Latest opinions that Paul Love has shared on Finextra

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Paul Love

VP Business Development

Konsentus

Member since

23 Jul 2009

Location

Nottingham

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Paul's opinions

EFMA day three. Understanding, agreement and opportunities

The presenters and panellists on day three of EFMA will surely have felt the pressure to deliver after the fantastic first two days of the conference, and I must say that the sessions I attended lived up to expectations. In the first session of the day, Gerard Hartsink, provided a clear overview on the progress of SEPA, the SEPA Cards Framework a...

20 September 2010 /payments

EFMA - innovation and variety on day two

Well the confidence and optimism from Wednesday was still evident at the end of yesterday. Last year people had ideas, this year they are actually doing something about them and actively looking for opportunities, which is such a positive sign for the industry. For me, day two was about innovation, looking at the technology we use and what the f

17 September 2010 /payments /retail

EFMA - looking back at day one

The EFMA conference is a regular event in my calendar, and as I travelled there on Tuesday the omens were looking good. I bought my breakfast at the airport with contactless Visa Paywave and the sun was shining when I arrived in Paris. It promised to be a great week. My mood was somewhat dampened yesterday when I woke up to damp and dismal weather...

16 September 2010 /payments /wholesale

Is the UK turning the corner?

According to the Bank of England there is over £52 billion in cash circulating in the UK economy today. That's enough to buy 232,000 homes all over the country or the Lloyds Banking Group, at today's prices. Yet as many of us know, the use of paper cash and coinage is in decline. According to the payments council, the amount of cash withdrawn from...

13 September 2010 /payments

The trump 'card' in the customer experience

Brett King’s Bank 2.0 comment on customer innovation (Is Customer Experience innovation too hard for UK banks?),raises some important questions about how retail banks see their customers through the lens of a bank branch. King makes a valid point that customers are not necessarily seeking branch services and would benefit from improvements to othe...

22 July 2010 /payments

Merchant fees: clear as mud

The debate and controversy around interchange fees seems to have existed almost as long as card payments themselves, and these latest concerns from the British Retail Consortium (BRC) reflect a global trend to reduce interchange fees which has already been implemented in the US and Australia. However, one point that the article did not mention is ...

18 June 2010 /payments

Customer centricity comes of age

Tesco is marking the occasion of the 15th anniversary of its loyalty Clubcard by offering £120million worth of money off vouchers and an iPhone application that turns the phone into an electronic Clubcard. The Tesco Clubcard has been widely accepted by customers, and Tesco is obviously keen to trumpet that success and reinforce its use among a new...

12 February 2010 /payments

Where next for contactless?

In the last week or so we have seen announcements from PKO Bank Polski and Intesa Sanpaolo about their plans to roll out contactless to their customers, with PKO Polski reporting that 6 million cards will be replaced in the project. However, there do seem to be mixed views in the market about the short to medium term growth of contactless. While so...

28 January 2010 /payments Innovation in Financial Services