Latest opinions that Tim Tyler has shared on Finextra

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Tim Tyler

Product Manager

Misys

Member since

29 Jul 2010

Location

London

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Tim's opinions

Little Fluffy Clouds

I was listening to some music from my youth - Little Fluffy Clouds - The Orb - whilst watching the thunder clouds gather outside of my office. We all know that clouds live in the sky, these amorphous collections of water droplets high above our heads, drifting from location to location, with no intervention from us on the ground. To a great extent...

07 August 2012 /security /regulation Innovation in Financial Services

Man The Pumps?

I have just read an article on the Economist linked to by Finextra: "The bank of SMS" - talking about mobile banking across Africa. Even more interesting than the article were the comments, of which one leapt out at me more than others. It was criticising the investment being made in mobile banking, when there should be so many other pr...

30 April 2012 /payments /retail Innovation in Financial Services

The flaws of common ID?

I too would prefer to have a single common method of identifying myself online: a single common avatar that I use across all sites, with a single common (complex and strong) method of authenticating myself. But as the editor of a UK technology magazine has just discovered (@bazzacollins), illicit access through that common identifier can have wides...

27 April 2012 Innovation in Financial Services

Your webcam as a credit card reader?

So now you are able to use your very own webcam as a credit card reader. I'm not sure that holding your card in front of your webcam is going to be that much easier than typing in around 20 characters: the number of people who have enough problems getting themselves "in shot" properly would lead me to think that this isn't going to be al...

02 August 2011 /payments Innovation in Financial Services

Coupons and Payments - What Do We Have To Lose?

Electronic coupons appear to be all the rage at the moment, with the rush to the front seemingly being led by Groupon. Throwing themselves in to the fight now are Google (with Google Offers) and Facebook (with Facebook Deals) - so there might be an assumption that there is scope for considerable growth in this market. Do banks need to keep a wary

26 April 2011 /retail Innovation in Financial Services

Location, Location, Location

So we have heard in the press that iPhones now record location information in a 'hidden' file. Not that Apple are tracking you, just that this information is logged. Lots of people record their location in addition to this automatic tracking - just think Facebook Places, FourSquare, Google Latitude, Gowalla etc - and I think location will become

21 April 2011 /retail Innovation in Financial Services

What do you use to pay a credit card thief?

As I read this piece about a teenage cybercrime forum founder being jailed, the above thought came in to my head - "what do the credit card thieves use to pay each other online?". Assume they can't use plain old cash, because all of the credit card numbers are being bought and sold through the internet - so there must be another payment ...

04 March 2011 /payments Innovation in Financial Services

Freedom to bank via mobile?

I remember when I first became involved in online banking we had to ensure the site was optimised for very low bandwidth connections. One of my very earliest deployments the bank actually went live with their online banking service connected to the web with nothing more than a 56k modem - so the optimisation had to work both ways. Today, for the

25 February 2011 /retail Innovation in Financial Services

Mobile P2P: I'm more than just a number!

It is true, we are more than just a number. Unfortunately people don't tend to have unique names - for instance I share my name with the developer of a computer game from the 1980's called "Repton". In the physical world, this doesn't really matter - if I need to give you some money I hand it to you in person: I have identified you, we

02 February 2011 /payments Innovation in Financial Services

Should 'social' mean 'shared'?

I've been considering how banks can leverage social media sites recently, and was not that surprised when looking further that there is very little 'bank' presence in these areas. Having just read the article on LloydsTSB and the launch of their "create an avatar" contest, I thought I'd jump straight back over to their Facebook page to se...

06 December 2010 /retail Innovation in Financial Services