Tomorrow's Transactions

Thought leadership from Consult Hyperion

Archives for March 2015

The bank business model for APIs: Identity

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Dgwb blog white border

In Europe the banks are being forced to open up APIs for third-party access to bank accounts. Obviously, this will cost money and entails risks. But from the work that Consult Hyperion has already done for banks in this area, I think I can see at least one way to build a positive business model around 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.

It’s still worth stealing credit cards, but not for much longer

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Dgwb blog white border

Technologically speaking, the credit card as we know it should have vanished long ago. It’s surely not got much longer .

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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.

For the Chancellor’s cheque-list today

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Dgwb blog white border

Why are people who use debit cards, PingIt and other modern contrivances required to pay for people who want to mess around posting pieces of paper to each other? It’s time to either draw a line under cheques or shift to full cost recovery pricing on cheque books.

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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.

ID is in a complete mess

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Dgwb blog white border

Identity infrastructure in the UK is a complete mess. Why don’t we think again about what we actually want identity to do in a digital age and then start designing a system to do it. Maybe some kind of digital passport would be a start.

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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.

Blockchain blockhead

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Dgwb blog white border

I gave a talk on the blockchain to the Vendorcom Cryptocurrency SIG, putting forward a couple of fairly radical ideas about Bitcoin, the blockchain and the future. Or so I thought.

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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.

“Fast” is so last year

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Dgwb blog white border

The era of “faster payments” is over, even before it’s begun in the US. We’re now into the era of “instant payments” and that’s great, because we’re also in an era of “instant commerce”

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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.

Well, yes, withdrawing cash is suspicious

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Dgwb blog white border

If people want cash, it’s pretty reasonable to ask them what it’s for, since we all have to suffer the externalities.

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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.

In-app and on-message in Barcelona

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Dgwb blog white border

Wandering around #MWC15 in Barcelona this year I got involved in a bunch of conversations about Apple Pay, Loop, NFC and so on. But I thought that focus on the physical, in-store interface, could be diverting people away from the central strategic shift to in-app payments.

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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.

Small merchants, big data

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gm_blogthumbYou often hear people at conferences say that it is the data around payments that is the basis for adding value as the payments themselves become commoditised. As Gary Munro from Consult Hyperion points out, this is true for the smallest businesses as well as the biggest.

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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.

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