Theory versus practice
In the theoretical world of the analyst, we think about the perfect world and the perfect solutions. Regrettably, that isn’t the world that most of our clients live in. There are legacy systems,...
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Are Spanish Bankers More Farsighted?
When Citibank announced they were moving from an internally developed core system to Systematics, I wondered why a bank would take all the trouble of doing a core banking migration, but not moving to a...
View ArticleInternational Payments Summit 2013 Recap
I was at International Payments Summit in London last week. I spoke on a panel on real time payments, the insights of which will be the basis of a later blog. But here are the highlights for me: IPS...
View ArticleSibos Recap #1
So that was the week that was Sibos. Dan has already shared some of our thoughts from Sibos, but I wanted to add some additional insights and flavour. I’m going to split the posts in two. The second is...
View ArticleReal-time Payments: Different questions, funnily enough, get different answers.
Bob recently posted some views on the same day ACH – as always, great points, well made. Somehow, in Twittersphere, some of the comments got attributed to me, and from that some of those have got...
View ArticleReal-Time Payments Gathering Pace
A number of you will know that I’ve been working on real-time payments with many clients around the world, and will have seen previews of some of the information in my forthcoming reports. One chart I...
View ArticleUS Bank, Bank of America test real-time p2p payment waters – an instant...
A recent article in American Banker suggests that US Bank is beginning to charge consumers $6.95 for an instant payment. To be fair, this is isn’t far off what many bill pay sites charge for an...
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Faster Than A Speeding Payment: The Race To Real-Time Is Here
It’s been two years since my last reports on real-time payments, and much has happened, not least of which is the perception and understanding the industry has. As a result, the discussions in many...
View ArticleWhat MasterCards’ Acquisition of VocaLink might mean
Today, MasterCard announced the acquisition of VocaLink in the UK. Before I start I should say I have worked for both organisations, and any comments that I make are mine, and nor am I mentioning...
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