Nick Collin - Collin Consulting

1. Apple Pay takes off: (Opinion Articles); ... new product. One of the things I like about Apple Pay is that it is firmly based on EMV chip technology. The same principles which make EMV chip cards secure also underpin the security of Apple Pay. ...; Created on 10 April 2015
2. Display Cards and Mobile Wallets: (Opinion Articles); Since I first wrote about Display Cards in this column in June 2011, the technology has been enthusiastically embraced by banks and their customers all over the world.Last year Standard Chartered Bank ...; Created on 14 March 2013
3. EMV Chip in the US – the Case for Offline PIN: (Opinion Articles); ... is patchy or non-existent. Finally, offline PIN is already quite widely established in Europe, so US travellers risk being seriously inconvenienced if their cards support only online PIN. Another ...; Created on 16 February 2013
4. E-Commerce Payments – “Push” versus “Pull”: (Opinion Articles); ... market share versus alternative payment methods such as OBeP, and of course PayPal (which is itself a form of “push” payment). Around 2000, cards accounted for close to 100% of e-commerce payments; over ...; Created on 21 January 2013
5. Mobile Terminals: (Opinion Articles); ... yet allow payment with EMV chip cards. Swedens’s iZettle, sometimes described as “the European Square” does just this. The dongle in this case accepts chip cards and iZettle claims some 75,000 ...; Created on 21 December 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); ... electronic details of several cards (not just Visa or MasterCard) as well as billing and delivery addresses, in order to make “one-click” online purchases via PC or mobile phone, or at the physical POS ...; Created on 18 June 2012
8. ATMIA launches US EMV migration committee: (Opinion Articles); ... around 80% of non-EU fraud against EU payment cards was committed in the US. Not surprisingly, the ATMIA committee felt that the MasterCard deadline was aggressive, if not downright unachievable, ...; Created on 09 May 2012
9. Telephone banking fraud: (Opinion Articles); In the current climate of indiscriminate banker bashing it is nice to see that one small part of the industry – UK payments – seems to be doing a good job. The UK Cards Association has reported that in ...; Created on 17 April 2012
10. EMV Migration in the US – an Update: (Opinion Articles); ... countries to include added-value features such as remote chip authentication, contactless payment, and multi-account or multi-function cards from the outset. Three issues seem to me to be worth ...; Created on 14 February 2012
11. Predictions for 2012 – a contrarian view: (Opinion Articles); ... retailers will continue to question the business case for installing contactless terminals and consumers will increasingly use standard, contact, chip and PIN debit cards for low value payments. By my ...; Created on 08 February 2012
12. E-Purse - time for a comeback: (Opinion Articles); The concept of an “e-purse” or “stored value card” was always a natural for smartcards. A pre-paid payment vehicle which could be issued to anyone, with electronic money in effect stored securely onthe ...; Created on 07 February 2012
13. Interchange fees and the law of unintended consequences: (Opinion Articles); ... and out of this, pays the issuer of the card used for the transaction an “interchange fee”. Through this model, issuing banks are rewarded for issuing payment cards, acquiring banks are rewarded for enabling ...; Created on 06 February 2012
14. Visa kick starts EMV chip migration in the US: (Opinion Articles); ... since US ATMs are an obvious target for fraud. Secondly, Visa still allows signature-based verification with chip cards. This is disappointing since chip-enabled PIN verification is much more secure and ...; Created on 05 February 2012
15. Extending EMV chip beyond banking and payments: (Opinion Articles); ... Excluding SIM cards, more than 1 billion smartcards are shipped each year, but of these, less than half are standard EMV chip payment cards. The rest are proprietary smartcards used in sectors such ...; Created on 04 February 2012
16. Mobile NFC Payments – Reality or Hype?: (Opinion Articles); ... being rolled out to support payments using Visa PayWave and MasterCard PayPass cards. According to the UK Cards Association, just over 50,000 contactless terminals had been installed in the UK at the end ...; Created on 02 February 2012
17. Books and Other Information: (Resources); ... Drucker was the original management theorist and still the best in my view. Not many books have been published specifically about chip technology and smart cards but here's a couple: Multi-application ...; Created on 20 January 2012
18. EMV Chip Workshop: (About); ... Contactless payment • Multi-payment cards • E-purse • ...; Created on 18 January 2012
19. The Post-SEPA Payments Landscape: (White Papers); ... Convergence. The processing of card payments (debit and credit cards) is converging with the processing of non-card, ACH payments (direct debits and direct credits). This is reflected in the emergence ...; Created on 14 January 2012
20. Remote Chip Authentication: (White Papers); ... infrastructure. More recently, RCA has been deployed without the need for a separate reader using display cards, which feature a small display and touch sensitive buttons on the card itself. Why RCA ...; Created on 14 January 2012
21. EMV Chip Added-Value Applications: (White Papers); The global migration to EMV chip cards and terminals is finally complete in several countries, including the UK. There is now an outstanding opportunity for banks to leverage their investment in this ...; Created on 14 January 2012
22. 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
23. Consulting Services: (About); ... to grow their cards business and develop innovative new business propositions (see details). ...; Created on 13 January 2012
24. Display Cards – coming soon to a bank near you: (Opinion Articles); ... payment card has been enhanced by first embossing, then magnetic stripes, then chip technology. “Display Cards” may well be the next significant leap forward in this evolution. A Display Card ...; Created on 11 January 2012
25. RBR EMV Report: (RBR EMV Report); ... edition has been extensively updated and includes new chapters on display cards, mobile payments and the US migration to EMV chip. As such, it should be of particular interest to all US institutions ...; Created on 08 January 2012
26. Chip and PIN Online: (Opinion Articles); ... DIBS for the European Payments Council across eight European countries found that cards were the preferred online payment method for only 42% of respondents overall, but with marked differences between ...; Created on 19 June 2011
27. Full Biography: (Nick Collin); ... Clearing House (PE-ACH); strategic analysis of the post-SEPA cards and non-cards processing landscape on behalf of a global IT services company (Fujitsu) wishing to strengthen its presence in this market. ...; Created on 18 May 2011
28. Short Biography: (Nick Collin); Summary Nick Collin is an experienced, independent management consultant specialising in the innovative use of technology, such as EMV chip cards, by the banking and payments industry. Through his ...; Created on 18 May 2011

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