/party-like-its-2019/</loc></url>
  <url><loc>/2011/10/moneys-mid-life-crisis/</loc></url>
  <url><loc>/tag/point-of-sale/</loc></url>
  <url><loc>/2007/08/contactlessness/</loc></url>
  <url><loc>/2010/05/narrow-interests/</loc></url>
  <url><loc>/2010/05/i-declare/</loc></url>
  <url><loc>/2007/08/its-easy-runnin/</loc></url>
  <url><loc>/2011/04/why-dont-all-retailers-install-an-atm-and-ban-cards/</loc></url>
  <url><loc>/tag/mobile-m-payment-m-banking/</loc></url>
  <url><loc>/2007/08/the-forum-is-op/</loc></url>
  <url><loc>/2007/08/a-bear-market-f/</loc></url>
  <url><loc>/2007/08/the-doors/</loc></url>
  <url><loc>/2010/05/i-guess-you-didnt-read-tomorrows-papers-the-elf-gets-fireballed-this-afternoon/</loc></url>
  <url><loc>/tag/atms-and-kiosks/</loc></url>
  <url><loc>/2011/04/including-everyone/</loc></url>
  <url><loc>/2011/04/innovation-is-technology-enabled/</loc></url>
  <url><loc>/2007/08/bordering-on-cr/</loc></url>
  <url><loc>/2007/08/contactless-upd/</loc></url>
  <url><loc>/2007/08/dave-birch-on-d/</loc></url>
  <url><loc>/2011/04/the-roll-out-of-contactless-payments-is-undermined-by-some-of-the-implement/</loc></url>
  <url><loc>/2010/05/i-had-that-dave-birch-in-the-back-of-my-cab-once/</loc></url>
  <url><loc>/2011/04/mexican-standoff/</loc></url>
  <url><loc>/2010/05/an-eternal-discussion/</loc></url>
  <url><loc>/2010/05/theatrical/</loc></url>
  <url><loc>/2012/07/scrappy-dont/</loc></url>
  <url><loc>/tag/electronic-wallets/</loc></url>
  <url><loc>/2006/12/payment_service/</loc></url>
  <url><loc>/2013/11/dont-panic-whatever-the-papers-say/</loc></url>
  <url><loc>/tag/digital-wallets/</loc></url>
  <url><loc>/2006/12/driving_forward/</loc></url>
  <url><loc>/2012/07/mods-and-off-their-rockers/</loc></url>
  <url><loc>/2010/05/dont-call-us/</loc></url>
  <url><loc>/2011/04/mobile-payments-are-an-important-tool-for-financial-inclusion/</loc></url>
  <url><loc>/2006/12/points_mean_pri/</loc></url>
  <url><loc>/tag/somalia/</loc></url>
  <url><loc>/2008/08/zoom-out/</loc></url>
  <url><loc>/2013/07/even-if-we-could-police-some-kinds-of-spending-we-shouldnt/</loc></url>
  <url><loc>/2006/06/tfl_emoney/</loc></url>
  <url><loc>/2009/01/direct-to-debit/</loc></url>
  <url><loc>/2009/01/fairy-tales/</loc></url>
  <url><loc>/2009/01/no-digital-identity-no-digital-britain/</loc></url>
  <url><loc>/2006/06/facing_up_to_re/</loc></url>
  <url><loc>/2008/08/golden-moments-2/</loc></url>
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  <url><loc>/2008/08/charlie-edwards/</loc></url>
  <url><loc>/2009/01/it-could-never-happen-here/</loc></url>
  <url><loc>/2006/06/what_keeps_visa/</loc></url>
  <url><loc>/tag/barclays/</loc></url>
  <url><loc>/2006/12/dj_dave_and_mc_/</loc></url>
  <url><loc>/2012/07/you-dont-know-jack/</loc></url>
  <url><loc>/2006/12/the_queen_would/</loc></url>
  <url><loc>/tag/speed/</loc></url>
  <url><loc>/2006/12/two_fingers_to_/</loc></url>
  <url><loc>/2013/09/the-id-of-sisyphus-at-the-country-club-of-palo-alto/</loc></url>
  <url><loc>/tag/target-breach/</loc></url>
  <url><loc>/tag/remittances/</loc></url>
  <url><loc>/2006/12/basic_sepa_stra/</loc></url>
  <url><loc>/2012/07/you-dont-have-to-be-psychic-but-it-helps/</loc></url>
  <url><loc>/2006/12/richard_mould_b/</loc></url>
  <url><loc>/2013/09/cloudy-chance-of-rain/</loc></url>
  <url><loc>/2006/12/swings_and_roun/</loc></url>
  <url><loc>/2006/12/retailer_purses/</loc></url>
  <url><loc>/2012/07/i-share-barclays-vision-cash-is-tedious/</loc></url>
  <url><loc>/2009/09/where-is-the-next-nfc-breakthrough-2/</loc></url>
  <url><loc>/2009/09/4d-secure/</loc></url>
  <url><loc>/tag/federal-reserve/</loc></url>
  <url><loc>/tag/digital-money-electronic-money-mobile-payments/</loc></url>
  <url><loc>/2009/09/extracting-the-p/</loc></url>
  <url><loc>/2008/08/risk-analysis-a/</loc></url>
  <url><loc>/tag/digital-identity-authentication-identification-biometric-voice/</loc></url>
  <url><loc>/tag/identity-privacy-social-public-attitudes/</loc></url>
  <url><loc>/2009/09/who-says/</loc></url>
  <url><loc>/2011/07/reflecting-on-nstic/</loc></url>
  <url><loc>/2009/09/drifting-eastwards/</loc></url>
  <url><loc>/tag/digital-money-electronic-money-technology/</loc></url>
  <url><loc>/tag/card-fraud/</loc></url>
  <url><loc>/tag/patents/</loc></url>
  <url><loc>/2006/06/minor_oops/</loc></url>
  <url><loc>/2010/11/stux-on-you/</loc></url>
  <url><loc>/2009/01/professor-lawrence-h-white-to-kick-off-the-2009-digital-money-forum/</loc></url>
  <url><loc>/tag/satellite/</loc></url>
  <url><loc>/2008/08/voicing-my-opin/</loc></url>
  <url><loc>/2006/06/royal_honour_fo/</loc></url>
  <url><loc>/tag/gdp/</loc></url>
  <url><loc>/2009/01/pieces-of-eight-bits-to-the-byte/</loc></url>
  <url><loc>/2006/06/ruby_thursday/</loc></url>
  <url><loc>/2009/09/innovation-that-matters-for-the-majority/</loc></url>
  <url><loc>/tag/economy/</loc></url>
  <url><loc>/tag/media/</loc></url>
  <url><loc>/2008/08/elf-regulation/</loc></url>
  <url><loc>/2008/08/more-data-hilar/</loc></url>
  <url><loc>/2009/09/the-way-to-a-mans-heart/</loc></url>
  <url><loc>/2009/09/the-ten-minute-version/</loc></url>
  <url><loc>/2008/08/why-now/</loc></url>
  <url><loc>/tag/rdc/</loc></url>
  <url><loc>/2006/06/home_biometric_/</loc></url>
  <url><loc>/tag/consulation/</loc></url>
  <url><loc>/2008/08/currency-conver/</loc></url>
  <url><loc>/2006/06/micropayments/</loc></url>
  <url><loc>/2009/01/you-cant-get-away-from-interchange/</loc></url>
