6 Results from 2015
Anthony Pickup Consultant at Capgemini Invent
Whilst visiting a friend in Leigh on Sea I saw a sign that showed cash is still king. A ‘10% discount for cash sales above £3’ was offered at a pharmacy. This was interesting because we have been seeing reports that cards are the most popular form of payment. What this picture shows is that cash is still an important method of payment for retail...
18 May 2015 /payments /regulation
With the launch of the Apple Watch on the 24th April and its support for Apple Pay, one question is; “Will customers prefer the Apple Watch over the iPhone 6 for in-store Apple Pay purchasing?” A survey of iPhone 6 consumers in the US indicates that Apple Pay is not an instinctive action[1] for in-store payments. The survey shows consumers are try...
06 May 2015
Following the publication of these functional requirements[1] and the rapidly changing technology available there is a risk the document is out of date before it is agreed The document as one may expect it is very focused on EMV technology that is based in the 1990’s. This EMV technology was updated with the addition of contactless technology in ...
20 April 2015 /regulation
In the 1960’s the user name and password system for accessing computer systems was first deployed. In mid 1970’s the ATM card and PIN was first deployed and this evolved into the now ubiquitous ATM card and Online PIN in the Eighties. Until this time PIN’s were a mixture of Online and Offline but as networks expanded and more sharing of networks h...
27 March 2015 /security
Recently on the BBC consumers affairs program highlighted complaints being raised by small UK retailers of the costs from transactions where card details are reported lost or stolen after the transaction. These customer not present transactions are authorised when the transaction is made but are later recalled by a process is known as a 'Charge B...
13 February 2015 /payments
I was discussing the future of UK bank accounts with Simon Deane-Johns from Keystone Law and he pointed me to a response from the Finance Innovation Lab to Competition and Markets Authority (CMA). http://www.thefinancelab.org/finance-innovation-lab-leads-alternative-finance-coalition-call-competition-authorities-drive-greater-diversity-market/ http...
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