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Blogs
John Bertrand

Greetings from New York City, where you can save money by paying in cash.

Watching a televised rugby game, Leinster playing Northampton, at an Irish pub, The Long Hall, NYC, the bill if paid in cash would be discounted. On $100, savings could have been $3.00. Incentives, ...

12 May 2024
The Payments Business
John Bertrand

Global Instant Payments - the next big thing

Answering the question “what is the next big thing” well it is Global Instant Payments. The importance of this is ‘Elon Musk’s X now has a Money Transmitter License in 25 US States and the goal is a ...

01 May 2024
The future of Payments in Europe
John Bertrand

Future of Payment Review – who will pay?

Future of Payment review published in 2023 on behalf of the UK Government, reflected the complexity of the current environment in the UK for instant payment. The review is clear that the UK needs to m...

26 Apr 2024
Digital Bank Transformation
John Bertrand

Future of Payment Review – six-months on – APP Fraud

Joe Garner’s Future of Payment review published in 2023 on behalf of the UK Government reflected the complexity of the current instant payment UK environment. The situation has allowed the UK’s early ...

18 Apr 2024
Operational Risk Management
John Bertrand

Future of Payment Review: six-months on – Digital Payment Infrastructure

Joe Garner’s Future of Payment review published in 2023 on behalf of the UK Government reflected the complexity of the current instant payment UK environment. The situation has allowed the UK’s early ...

17 Apr 2024
Banking Strategy, Digital and Transformation
John Bertrand

Future of Payment Review UK – six months on

Joe Garner’s Future of Payment review published in 2023 on behalf of the UK Government reflected the complexity of the current instant payment UK environment. The situation has allowed the UK’s early ...

10 Apr 2024
Banking Strategy, Digital and Transformation
John Bertrand

By delaying instant payments, if suspicious, be effective?

At UK first Global Fraud Summit, HM Treasury plans to introduce legislation, only to apply to suspicious Authorised Push Payments executed within the UK in sterling. The proposed statutory instrument ...

15 Mar 2024
Innovation in Financial Services
John Bertrand

EU mandatory regulation is on the money

EU mandatory regulations for instant credit transfers within the Single Euro Payments Area (SEPA) are right on the money. The key requirement is verification of payee. Today this is absent in the UK,...

21 Feb 2024
Banking Strategy, Digital and Transformation
John Bertrand

Will HSBC become the Google of Forex?

Brilliant start to the year with HSBC head of wealth announcing a new Foreign Exchange (Forex) app to take on Wise (1). The app is for existing and new customers wanting to make foreign exchange trans...

05 Jan 2024
Banking Strategy, Digital and Transformation
John Bertrand

Reimbursement of APP Scams: Boost for consumers/SMEs

The Payment Systems Regulator issued Specific Requirement 1 on the Faster Payments Scheme Operator (Pay.UK) to insert APP scam reimbursement into Faster Payments. The timetable as follows: Action Fina...

21 Dec 2023
Banking Strategy, Digital and Transformation
John Bertrand

UK Finance Annual Mortgage Dinner and The New Mortgage Charter

An exhilarating evening was held with the members of the mortgage industry on 12 December with people dressed in black tie. The mood was set by the Director of Mortgages for UK Finance and further ext...

17 Dec 2023
Digital Banking, Mortgages and Savings
John Bertrand

Cyber Wars Going Infinite: Buckle Up

The Michael Lewis book, Going Infinite, The Rise And Fall of A New Tycoon and Erica Stanford’s earlier book Cyber Wars, reflect an accurate but disturbing picture of this unregulated market. At times...

30 Oct 2023
Innovation in Financial Services

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