  <url><loc>/2009/01/helping-out-bankers/</loc></url>
  <url><loc>/2009/09/what-identity-is-important/</loc></url>
  <url><loc>/2009/09/contactless-pass-and-fail/</loc></url>
  <url><loc>/tag/faster-payments/</loc></url>
  <url><loc>/2007/07/identity-theft/</loc></url>
  <url><loc>/2010/11/innovate-and-innovation/</loc></url>
  <url><loc>/2007/07/coin-concerns/</loc></url>
  <url><loc>/2010/11/masters-key/</loc></url>
  <url><loc>/2007/07/privacy-seminar/</loc></url>
  <url><loc>/2007/07/literati/</loc></url>
  <url><loc>/2010/11/russian-regulation/</loc></url>
  <url><loc>/2010/11/one-of-these-days-this-sort-of-thing-will-get-me-into-trouble/</loc></url>
  <url><loc>/tag/sepa-and-psd/</loc></url>
  <url><loc>/2010/11/china-syndrome/</loc></url>
  <url><loc>/2007/07/cost-dynamics-a/</loc></url>
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  <url><loc>/2007/09/read-all-abaht/</loc></url>
  <url><loc>/2012/09/these-are-a-few-of-my-favourite-things/</loc></url>
  <url><loc>/2010/03/microplanning-for-id/</loc></url>
  <url><loc>/2012/09/a-calibrated-approach-to-mobile-payments/</loc></url>
  <url><loc>/2011/02/not-magic-bullets-but-bullets-nonetheless/</loc></url>
  <url><loc>/2010/03/bank-account-antics/</loc></url>
  <url><loc>/2010/03/more-than-a-blip/</loc></url>
  <url><loc>/2011/02/free-parking/</loc></url>
  <url><loc>/2007/09/sva-cviqve-pers/</loc></url>
  <url><loc>/2012/01/wonder-if-this-whole-mobile-thing-will-catch-on-or-not/</loc></url>
  <url><loc>/2011/02/we-already-have-the-cheque-replacement-technology/</loc></url>
  <url><loc>/2006/08/a_sortofmathema_1/</loc></url>
  <url><loc>/2012/01/the-role-of-mobile-operators-in-mobile-money-future/</loc></url>
  <url><loc>/2012/09/its-simple-this-money-laundering-stuff/</loc></url>
  <url><loc>/2007/07/an-open-source/</loc></url>
  <url><loc>/2007/07/qsr-1/</loc></url>
  <url><loc>/2010/11/form-and-function/</loc></url>
  <url><loc>/2007/07/department-of-t/</loc></url>
  <url><loc>/2010/11/its-a-card-jim-but-not-as-we-know-it/</loc></url>
  <url><loc>/tag/smart-cards/</loc></url>
  <url><loc>/2010/11/moving-transactions-online/</loc></url>
  <url><loc>/2007/09/more-on-the-cas/</loc></url>
  <url><loc>/2007/09/atm-access/</loc></url>
  <url><loc>/2008/12/defending-cash/</loc></url>
  <url><loc>/2012/01/remaking-wallets/</loc></url>
  <url><loc>/2006/08/blatant_plug_fo/</loc></url>
  <url><loc>/2006/08/the_chat_room_p_1/</loc></url>
  <url><loc>/tag/rfid/</loc></url>
  <url><loc>/2011/02/the-card-fraud-situation-is-actually-improving/</loc></url>
  <url><loc>/tag/digital-money-electronic-money-e-payment-loyalty/</loc></url>
  <url><loc>/2007/09/more-on-banks-a/</loc></url>
  <url><loc>/tag/nfc-mobile-payments-contactless-wireless/</loc></url>
  <url><loc>/2006/08/insurers_study_/</loc></url>
  <url><loc>/2008/12/contactless-christmas/</loc></url>
  <url><loc>/2010/03/complacent-or-short-sighted/</loc></url>
  <url><loc>/2006/08/nfc_it_is_cool/</loc></url>
  <url><loc>/2010/03/new-zealots/</loc></url>
  <url><loc>/2011/02/mobile-payment-and-mobile-banking-are-different-and-complementary/</loc></url>
  <url><loc>/2006/08/coinoperated_la/</loc></url>
  <url><loc>/2006/08/fantasy_panel/</loc></url>
  <url><loc>/2010/03/information-rules-ok/</loc></url>
  <url><loc>/2008/12/back-to-brussels/</loc></url>
  <url><loc>/2012/01/say-aaarrggh/</loc></url>
  <url><loc>/tag/pki/</loc></url>
  <url><loc>/2012/09/control-centre/</loc></url>
  <url><loc>/2011/02/parking-is-a-great-test-case-for-cash-replacement/</loc></url>
  <url><loc>/2008/12/commercial-activities/</loc></url>
  <url><loc>/tag/financial-services/</loc></url>
  <url><loc>/2012/01/i-can-see-clearly-now/</loc></url>
  <url><loc>/2010/03/banks-and-operators-announce-peace-settlement-in-mobile-payments/</loc></url>
  <url><loc>/tag/id-cards/</loc></url>
  <url><loc>/2007/09/its-in-the-bank/</loc></url>
  <url><loc>/2008/12/movers-and-shakers/</loc></url>
  <url><loc>/2011/02/chinese-checkers/</loc></url>
  <url><loc>/2006/08/barclays_to_tig/</loc></url>
  <url><loc>/2007/09/the-p-word/</loc></url>
  <url><loc>/2011/04/tough-choices/</loc></url>
  <url><loc>/tag/payments-mobile-microfinance/</loc></url>
  <url><loc>/2008/02/is-the-use-of-c/</loc></url>
  <url><loc>/2007/01/id_fraud_is_now/</loc></url>
  <url><loc>/tag/card-security-fraud/</loc></url>
  <url><loc>/2014/01/mobile-payments-back-future/</loc></url>
  <url><loc>/2009/10/what-doesnt-add-up/</loc></url>
  <url><loc>/2013/08/monday-museum-chatroom-paradox/</loc></url>
  <url><loc>/2009/10/the-swedish-experiment/</loc></url>
  <url><loc>/2013/08/monday-museum-tokens-mean-credentials-mean-reputation/</loc></url>
  <url><loc>/2013/08/theres-more-to-fraud-than-lost-money/</loc></url>
  <url><loc>/2006/08/that_whole_trus/</loc></url>
  <url><loc>/tag/identity-management-mobile-developing-countries/</loc></url>
  <url><loc>/2007/01/party_like_its_-2/</loc></url>
  <url><loc>/2009/07/why-isnt-prepaid-as-exciting-as-it-should-be/</loc></url>
  <url><loc>/2008/06/laundry-bills/</loc></url>
  <url><loc>/2014/03/bitcoin-exchange-failures-dont-mean-anything-in-the-long-run/</loc></url>
  <url><loc>/2009/10/the-dns-of-the-industrial-bourgeoisie/</loc></url>
  <url><loc>/2014/03/let-the-coins-go/</loc></url>
  <url><loc>/2008/12/its-always-always-the-same/</loc></url>
  <url><loc>/2007/09/cardspace-and-o/</loc></url>
  <url><loc>/2012/01/bore-reporter/</loc></url>
  <url><loc>/2012/01/why-bother/</loc></url>
  <url><loc>/2008/12/vote-no-to-yesterdays-technology/</loc></url>
