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Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Cash-back - Retro is chic!

For all of us who have been tom tomming electronic money, digital payments and mobile payments, this report by the British Retail Consortium is a bucket of cold water splashed on our face! See http://www.brc.org.uk/details04.asp?id=1360 This report actually says that cash usage in UK has gone up and going strong! Reticent consumers; burnt by credit...

/payments /retail

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

The attack of the clones!

What is it that's lead to a number of announcements on payment networks in the past week? We had some of the EU countries pledging to implement an card payment network to take on Visa, MasterCard and Amex. China already has a payment scheme running. China's lone inter-bank transfer network—China UnionPay—was founded five years ago and is accepte...

/payments /regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Thought for Food!

Going by the events of the 10 days, it looks like Lady Subprime who has been grabbing all our attention has serious competition. The 'World Food Crisis' threatens to take us back to the basics and make us forget all about CDOs, Ninja loans, mortgage, etc. Many countries like India, China, Philippines, Thailand and most of Asia have taken extreme m...

/regulation /retail

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Moved up the digital tolerance graph!

The FBI (National White Collar Crime Center - Internet Crime Complaint Center) released their latest 'Internet Crime Report' for 2007. See http://www.ic3.gov/media/annualreport/2007_IC3Report.pdf The report actually claims a reduction in the number of Internet crimes reported to the ICCC in 2007 when compared to 2006. Does this mean Internet crime ...

/security /regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Conference on Blogs and social media

Well, Blogs and Social media have made terrific inroads into our lives. This conference promises to be interesting. Check out: http://www.icwsm.org/2008/index.shtml Shows how important these channels are going to be and how much they are likely to influence many business decisions.

/regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Monkeying around!

The below mentioned piece of wisdom arrived in my inbox yesterday. Appears to be one of the many profound pieces of wisdom on the subprime mess. It makes good reading; although can't decipher how to give credit to the originator of this masterpiece. ----------------------------------------------------------------------------- HOW THE CDO MARKET WO...

/regulation /retail

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Future Organisation - V. 2.018

Chartered Management Institute - UK has released an engrossing report on the what the workplace/ organisation will look like in 10 years. You can download the report and 'accessories' from; http://www.managers.org.uk/client_files/user_files/Milburn_21/Management%20Futures%20Report%20Final.pdf The report called 'Management Futures' outlines how ou...

/payments /regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Shadow 'Sar-Box-ing'

What is the most likely event to emanate from all the downslides in the financial market? Yes, the plethora of new laws and regulations. We saw Sarbanes-Oxeley in response to Enron and World Com. We had the Patriot Act after 9/11. So, what do you expect from the subprime crisis - new laws, of course! The first salvo seems to be fired off by the U...

/security /regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Mobile phone - birthright of every world citizen!

In one of my earlier blogs, I laid out the opportunity of mobile numbers being used as 'citizen ID' and enabling access to credit to the huge mass of unbanked citizens of the world. Well, I now go a step further - we need a 'Universal Declaration of Mobile Phone Rights'. I think it is about time the United Nations passed a resolution requiring eve...

/payments /regulation

Sriram Natarajan

Sriram Natarajan Risk Dog at Credit Risk Fraud Cards Professional

Card Fraud - truly globalized

APACS released the latest figures on UK Card fraud - http://www.apacs.org.uk/2007Fraudfiguresrelease.html It really shows how good criminals are in quickly exploiting 'systemic' loopholes. UK spent more than a billion pounds to implement chip and pin. Shows how truly globalized the criminals are! If ChipPin impedes my fraudulent activities in UK; ...

/payments /regulation

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