Apple ID, not Apple Pay, will be the gamechanger

Apple ID, not Apple Pay, will be the gamechanger

We’re all familiar with Apple Pay and Google Pay and how much easier (and more secure) they make online payments, but if Apple or Google really want to replace my wallet, that means that they have to replace my driving licence, my loyalty cards, my rail discount pass,...
A2A Payments – Is Cardmaggedon on the horizon?

A2A Payments – Is Cardmaggedon on the horizon?

With a new spectrum of possibilities opening up in a world where all banks are connected to all retailers and all consumers all of the time, the 1960s four-party party may be over. One specific gatecrasher is account-to-account (A2A) payments. These are payments that...
Factories or supermarkets: post-pandemic banking

Factories or supermarkets: post-pandemic banking

Dave was chatting with Simon Paris, the CEO of Finastra, at the Paris Fintech Forum last week and he made him reflect on the split between the manufacturing and distribution of financial services and the push for BaaS and Dave went on to write a blogpost about it...
Substack: subscribe to receive Dave’s insights

Substack: subscribe to receive Dave’s insights

A couple of times per month, Dave will be publishing articles on Substack highlighting his experiences, insights and thoughts regarding digital identity, digital money and digital diligence. You can look forward to titles such as: Currency & Anonymity, It is the...
Serious KYC…

Serious KYC…

One of Dave’s recent articles on Forbes attracted a lot of attention – “The Case Against the Anti-Money Laundering Rules” Is it possible to digitise KYC and AML? Have a look and let us know your thoughts.