  <url><loc>/2007/09/geneva-conventi/</loc></url>
  <url><loc>/2011/02/the-fraud-trajectory/</loc></url>
  <url><loc>/2012/01/reviews-and-reviewers/</loc></url>
  <url><loc>/tag/barter/</loc></url>
  <url><loc>/2008/02/what-is-differe/</loc></url>
  <url><loc>/2013/04/browser-pays/</loc></url>
  <url><loc>/2008/06/text-usury/</loc></url>
  <url><loc>/tag/digital-money-electronic-payments-fraud-crime-research/</loc></url>
  <url><loc>/2009/07/bring-it-on/</loc></url>
  <url><loc>/2007/01/paypals_pal/</loc></url>
  <url><loc>/tag/crime-money-laundering/</loc></url>
  <url><loc>/2011/03/two-faced-at-the-least/</loc></url>
  <url><loc>/2013/12/card-crime-and-nostalgia/</loc></url>
  <url><loc>/2007/10/blookseller/</loc></url>
  <url><loc>/2007/10/come-and-join-i/</loc></url>
  <url><loc>/tag/future-cash/</loc></url>
  <url><loc>/2013/12/direct-debits-are-a-dated-hack/</loc></url>
  <url><loc>/2014/04/biometrics-are-the-answer-if-you-ask-the-right-question/</loc></url>
  <url><loc>/2007/10/identity-manage/</loc></url>
  <url><loc>/2012/12/the-slower-payment-service-sps-is-still-going-strong/</loc></url>
  <url><loc>/2013/11/the-internet-of-things-needs-some-thinking-through/</loc></url>
  <url><loc>/2013/08/overspecialize-and-you-breed-in-weakness/</loc></url>
  <url><loc>/2011/12/a-bit-of-a-show/</loc></url>
  <url><loc>/tag/payments-mobile-loans-credit/</loc></url>
  <url><loc>/2013/08/monday-museum-newspapers-and-estimates/</loc></url>
  <url><loc>/2007/01/immortal_custom/</loc></url>
  <url><loc>/2008/12/contactless-front-line/</loc></url>
  <url><loc>/2012/12/the-bank-of-me-and-you/</loc></url>
  <url><loc>/2009/07/united-we-fall/</loc></url>
  <url><loc>/2011/12/electronic-legal-tender/</loc></url>
  <url><loc>/2013/12/bill-maurer-institute-money-technology-financial-inclusion-uc-irvine/</loc></url>
  <url><loc>/2006/07/wheres_the_secu/</loc></url>
  <url><loc>/2008/01/federation-is-a/</loc></url>
  <url><loc>/2011/05/bar-none/</loc></url>
  <url><loc>/2010/04/practical-identity/</loc></url>
  <url><loc>/2010/03/japanese-notes/</loc></url>
  <url><loc>/2006/08/who_cares_about/</loc></url>
  <url><loc>/2011/11/pseudos-corner/</loc></url>
  <url><loc>/2010/10/criminal-inconvenience/</loc></url>
  <url><loc>/2011/02/holding-court/</loc></url>
  <url><loc>/tag/federation/</loc></url>
  <url><loc>/2008/12/and-theres-always-the-free-superpower-of-course/</loc></url>
  <url><loc>/2011/11/theres-a-mobile-wallet-revolution-coming/</loc></url>
  <url><loc>/2008/09/remember-off-li/</loc></url>
  <url><loc>/2009/08/cross-bored/</loc></url>
  <url><loc>/2014/03/america-has-two-currencies/</loc></url>
  <url><loc>/2009/07/i-didnt-understand-this-story/</loc></url>
  <url><loc>/2008/12/thatll-do-nicely/</loc></url>
  <url><loc>/2012/01/still-cloudy/</loc></url>
  <url><loc>/2010/08/lets-make-crime-illegal/</loc></url>
  <url><loc>/tag/mobile-payments-direct-debit-2fa/</loc></url>
  <url><loc>/2013/04/i-bet-including-katie-price-in-this-story-about-identity-will-drive-up-the/</loc></url>
  <url><loc>/2009/07/the-balance-on-this-card-is/</loc></url>
  <url><loc>/tag/prepaid-benefits/</loc></url>
  <url><loc>/2008/02/identity-thieve/</loc></url>
  <url><loc>/2011/12/barcampbank5-london-is-go/</loc></url>
  <url><loc>/2012/12/christmas-do/</loc></url>
  <url><loc>/2014/03/bitcoin-regulation-dont-panic/</loc></url>
  <url><loc>/2012/12/christmas-memories/</loc></url>
  <url><loc>/tag/identity-theft/</loc></url>
  <url><loc>/2012/12/electric-fences-and-the-rise-of-the-near-bank/</loc></url>
  <url><loc>/2009/07/window-pain/</loc></url>
  <url><loc>/2014/05/apis-and-app-stores-and-the-future-of-banking/</loc></url>
  <url><loc>/2009/07/doctoring-the-evidence/</loc></url>
  <url><loc>/2008/06/itll-never-catc/</loc></url>
  <url><loc>/tag/digital-identity-wikileaks-trust-reputation/</loc></url>
  <url><loc>/2009/10/the-price-of-everything/</loc></url>
  <url><loc>/2014/03/loyalty-points-are-money/</loc></url>
  <url><loc>/2014/03/contactless-and-one-step-closer-to-cashless/</loc></url>
  <url><loc>/author/dave-petch/</loc></url>
  <url><loc>/2008/02/decoupling-the/</loc></url>
  <url><loc>/2008/06/its-the-future/</loc></url>
  <url><loc>/tag/vending/</loc></url>
  <url><loc>/2007/01/age_vs_identiti/</loc></url>
  <url><loc>/2011/12/national-cybersecurity/</loc></url>
  <url><loc>/2013/08/keeping-it-low/</loc></url>
  <url><loc>/2011/12/not-wallet-wars-but-certainly-skirmishes/</loc></url>
  <url><loc>/2007/10/more-data-point/</loc></url>
  <url><loc>/tag/identity-mobile-privacy-pseudonymity/</loc></url>
  <url><loc>/tag/id-card-vision/</loc></url>
  <url><loc>/2013/08/maybe-its-time-for-son-of-emv/</loc></url>
  <url><loc>/2011/12/m-laundering/</loc></url>
  <url><loc>/2012/12/the-old-lady-of-threadneedle-street-eh/</loc></url>
  <url><loc>/tag/biometrics-uk-visas/</loc></url>
  <url><loc>/2009/10/balancing-security-and-privacy-part-97/</loc></url>
  <url><loc>/2013/12/fraud-milking-system/</loc></url>
  <url><loc>/2008/06/out-of-africa/</loc></url>
  <url><loc>/2009/10/what-a-cunning-stunt/</loc></url>
  <url><loc>/2013/04/consultation-on-a-new-payments-regulator-for-the-uk/</loc></url>
  <url><loc>/2014/04/remittances-need-reasonable-regulations/</loc></url>
  <url><loc>/tag/rewards/</loc></url>
  <url><loc>/2013/04/biometric-tick/</loc></url>
  <url><loc>/2008/06/adriana-lukas-m/</loc></url>
  <url><loc>/2007/01/bullish_on_mobi/</loc></url>
  <url><loc>/2011/12/dining-out/</loc></url>
