- Apr 18, 2020
- 3 min
The Open Banking Virtuous Cycle
In my recent blog article I suggested that open banking applications display the characteristics of platforms such as Uber; they...
- Apr 13, 2020
- 9 min
If Open Banking was an Uber…
Introduction Open Banking is the disruptive concept within financial services triggered by regulatory initiatives such as PSD2 in the EU...
- Sep 7, 2018
- 7 min
Multi-Party Open Banking Platform: An Enabler for Innovation Financial Services
Recent regulatory drivers such as the CMA Order and PSD2 and have provided the trigger for the opening up of banking services to third parti
- Sep 5, 2018
- 6 min
eIDAS does not work, especially for the UK, and it’s time to recognise it
We have discussed how there are three layers to open banking / open everything: The compliance layer; The walled garden / gated community...
- Aug 24, 2018
- 10 min
Is payments initiation under PSD2 going awry? And what can be done about it?
PSD2 and the interchange fee regulation (IFR) were originally conceived as part of a payments agenda to give real competition to card-based
- Aug 23, 2018
- 9 min
Open Banking in a Box …or how I learned to love PSD2 and GDPR
Background The advent of the PSD2 mandates Account Servicing Payment Service Providers (ASPSPs) to provide their services to Third Party...
- Aug 8, 2018
- 8 min
Open Banking is divided into three parts ...
When I am asked about open banking there is normally a curious dichotomy to be observed: On the one hand, the UK open banking initiative,...
- Aug 5, 2018
- 4 min
How payments services providers are evolving to react to PSD2
“It is not the strongest of the species that survives,not the most intelligent that survives. It is the one that is the most adaptable to...