- 1. Breaking up is hard to do – Part 1
- (Opinion Articles)
- ... or if I am, then this is a reflection of serious incompetence in the way my banking relationship is managed. I can say this with some confidence since in addition to my personal account I also have a business ...
- Created on 23 June 2013
- 2. What exactly is Bitcoin and should we care?
- (Opinion Articles)
- ... the music business, it is possible that Bitcoin or another digital currency will seriously undermine the existing bank-based global payments industry. This last point is an important one. Whatever we ...
- Created on 04 May 2013
- 3. Dynamic Currency Conversion
- (Opinion Articles)
- ... be obtained at the interbank rate. I assume broadly similar practices apply worldwide. DCC has the effect of transferring this revenue stream away from the issuer side of the business to the merchant/acquirer ...
- Created on 16 April 2013
- 4. Mobile Terminals
- (Opinion Articles)
- ... first to the merchant-acquirer side of the business than the issuer-cardholder side. Secondly, mobile terminals offer an immediate benefit – enabling small, mobile merchants such as plumbers or market ...
- Created on 21 December 2012
- 5. Bashing Bankers, Part 2 - Barclays
- (Opinion Articles)
- ... background lack the understanding of investment banking to be able to manage the complexities and risk inherent in that side of the business. Senior managers with an investment banking background, conversely, ...
- Created on 20 September 2012
- 6. Mobile NFC RIP?
- (Opinion Articles)
- ... to justify replacing Oyster cards on the London Underground. No business model. Mobile NFC is supposed to be the key to replacing cash for low value payments. But making money out of low value payments ...
- Created on 10 July 2012
- 7. Digital wallets – making sense of the metaphor
- (Opinion Articles)
- ... business models, and as mentioned above, security. But the entry of MasterCard and Visa into this already crowded market suggests the stakes are high and it is going to be fascinating to watch this story ...
- Created on 18 June 2012
- 8. Predictions for 2012 – a contrarian view
- (Opinion Articles)
- ... (see next) and the business case will remain elusive. People will start to realise that making money out of low value payments is difficult enough already without sharing the profits across two or three ...
- Created on 08 February 2012
- 9. Extending EMV chip beyond banking and payments
- (Opinion Articles)
- The global EMV chip infrastructure represents an immensely valuable resource for banks which, with a little imagination, they could use to grow profitable new businesses outside the payments industry. ...
- Created on 04 February 2012
- 10. Mobile NFC Payments – Reality or Hype?
- (Opinion Articles)
- ... on several issues including standards, business models, the strength of the consumer and merchant propositions, and alignment of stakeholders’ interests (see Bulletin, September 2010). Above all, mobile ...
- Created on 02 February 2012
- 11. New Perspectives on Delivering Retail Financial Services
- (Archives)
- ... advances in technology are changing the rules of the game. New entrants to the industry are picking off profitable niche businesses. Regulatory scrutiny and compliance requirements are more onerous ...
- Created on 01 February 2012
- 12. Books and Other Information
- (Resources)
- ... Analysing any new business model in terms of Sviokla's Content-Infrastructure-Context framework almost always yields valuable insights. Unbundling the Corporation. By Hagel and Singer. HBR March-April ...
- Created on 20 January 2012
- 13. EMV Chip Workshop
- (About)
- ... propositions in order to create profitable business growth and gain long term, sustainable business advantage. The course is non-technical, highly interactive and suitable for senior retail banking marketing ...
- Created on 18 January 2012
- 14. E-Trust
- (White Papers)
- ... presents banks with a number of business opportunities. One of the most exciting of these is the opportunity to create a trusted environment for bank customers to trade and communicate securely over ...
- Created on 14 January 2012
- 15. Virtual Value Chains
- (White Papers)
- ... for success. A New Business Model – the Virtual Value Chain The virtual value chain, developed by John Sviokla of the Harvard Business School, is a simple but remarkably useful model for better understanding ...
- Created on 14 January 2012
- 16. EMV Chip Added-Value Applications
- (White Papers)
- ... will be outstanding opportunities for forward thinking institutions to leverage this infrastructure for competitive business advantage. History reveals common patterns in the development of really important ...
- Created on 14 January 2012
- 17. White Papers Introduction
- (White Papers)
- The following "white papers" cover a range of topics on technologies, applications, trends and business ideas of relevance to the banking and payments community. Driven ...
- Created on 14 January 2012
- 18. Training Services
- (About)
- ... of EMV Chip" which is an introduction to the technology for senior non-technical bankers with an emphasis on understanding how banks can leverage the EMV infrastructure to grow their cards business and ...
- Created on 13 January 2012
- 19. Consulting Services
- (About)
- ... applied to: Product, market and delivery strategy Product development and product marketing Marketing communications, internal and external Business case development ...
- Created on 13 January 2012
- 20. About Nick Collin
- (Nick Collin)
- ... of developing and deploying new business propositions based on EMV chip technology. See below for a short biography and a full CV. ...
- Created on 13 January 2012
- 21. RBR EMV Report
- (RBR EMV Report)
- ... which has been published by Retail Banking Research (RBR). The report is a detailed analysis of how to leverage the EMV chip infrastructure with added-value business propositions. This second ...
- Created on 08 January 2012
- 22. Full Biography
- (Nick Collin)
- ... applications; payment systems; e-commerce; on-line banking; e-trust and information security; application of advanced technologies; speech recognition; information systems strategy; business process improvement; ...
- Created on 18 May 2011
- 23. Short Biography
- (Nick Collin)
- ... MasterCard, in Brussels and London Established E-Business Group and launched MasterCard SecureCode based on the 3D Secure protocol Developed and marketed the OneSmart program for EMV chip-based added ...
- Created on 18 May 2011