  <url><loc>/2009/07/hubs-and-spokes/</loc></url>
  <url><loc>/2013/04/bravepurse/</loc></url>
  <url><loc>/2009/07/petrol-and-paranoia/</loc></url>
  <url><loc>/2011/02/theoretically-private/</loc></url>
  <url><loc>/2014/03/why-are-efficient-payments-subsidising-inefficient-ones/</loc></url>
  <url><loc>/2007/10/the-real-stuff/</loc></url>
  <url><loc>/tag/parking/</loc></url>
  <url><loc>/2013/04/forget-the-merchant-indifference-test-and-get-on-with-eliminating-cash/</loc></url>
  <url><loc>/2008/02/dont-panic/</loc></url>
  <url><loc>/2007/10/what-kinds-of-c/</loc></url>
  <url><loc>/tag/identity-vrm-privacy/</loc></url>
  <url><loc>/2011/12/conservative-nein/</loc></url>
  <url><loc>/2007/10/it-was-a-cunnin/</loc></url>
  <url><loc>/2007/01/risk_and_reputa/</loc></url>
  <url><loc>/2013/04/the-business-for-case-for-emv-in-the-usa-yet-again/</loc></url>
  <url><loc>/2008/06/meet-the-people/</loc></url>
  <url><loc>/2011/02/how-smart/</loc></url>
  <url><loc>/2008/02/just-how-much-i/</loc></url>
  <url><loc>/tag/database-security-health-id-card/</loc></url>
  <url><loc>/2008/02/biometrics-forg/</loc></url>
  <url><loc>/2007/01/alternative_to_/</loc></url>
  <url><loc>/2009/10/another-model-that-the-uk-could-try/</loc></url>
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  <url><loc>/2008/09/paul-smee-chief/</loc></url>
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  <url><loc>/2011/11/unexpected-not-to-me/</loc></url>
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  <url><loc>/2013/07/a-european-payments-narrative/</loc></url>
  <url><loc>/2009/03/prime-directive/</loc></url>
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  <url><loc>/2011/06/give-cash-the-heave-ho-me-hearties/</loc></url>
  <url><loc>/2007/12/mike-hendry/</loc></url>
  <url><loc>/tag/stickers/</loc></url>
  <url><loc>/2007/12/seasons-greetin/</loc></url>
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  <url><loc>/2009/03/cards-arent-just-about-payments/</loc></url>
  <url><loc>/2007/05/japanese_money_/</loc></url>
  <url><loc>/2006/04/a_winner/</loc></url>
  <url><loc>/2011/06/confronting-the-issue/</loc></url>
  <url><loc>/2013/10/making-people-want-wallets/</loc></url>
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  <url><loc>/2007/05/now_this_is_wha/</loc></url>
  <url><loc>/2011/06/the-tesco-way/</loc></url>
  <url><loc>/2007/05/they_like_a_cha/</loc></url>
  <url><loc>/2007/12/68-episode-1-mu/</loc></url>
  <url><loc>/2011/06/yet-more-about-nfc-and-business-models-1/</loc></url>
  <url><loc>/2007/12/seasons-greetin-2/</loc></url>
  <url><loc>/2013/10/american-paycho/</loc></url>
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  <url><loc>/2009/03/virtual-washing-machines/</loc></url>
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  <url><loc>/2012/11/planning-for-the-zombie-apocalypse/</loc></url>
  <url><loc>/2012/11/w8-iz-scure/</loc></url>
  <url><loc>/2006/04/mobile_payments/</loc></url>
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  <url><loc>/2006/04/card_not_presen/</loc></url>
  <url><loc>/2012/11/rules-and-exceptions/</loc></url>
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  <url><loc>/2013/10/missing-transactions/</loc></url>
  <url><loc>/2012/11/mobile-identity-on-the-move/</loc></url>
  <url><loc>/tag/sepa/</loc></url>
  <url><loc>/2012/05/generation-gap/</loc></url>
  <url><loc>/2010/07/cleaning-up/</loc></url>
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  <url><loc>/2012/11/out-and-take-your-bin-ladens-with-you/</loc></url>
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  <url><loc>/2012/11/headline-news-chip-and-pin-works/</loc></url>
  <url><loc>/2006/04/mobile_parking/</loc></url>
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  <url><loc>/2006/04/my_virtual_life/</loc></url>
  <url><loc>/2012/11/new-payment-system-proposed-at-bcs/</loc></url>
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  <url><loc>/2012/05/down-wonder/</loc></url>
  <url><loc>/2012/05/time-for-something-different/</loc></url>
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  <url><loc>/2008/05/youre-fingered/</loc></url>
  <url><loc>/2006/10/talk_of_the_tow/</loc></url>
  <url><loc>/tag/financial-capital/</loc></url>
  <url><loc>/tag/virtual-economy-real-money-trades/</loc></url>
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  <url><loc>/2012/11/layered-approach/</loc></url>
  <url><loc>/2006/04/uk_downloading_/</loc></url>
  <url><loc>/2012/11/shades-of-grey/</loc></url>
  <url><loc>/2010/07/linked/</loc></url>
  <url><loc>/2012/05/contactless-rethink/</loc></url>
  <url><loc>/2010/07/deputy-dogs/</loc></url>
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  <url><loc>/2010/07/morals-guvnor/</loc></url>
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  <url><loc>/2008/05/stars-and-strip/</loc></url>
  <url><loc>/2012/05/if-there-are-barriers-to-nfc-payments-who-is-building-them/</loc></url>
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  <url><loc>/2010/07/simple-cases/</loc></url>
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  <url><loc>/2008/05/awards-and-cere/</loc></url>
  <url><loc>/2012/05/this-is-about-politics-not-technology/</loc></url>
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  <url><loc>/2012/05/why-o2-money-is-interesting/</loc></url>
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  <url><loc>/2007/11/live-from-londo/</loc></url>
