The Difference Between Bitcoin, Ethereum, Ripple & Litecoin 1

Okay, you may have noticed recently a lot of hype and press coverage around Bitcoin. It has been pretty phenomenal, last weekend even my Mum asked me – “what is this Bitcoin malarkey?” Also, last week that Deutsche Bank released a paper titled: Cryptocurrencies and blockchains – their importance in the future. It’s a good read, and ...

The Difference Between Permissioned and Permissionless Blockchains

I’ve been doing a lot of reading up on blockchain recently, with a view to understanding the various components and the difference between them. In this post i would like to recommend an article: Why we should drop the whole “Bitcoin vs blockchain” discussion. Its a great read for folks wanting to understand more about blockchain, ...

10 MEGA Future Payment Trends by Accenture

Accenture recently completed a payments study of 1,500 consumers in North America which helped devise the following 10 mega Payment Trends that they believe will shape the future of payments. Check out the Accenture Driving the Future of Payments: 10 Mega Trends for full details – following is a quick recap: Payment Trend 1: Gen-Z ...

How Ready are Banks for the PSD2 Regulation by PwC

With just over a month to go till PSD2 (Payments Services Directive) comes into effect, there is a lot of buzz about the upcoming regulation. In this post i summarise what i learnt from the PwC report on bank PSD2 readiness: Waiting until the Eleventh Hour. Even though the PwC study is a couple of months ...

The Top Payments News Stories in November 2017

As we draw the curtains on November 2017, i summarised the months noteworthy payments new stories. The main stories that sprint to mind are SEPA instant payments went live on 21st Nov, Bitcoin hit an all time high and the craziness of Single’s Day in China and Black Friday in the US. Check out the ...

10 SEPA Instant Payments Scheme Benefits by the EPC

The European Payments Council unveiled a pretty cool infographic today highlighting the “Top 10 Benefits of the SEPA Instant Credit Transfer scheme”. Below is the SEPA Instant Payments infographic, but i wanted to quickly summarise the key benefits: Payments completed in less than 10 seconds SEPA Instant Payments available 24-7-365 Maximum value of €15,000, to ...

6 Simple Black Friday Tips Before you Hit Buy

After roaming around looking for some pre-Black Friday deals, i was pretty overwhelmed by the hype and sheer volume of ads and deals bombarding me. Clearly Black Friday is now increasingly a big deal outside of the US. Check out the infographic at the end of this post that highlights the trend and growth of ...

7 Mind-Blowing Banking and Fintech Themes by McKinsey

Couple of weeks ago McKinsey wrote about the rise of nonbanking platform or fintech companies that are wanting to eat the banks lunch. In this post, i summarise the key points from the Mckinsey fintech report. 1. Banking is in a Flat and Uninspiring Performance Rut While the banking industry has on the whole recovered ...

9 Cool Fintech, Security and Tech Graphics from Sibos 2017

Okay, last post reflecting information from Sibos 2017. Here i share some of the graphics that i spotted over the 4 day Toronto conference which capture key cybersecurity, fintech and tech themes. Take a close look at the graphics, there are some pretty interesting messages and let me know what you think in the comments ...

What the Bank of England Thinks About Fintech

Over the weekend i was reading Andrew Hauser’s (Executive Director for Banking, Payments and Financial Resilience) speech in Cambridge regarding the Bank of England’s Fintech Accelerator program. Read the speech for full details, but here is a summary: Technology Has and Is Transforming Financial Services Andrew started off describing how technology has and continues to play ...