Join the Community

22,017
Expert opinions
44,203
Total members
434
New members (last 30 days)
171
New opinions (last 30 days)
28,675
Total comments

Transaction Banking

A community for discussing technology trends, views and perspective in global transaction banking

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

UK New Payment System Operator - the wrong direction and we need a new one

The UK’s New Payment System Operator is well adrift of the problems facing UK payment service users (e.g. lack of access to free ATMs, high fees on card payments for merchants, dwindling cash collection services) but it continues to build up its elephantine governance structure, with committees popping up right, left and centre, and sporting impre...

/payments

Breana Patel

Breana Patel CEO | Thought leader in Bank Risk & Regulations at Bonova Advisory | Risk &Regulatory Advisory

The many benefits of Agile PMO

The task of integrating a Project Management Office (PMO) in an agile environment could prove difficult, but if done with thorough research and implementation, it can substantially improve efficiency in project execution and production, lowering costs and reducing risks for the organization. Getting Buy-In In order to do this, there first has to b...

/wholesale

Retired Member

Retired Member 

Light at the end of the loan origination tunnel

When buying products online, ordering a taxi or booking a vacation, the modern consumer expects a simple, streamlined experience and instant satisfaction. I have often questioned why the same service is not available to SMEs (small or medium enterprise firms) when they apply for business finance? Despite the fact these firms play such an important...

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Visa outage in Europe: letter to Charlotte Hogg from the UK's Treasury Select Committee

This letter is now public on the www.parliament.uk website, under /documents/commons-committees/treasury/Correspondence/2017-19/ This file name is visa-charlotte-hogg-040618.pdf Some tough questions there, and some very fine interrogators will be on hand should the written answer not be deemed adequate (and it won't be, whatever it says, because Ms...

/payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

New Payment System Operator appoints two more natural legal persons as Member-Guarantors

I blogged two weeks ago that NPSO had become the operator of BACS and Faster Payments while in the control of just one person, and a natural legal person at that. NPSO has quickly appointed two new Member-Guarantors from amongst its non-executive Board Members - a Ms Ashton who is a "CTO-in-residence" at SAP and a Mr Anderson who is a for...

/payments

Rolf Hauge

Rolf Hauge CEO at Commercial Banking Applications (CBA)

SWIFT gpi: why wait for 2020?

Just over one year on from the launch of the service, SWIFT has announced that more than 160 global banks have adopted its Global Payments Initiative, SWIFT gpi, allowing them to make high-speed, cross-border payments timed in minutes, or even seconds. This all sounds very positive – and while strong momentum is building, a crucial factor in the s...

/payments

Reghunathan Sukumara Pillai

Reghunathan Sukumara Pillai Consultant at Infosys

What needs a relook - Internal processes or workforce in the audit department?

The recent instances of scams in public sector Banks make one admonish the audit processes and practices in many Banks. The number of fraudulent instances are rising and it has become a norm to highlight the deficiency in software systems rather than accepting internal flaws, recheck the internal controls, operational processes, audit, operational...

Rolf Hauge

Rolf Hauge CEO at Commercial Banking Applications (CBA)

Upgrade your banking software like TESLA

There’s a lot about TESLA’s way of doing business I admire; especially when I think about what it could bring to the world of financial technology. I don’t mean a banking system powered by lithium-ion batteries or setting up branches on Mars (at least, not yet anyway), but Tesla’s approach to upgrading users’ software automatically is something th...

/payments

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Predictions for the Payments industry in 2018: the global Remittances business

This is the fourth and final one of our four predictions for the Payments industry in 2018, and it is about the global Remittances business. We all know that this area has been badly hit by “de-risking”, and that the result of that has been the withdrawal by the big clearers in currency centres of correspondent banking services to the banks at the ...

/payments /inclusion

Bob Lyddon

Bob Lyddon Consultant at Lyddon Consulting Services

Predictions for the Payments industry in 2018 - New Entrants

This is the second of our predictions for the Payments industry in 2018, and it is about New Entrants to the payments business. The main focus is on Third-Party Providers and Payment Institutions as ordained under Payment Services Directive. We should also mention eMoney Institutions and – more UK-centric – Challenger Banks. In sum these are the ty...

/payments /startups

Now Hiring