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  <url><loc>/2007/11/the-tr-scheme/</loc></url>
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  <url><loc>/2007/11/sectioned/</loc></url>
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  <url><loc>/2007/11/future-imperfec/</loc></url>
  <url><loc>/tag/european-regulation/</loc></url>
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  <url><loc>/2008/11/its-criminal/</loc></url>
  <url><loc>/2012/12/you-wait-ages-for-a-contactless-terminal-then-8500-turn-up-at-once/</loc></url>
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  <url><loc>/2006/10/written_parliam/</loc></url>
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  <url><loc>/2008/11/authentication-in-3d/</loc></url>
  <url><loc>/2006/10/microsoft_and_t/</loc></url>
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  <url><loc>/2011/03/still-going-strong-after-14-years/</loc></url>
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  <url><loc>/2009/09/paris-match/</loc></url>
  <url><loc>/2009/04/tv-times/</loc></url>
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  <url><loc>/2013/03/retail-banking-technology-update/</loc></url>
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  <url><loc>/2009/04/technology-and-a-dilemma/</loc></url>
  <url><loc>/2012/02/you-say-tomato-i-say-mobile-instructed-a2a-via-fps/</loc></url>
  <url><loc>/tag/costs-and-interchange/</loc></url>
  <url><loc>/tag/credentials/</loc></url>
  <url><loc>/tag/icosts-and-interchange/</loc></url>
  <url><loc>/2011/01/age-old-problem/</loc></url>
  <url><loc>/2013/03/dont-listen-to-the-public/</loc></url>
  <url><loc>/2009/04/i-can-see-an-article-of-some-sort-anyone-called-david/</loc></url>
  <url><loc>/2009/04/virtual-identities-and-llps/</loc></url>
  <url><loc>/2011/09/tvs-times/</loc></url>
  <url><loc>/2011/09/youve-got-to-pick-a-pocket-or-two-boys/</loc></url>
  <url><loc>/2011/01/how-dya-like-them-apples/</loc></url>
  <url><loc>/tag/mwc/</loc></url>
  <url><loc>/2011/02/finovate-europe/</loc></url>
  <url><loc>/2014/04/crime-correlates-cash/</loc></url>
  <url><loc>/2013/03/whos-calling/</loc></url>
  <url><loc>/2012/08/post-social-banking/</loc></url>
  <url><loc>/tag/contactless-payments-in-the-uk/</loc></url>
  <url><loc>/tag/near-bank/</loc></url>
  <url><loc>/author/jane-adams/</loc></url>
  <url><loc>/tag/pedantry/</loc></url>
  <url><loc>/2011/01/mobile-challenges-to-the-financial-sector/</loc></url>
  <url><loc>/2011/01/mobile-challenges-for-financial-services/</loc></url>
  <url><loc>/2011/03/join-us-at-the-international-payments-summit-on-21st-march-in-london/</loc></url>
  <url><loc>/2011/01/if-you-dont-like-cards-dont-take-them/</loc></url>
  <url><loc>/tag/cash-currency-notes-coins-cards-history-future/</loc></url>
  <url><loc>/2009/10/bear-market/</loc></url>
  <url><loc>/tag/consumer/</loc></url>
  <url><loc>/2009/10/for-all-you-utter-bankers/</loc></url>
  <url><loc>/2010/08/passport-minus/</loc></url>
  <url><loc>/tag/contactless-and-nfc/</loc></url>
  <url><loc>/2011/09/facing-up-to-the-competition/</loc></url>
  <url><loc>/2011/09/time-for-t-commerce/</loc></url>
  <url><loc>/tag/cross-border-money-transfer-history/</loc></url>
  <url><loc>/2006/11/contactless_uk_/</loc></url>
  <url><loc>/2006/11/monomania/</loc></url>
  <url><loc>/2010/08/there-has-to-be-a-reason-for-this/</loc></url>
  <url><loc>/2010/03/talent/</loc></url>
  <url><loc>/2010/01/raising-the-bar/</loc></url>
  <url><loc>/2012/02/greens-under-the-bed/</loc></url>
  <url><loc>/2012/02/electric-identity/</loc></url>
  <url><loc>/2009/04/the-unready/</loc></url>
  <url><loc>/2009/04/risk-and-lack-of-reward/</loc></url>
  <url><loc>/2012/02/the-cheque-is-in-the-text/</loc></url>
  <url><loc>/tag/cash-currency-notes-bill-federal-reserve/</loc></url>
  <url><loc>/2011/01/ageing-problem/</loc></url>
  <url><loc>/2010/08/my-new-mantra/</loc></url>
  <url><loc>/2010/08/another-bric-in-the-wall/</loc></url>
  <url><loc>/2010/08/by-cash-we-mean-cash-and-not-cash/</loc></url>
  <url><loc>/2011/09/roe-on-api/</loc></url>
  <url><loc>/2010/08/prepaid-preconceptions/</loc></url>
  <url><loc>/2011/09/maps-and-road/</loc></url>
  <url><loc>/2011/09/i-love-prepaid-but-not-everyone-does/</loc></url>
  <url><loc>/2011/09/lets-have-some-liability/</loc></url>
  <url><loc>/2010/08/depends-what-you-mean-by/</loc></url>
  <url><loc>/2010/08/fluttering/</loc></url>
  <url><loc>/2014/05/bitcoin-yes-and-no/</loc></url>
  <url><loc>/2010/08/listening-in/</loc></url>
  <url><loc>/2010/08/gates/</loc></url>
  <url><loc>/2014/01/dont-bogart-that-square-my-friend-pass-it-over-to-me/</loc></url>
  <url><loc>/2006/11/youve_been_fing/</loc></url>
  <url><loc>/2006/03/jonathan_attwoo/</loc></url>
  <url><loc>/tag/countermeasures/</loc></url>
  <url><loc>/tag/risk-analysis/</loc></url>
  <url><loc>/2006/11/us_currency_not/</loc></url>
  <url><loc>/2013/08/if-its-not-malware-it-should-be/</loc></url>
  <url><loc>/2006/03/crossborder_mon/</loc></url>
  <url><loc>/2006/03/thats_hardly_th/</loc></url>
  <url><loc>/tag/se/</loc></url>
  <url><loc>/tag/hce/</loc></url>
  <url><loc>/2014/01/paying-in-the-pub-of-the-future/</loc></url>
  <url><loc>/tag/theft/</loc></url>
  <url><loc>/tag/armed-robbery/</loc></url>
  <url><loc>/tag/kids-prepaid-virtual-currency/</loc></url>
  <url><loc>/tag/recognition/</loc></url>
  <url><loc>/tag/contactless-retail-payments/</loc></url>
  <url><loc>/tag/pos/</loc></url>
  <url><loc>/2013/12/threats-risk-attacker-motivation-real-life-example/</loc></url>
