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whereas P27 solves a problem, am not sure what really drives this initiative. Feels like it is another lobby getting its way, quite possible led by the CB lot.

Like some other commentators I am not convinced that those results tie in with the actual reality of idigtal payments. Amazon Pay being the biggest counter example to the finding sof this report.

Good post. I think a simple system requires simple pricing. Any system that accoutns for multiple parties will struggle to be simple.

Interesting post. I would not qualify AI as a risk but an opportunity. I recently had to call HRMC (UK) and they had a very good AI chatbot tool in place. Took me 3 mns top to go through triage without repeating anything twice. Was just spot on. the issue was that the human I needed to speak to follow things up made me repeat it all again. Understanding the technology, its benefits and amending the ops processes accordingly is another challenge

Correct, not really new as FICO announced a SIM Swap solution back in 2013