Category · essays

Banking Technology

Open banking, biometrics, outages and the other systems banks run on.

  1. № 1 · 06 Oct
    Regulatory

    Authorised to do what?

    Visa's rules make a cardholder responsible for an agent's purchase as if they initiated it. PSD2 asks whether they consented. A 2024 CJEU case on human proxies suggests what an issuer will have to prove, and the answer runs through the record of what the agent was told.

    5 min read
  2. № 2 · 19 Aug

    Why Generalists Win in Complex Ecosystems

    Enterprises often assume breakthroughs come from the deepest experts. Yet in environments where priorities collide and silos slow progress, it’s generalists who create clarity; connecting disciplines, aligning incentives, and unlocking outcomes specialists alone can’t reach.

    3 min read
  3. № 3 · 21 Feb
    Banking Technology

    When Systems Fail: The Hidden Impact on Financial Inclusion

    The Treasury Committee's investigation into Barclays' January outage reveals a critical but often overlooked relationship: the connection between operational resilience and financial inclusion.

    2 min read
  4. № 4 · 20 Oct
    Banking Technology

    Behavioural Biometrics

    Discusses the challenges faced by European Issuers in their goal to deliver a compelling customer experience while also satisfying the overlapping requirements of the EBA, their local regulators and the card scheme guidance.

    7 min read
  5. № 5 · 24 Aug
    Banking Technology

    Going ‘All In’ with Broadcom

    Returning to Broadcom's Payment Security team reminded me how rare it is to contribute to solutions affecting millions of people daily. I've also transformed my blog infrastructure to match my career journey.

    2 min read
  6. № 6 · 08 Apr
    Banking Technology

    Thriving in the Open Banking Ecosystem

    At the recent Open Banking Excellence event, I heard that the average bank offers around 300 products across their customer base. In

    3 min read
  7. № 7 · 22 Feb
    Banking Technology

    The Future of Financial Advice

    Open banking and AI-driven robo-advisors are reshaping financial advice. Explore how these trends are changing wealth management.

    3 min read