  <url><loc>/tag/legal-and-regulatory/</loc></url>
  <url><loc>/2011/01/apple-and-nfc-a-strawman/</loc></url>
  <url><loc>/2014/02/the-cheque-is-in-the-post-office/</loc></url>
  <url><loc>/2006/11/cash_parking_an/</loc></url>
  <url><loc>/2012/04/banking-on-disruption/</loc></url>
  <url><loc>/2012/04/im-authentically-not-real/</loc></url>
  <url><loc>/2012/12/data-sharing-sounds-good-but-it-is-dangerous/</loc></url>
  <url><loc>/tag/real-names/</loc></url>
  <url><loc>/2012/04/currency-and-technology/</loc></url>
  <url><loc>/2010/06/big-deal/</loc></url>
  <url><loc>/2011/07/charging-for-debit-the-durbin-way/</loc></url>
  <url><loc>/2010/06/faces/</loc></url>
  <url><loc>/2014/02/we-can-contribute-to-childhood-e-safety/</loc></url>
  <url><loc>/2010/06/tender-moments/</loc></url>
  <url><loc>/2013/12/so-many-people-miss-the-point-about-bitcoin/</loc></url>
  <url><loc>/tag/hospitality/</loc></url>
  <url><loc>/2014/02/hce-for-mnos/</loc></url>
  <url><loc>/tag/low-value-payments-micropayments/</loc></url>
  <url><loc>/2014/03/ach-infrastructure-needs-replacing-not-patching/</loc></url>
  <url><loc>/tag/gsma/</loc></url>
  <url><loc>/2012/07/friendly-fire/</loc></url>
  <url><loc>/2006/11/enough_with_the/</loc></url>
  <url><loc>/2014/02/barcampbank-london-7-was-unpredictable-and-therefore-great/</loc></url>
  <url><loc>/2014/02/hce-is-launching/</loc></url>
  <url><loc>/2006/03/a_few_highlight/</loc></url>
  <url><loc>/2006/03/carlolav_schieb/</loc></url>
  <url><loc>/2006/03/more_on_phishin/</loc></url>
  <url><loc>/2010/06/nearly-men/</loc></url>
  <url><loc>/2013/01/witness-for-the-prosecution/</loc></url>
  <url><loc>/2013/05/how-do-i-pay-thee-let-me-count-the-ways/</loc></url>
  <url><loc>/2013/05/necessity-is-mother-of-identity/</loc></url>
  <url><loc>/2011/07/the-uk-has-taken-another-step-backwards-by-giving-cheque-clearing-a-repriev/</loc></url>
  <url><loc>/tag/internet/</loc></url>
  <url><loc>/2013/07/tesco-in-the-frontline-war-on-what/</loc></url>
  <url><loc>/2012/04/c50/</loc></url>
  <url><loc>/2013/07/vote-for-change/</loc></url>
  <url><loc>/2012/04/contactless-and-fries/</loc></url>
  <url><loc>/2014/01/what-will-the-new-uk-payments-regulator-change/</loc></url>
  <url><loc>/2013/11/response-to-the-federal-reserve-consultation-on-payment-system-improvement/</loc></url>
  <url><loc>/2011/02/making-credentials-practical/</loc></url>
  <url><loc>/tag/bank-robbery/</loc></url>
  <url><loc>/tag/mpos/</loc></url>
  <url><loc>/2014/02/retailers-could-take-more-advantage-of-contactless/</loc></url>
  <url><loc>/2014/03/digital-money-shouldnt-be-anonymous/</loc></url>
  <url><loc>/tag/alternative-payments/</loc></url>
  <url><loc>/2006/03/richard_mould_b-2/</loc></url>
  <url><loc>/tag/mobile-operators/</loc></url>
  <url><loc>/2006/11/paul_rogers_ven/</loc></url>
  <url><loc>/2006/03/bernard_morvant/</loc></url>
  <url><loc>/tag/ach/</loc></url>
  <url><loc>/tag/small-data/</loc></url>
  <url><loc>/2014/01/special-feature-electronic-voting-electronic-identity-and-electronic-entitlement/</loc></url>
  <url><loc>/tag/post-office/</loc></url>
  <url><loc>/tag/acquiring-and-pos/</loc></url>
  <url><loc>/2006/11/the_national_id/</loc></url>
  <url><loc>/2014/01/target-breach-may-have-consequences-beyond-emv/</loc></url>
  <url><loc>/tag/bbva/</loc></url>
  <url><loc>/tag/tokenisation/</loc></url>
  <url><loc>/2006/03/paul_chapman_te/</loc></url>
  <url><loc>/tag/leisure/</loc></url>
  <url><loc>/2014/02/bitcoin-credit-cards-and-paypal-are-not/</loc></url>
  <url><loc>/tag/hacking/</loc></url>
  <url><loc>/tag/direct-debit/</loc></url>
  <url><loc>/tag/simple/</loc></url>
  <url><loc>/tag/ble/</loc></url>
  <url><loc>/2013/10/cybersecurity-awareness-month-sharing-in-a-digital-world/</loc></url>
  <url><loc>/2006/11/real_or_phish_t/</loc></url>
  <url><loc>/tag/tablets/</loc></url>
  <url><loc>/2010/06/unexpected-reaction/</loc></url>
  <url><loc>/2013/05/the-mobile-money-paradox-if-everyone-wants-it-why-is-it-doing-so-badly/</loc></url>
  <url><loc>/2013/05/digital-currency-for-the-general-public/</loc></url>
  <url><loc>/tag/banking-payments-innovation/</loc></url>
  <url><loc>/2012/04/the-future-im-telling-you-the-future/</loc></url>
  <url><loc>/tag/psd2/</loc></url>
  <url><loc>/2013/05/post-whats-your-e-mail-address-dont-tell-him-pikehomeguard-org-uk/</loc></url>
  <url><loc>/tag/history-and-future/</loc></url>
  <url><loc>/2013/05/taxi-for-cash/</loc></url>
  <url><loc>/2011/07/scientific-approach/</loc></url>
  <url><loc>/2010/06/head-in-the-clouds/</loc></url>
  <url><loc>/2010/06/optimistic-but-why/</loc></url>
  <url><loc>/2010/06/carthago-delenda-est/</loc></url>
  <url><loc>/2014/01/politicians-just-dont-understand-the-internet/</loc></url>
  <url><loc>/2012/04/the-problem-of-change/</loc></url>
  <url><loc>/2011/07/in-the-long-run-its-all-about-identity/</loc></url>
  <url><loc>/2010/06/exclusion-and-the-war-on-lunch/</loc></url>
  <url><loc>/2011/07/and-another-factor-is/</loc></url>
  <url><loc>/2013/05/the-us-surcharging-mess/</loc></url>
  <url><loc>/2013/05/just-popping-out-to-get-some-gold/</loc></url>
  <url><loc>/2012/04/active-and-passive/</loc></url>
  <url><loc>/2010/06/who-benefits-from-a-national-id-scheme/</loc></url>
  <url><loc>/2011/07/ancient-and-modern/</loc></url>
  <url><loc>/2012/10/labels-and-libels/</loc></url>
  <url><loc>/2012/10/what-happens-in-vegas-gets-blogged-in-vegas/</loc></url>
  <url><loc>/2012/10/the-next-infrastructure/</loc></url>
  <url><loc>/tag/identity-reputation/</loc></url>
  <url><loc>/2008/03/eat-up/</loc></url>
  <url><loc>/tag/openid-sso/</loc></url>
  <url><loc>/tag/digital-identity-health-smart-cards/</loc></url>
  <url><loc>/2006/02/phish_and_chips/</loc></url>
  <url><loc>/2009/05/government-interface/</loc></url>
  <url><loc>/2014/04/time-for-the-thistle/</loc></url>
  <url><loc>/2007/04/back_to_biometr/</loc></url>
  <url><loc>/tag/identity-passport-online/</loc></url>
  <url><loc>/tag/cost-of-cash/</loc></url>
  <url><loc>/2006/05/the_cash_menace/</loc></url>
  <url><loc>/tag/digital-money-electronic-money-mobile-payments-e-payment-m-payment-nfc/</loc></url>
  <url><loc>/tag/social-and-community/</loc></url>
  <url><loc>/2009/11/whats-the-alternative/</loc></url>
  <url><loc>/2011/08/a-new-payment-instrument-for-britain/</loc></url>
  <url><loc>/tag/contactless-nfc-mobile-payments/</loc></url>
  <url><loc>/2010/01/theyre-easy-predictions/</loc></url>
  <url><loc>/2012/03/it-isnt-only-me-who-thinks-theres-an-identity-problem/</loc></url>
  <url><loc>/2008/10/impact-of-contactless/</loc></url>
  <url><loc>/tag/e-payment-contactless-retail/</loc></url>
  <url><loc>/tag/identity-card/</loc></url>
  <url><loc>/2009/02/is-there-a-business-in-id-or-not/</loc></url>
  <url><loc>/tag/e-payment-contactless-security/</loc></url>
  <url><loc>/2010/12/reporting-from-behind-enemy-lines/</loc></url>
  <url><loc>/2010/12/in-your-facebook/</loc></url>
  <url><loc>/2008/03/addressing-a-re/</loc></url>
  <url><loc>/2009/02/get-work-by-sms-get-paid-by-m-pesa/</loc></url>
  <url><loc>/2012/10/quick-response/</loc></url>
  <url><loc>/2010/12/the-dutch-retailers-and-the-war-on-cash/</loc></url>
  <url><loc>/2007/03/local_money_for/</loc></url>
  <url><loc>/2006/02/skype_high/</loc></url>
  <url><loc>/tag/apology-explanation-drm/</loc></url>
  <url><loc>/2013/10/already-cash-has-become-the-domain-of-poor-people-and-poor-nations/</loc></url>
  <url><loc>/tag/mobile-payments-p2p-ebay-paypal/</loc></url>
  <url><loc>/2009/02/the-china-syndrome/</loc></url>
  <url><loc>/2013/06/time-to-talk-about-alternative-and-complementary-currencies-again/</loc></url>
  <url><loc>/2008/03/national-identi/</loc></url>
  <url><loc>/2008/03/price-point/</loc></url>
  <url><loc>/2010/12/facebook-and-things/</loc></url>
  <url><loc>/2010/12/what-is-cash-actually-for/</loc></url>
  <url><loc>/2008/03/what-have-we-le/</loc></url>
  <url><loc>/2008/03/the-real-me/</loc></url>
  <url><loc>/tag/identity-authentication-technology-government/</loc></url>
  <url><loc>/2009/02/privacy-invasion-by-design/</loc></url>
  <url><loc>/tag/e-payment-cash/</loc></url>
  <url><loc>/tag/notes-and-coins/</loc></url>
  <url><loc>/2012/10/wallets-and-wedges/</loc></url>
  <url><loc>/2009/02/i-bank-you-bank-we-bank/</loc></url>
  <url><loc>/tag/digital-money-electronic-money-micropayments-contactless/</loc></url>
  <url><loc>/2010/12/some-unexpected-consequences-of-mobile-money/</loc></url>
  <url><loc>/2009/02/payments-without-banks/</loc></url>
  <url><loc>/2010/12/who-needs-cash/</loc></url>
  <url><loc>/2008/03/not-really-an-o/</loc></url>
  <url><loc>/2012/10/bedtime-reading/</loc></url>
  <url><loc>/2013/11/are-the-british-more-open-to-mobile-wallets/</loc></url>
  <url><loc>/2009/02/at-whose-fingerprints/</loc></url>
  <url><loc>/2013/11/what-was-new-in-new-york/</loc></url>
  <url><loc>/2009/02/can-contactless-save-content/</loc></url>
  <url><loc>/2012/10/e-ass-about-face/</loc></url>
  <url><loc>/2010/12/dutch-update/</loc></url>
  <url><loc>/tag/crime-and-fraud/</loc></url>
  <url><loc>/2010/12/where-will-wikileaks-take-us/</loc></url>
  <url><loc>/tag/social-networking/</loc></url>
  <url><loc>/2008/03/talkin-bout-my/</loc></url>
  <url><loc>/2009/02/how-do-these-ideas-make-it-through-to-implementation/</loc></url>
  <url><loc>/2013/11/still-a-touchy-subject-it-seems/</loc></url>
  <url><loc>/2013/11/chat-at-chatham-house/</loc></url>
  <url><loc>/2012/10/hes-no-fraud/</loc></url>
  <url><loc>/2008/03/the-bond-that-f/</loc></url>
  <url><loc>/2010/12/my-old-dutch/</loc></url>
  <url><loc>/2009/05/more-anecdotes/</loc></url>
  <url><loc>/2008/03/yet-another-dum/</loc></url>
  <url><loc>/tag/digital-money-legal-tender/</loc></url>
  <url><loc>/2013/09/the-dawn-of-something-present/</loc></url>
  <url><loc>/2007/04/if_youve_got_no/</loc></url>
  <url><loc>/2007/04/japanese_lesson/</loc></url>
  <url><loc>/2006/05/when_phishers_a/</loc></url>
  <url><loc>/2006/05/now_heres_a_pra/</loc></url>
  <url><loc>/2007/03/where_next_for_/</loc></url>
  <url><loc>/2007/03/unwelcome_visit/</loc></url>
  <url><loc>/2007/04/attacking_2fa/</loc></url>
  <url><loc>/2007/03/really_bad_idea/</loc></url>
  <url><loc>/2013/08/a-decash-to-go-please/</loc></url>
  <url><loc>/2009/05/the-50-year-plan/</loc></url>
  <url><loc>/2009/05/what-will-contactless-ubiquity-bring/</loc></url>
  <url><loc>/2013/08/it-will-take-more-than-dutch-courage-to-get-rid-of-cash/</loc></url>
  <url><loc>/2013/07/more-discussion-about-the-use-of-cash/</loc></url>
  <url><loc>/2006/02/phishing_again/</loc></url>
  <url><loc>/2006/05/echoes_of_monde/</loc></url>
  <url><loc>/2006/02/alliance_leices/</loc></url>
  <url><loc>/tag/contactless-mobile-payments-japan/</loc></url>
  <url><loc>/2013/11/once-again-this-time-with-meaning/</loc></url>
  <url><loc>/tag/3dsecure-vbv-securecode-phishing-certificates-authentication/</loc></url>
  <url><loc>/tag/virtual-world-crime-phishing-atm/</loc></url>
  <url><loc>/tag/identity-authentication-mobile-digital-signatures/</loc></url>
  <url><loc>/2012/03/harder-harder/</loc></url>
  <url><loc>/2010/09/medical-matters/</loc></url>
  <url><loc>/2010/09/machine-age/</loc></url>
  <url><loc>/tag/money-transfer/</loc></url>
  <url><loc>/tag/receipt/</loc></url>
  <url><loc>/tag/retailer/</loc></url>
  <url><loc>/2009/05/pounded/</loc></url>
  <url><loc>/tag/payment-cards/</loc></url>
  <url><loc>/2014/04/mcpesa/</loc></url>
  <url><loc>/2006/02/from_me_to_you/</loc></url>
  <url><loc>/2009/05/police-and-thieves/</loc></url>
  <url><loc>/2006/05/virtual_armour_/</loc></url>
  <url><loc>/2006/05/my_generation/</loc></url>
  <url><loc>/2007/03/aargh_is_this_i/</loc></url>
  <url><loc>/2009/05/balancing-act/</loc></url>
  <url><loc>/2007/03/reflections_fro/</loc></url>
  <url><loc>/2007/04/optical_connect/</loc></url>
  <url><loc>/2006/02/big_girls_and_b/</loc></url>
  <url><loc>/2006/05/tamper_resistan/</loc></url>
  <url><loc>/2007/03/id_like_my_stuf/</loc></url>
  <url><loc>/2006/02/hes_from_barcel/</loc></url>
  <url><loc>/tag/digital-money-electronic-payments-transit-transport/</loc></url>
  <url><loc>/2009/11/transports-of-delight/</loc></url>
  <url><loc>/2008/04/in-search-of-th/</loc></url>
  <url><loc>/2011/08/privatisation/</loc></url>
  <url><loc>/2011/08/theatrics/</loc></url>
  <url><loc>/tag/mobile-gsm-3g-m-payment-transactions/</loc></url>
  <url><loc>/2009/05/give-us-the-chance-to-do-better/</loc></url>
  <url><loc>/tag/internet-banking-e-banking-authentication/</loc></url>
  <url><loc>/2007/04/extending_debit/</loc></url>
  <url><loc>/2010/01/hes-losing-touch-surely/</loc></url>
  <url><loc>/2010/01/in-a-bit-of-a-state/</loc></url>
  <url><loc>/2010/09/long-division/</loc></url>
  <url><loc>/2007/04/we_dont_need_no/</loc></url>
  <url><loc>/2006/02/pin_watch/</loc></url>
  <url><loc>/2009/05/thought-experiment-cash-crash/</loc></url>
  <url><loc>/2007/03/if_you_dont_kno/</loc></url>
  <url><loc>/tag/fiat-currency/</loc></url>
  <url><loc>/2006/02/rumour_has_it/</loc></url>
  <url><loc>/2013/11/its-a-white-and-black-issue-ban-the-200-and-500-note-immediately/</loc></url>
  <url><loc>/2006/05/touch_and_go_go/</loc></url>
  <url><loc>/2006/02/mobile_payments-2/</loc></url>
  <url><loc>/2007/03/if_you_dont_kno-2/</loc></url>
  <url><loc>/2009/05/he-was-wrong-but-so-was-i/</loc></url>
  <url><loc>/tag/csfi-virtual-world-regulation-markets/</loc></url>
  <url><loc>/tag/electronic-cash/</loc></url>
  <url><loc>/2007/04/identity_and_go/</loc></url>
  <url><loc>/2007/04/one_to_many/</loc></url>
  <url><loc>/2007/03/antifraud_peopl/</loc></url>
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  <url><loc>/2011/07/lets-not-panic-about-online-identity/feed/</loc></url>
  <url><loc>/2011/09/we-dont-know-whether-we-want-real-names-or-not/feed/</loc></url>
  <url><loc>/2011/05/could-bank-account-numbers-be-portable-like-mobile-numbers/feed/</loc></url>
  <url><loc>/2012/09/who-wants-low-cost-bank-accounts/feed/</loc></url>
  <url><loc>/2012/02/long-and-longer/feed/</loc></url>
  <url><loc>/2011/11/up-a-gum-tree/feed/</loc></url>
  <url><loc>/2011/11/retail-and-the-long-game/feed/</loc></url>
  <url><loc>/2011/09/whats-a-grecian-e-urn/feed/</loc></url>
  <url><loc>/2012/07/press-the-red-button-for-financial-inclusion/</loc></url>
  <url><loc>/category/personal-identity/</loc></url>
  <url><loc>/category/connection-disconnection/</loc></url>
  <url><loc>/category/other-technologies/</loc></url>
  <url><loc>/category/3-2-payment-systems/</loc></url>
  <url><loc>/category/digital-identity-forum/</loc></url>
  <url><loc>/category/payments-banking/</loc></url>
  <url><loc>/category/1-people/</loc></url>
  <url><loc>/category/corporate-campus/</loc></url>
  <url><loc>/category/the-matrix/</loc></url>
  <url><loc>/category/events-notices/</loc></url>
  <url><loc>/category/government-2/</loc></url>
  <url><loc>/2013/02/still-dreaming-of-a-cashless-future/feed/</loc></url>
  <url><loc>/2014/01/politicians-just-dont-understand-the-internet/feed/</loc></url>
  <url><loc>/2014/01/we-must-have-practical-alternatives-for-supermarkets-and-strippers/feed/</loc></url>
  <url><loc>/2014/01/nfc-and-ble-are-friends/feed/</loc></url>
  <url><loc>/2012/01/remaking-wallets/feed/</loc></url>
  <url><loc>/2014/01/will-the-target-breach-boost-emv-in-the-usa/feed/</loc></url>
  <url><loc>/category/1-3-political-legal-and-regulatory/</loc></url>
  <url><loc>/category/travel/</loc></url>
  <url><loc>/category/cash-currency/</loc></url>
  <url><loc>/category/legal-regulatory/</loc></url>
  <url><loc>/category/crime-fraud/</loc></url>
  <url><loc>/category/privacy-and-security/</loc></url>
  <url><loc>/category/identity-management/</loc></url>
  <url><loc>/category/identity-cards/</loc></url>
  <url><loc>/category/crime-justice/</loc></url>
  <url><loc>/category/3-3-cash-replacement/</loc></url>
  <url><loc>/category/mobile-wireless/</loc></url>
  <url><loc>/category/cards/</loc></url>
  <url><loc>/category/2-1-finance-and-banking/</loc></url>
  <url><loc>/category/1-1-identification-and-authentication/</loc></url>
  <url><loc>/category/retail-transport/</loc></url>
  <url><loc>/category/people/identificationauthentication/</loc></url>
  <url><loc>/category/2-networks/2-2-retail-and-transport/</loc></url>
  <url><loc>/category/identification-authentication/</loc></url>
  <url><loc>/category/contactless/</loc></url>
  <url><loc>/category/3-1-history-and-future/</loc></url>
</urlset>
