Tomorrow's Transactions

Contact-free public transport (Part 2)

Tomorrow's Transactions

This is the second of three blogs about technologies to support contact-free use of public transport. Public transport operators have been making great efforts to make public transport safe during the pandemic.

Contact-free and App Clips in Apple’s iOS 14

Tomorrow's Transactions

The Use of Contact-free is Accelerating At Consult Hyperion, we have already seen the pandemic accelerate the adoption of contact-free payments in the face to face environment as customers have become wary of catching COVID by touching shared devices, such as self-service terminals and PIN pads.

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Contact-free public transport (Part 1)

Tomorrow's Transactions

This is the first of three blogs about technologies to support contact-free use of public transport. I heard on the radio that, despite ministers encouraging people in England back to work in their offices, most are staying at home.

What does Apple’s purchase of Mobeewave mean for SoftPOS?

Tomorrow's Transactions

Using mobile devices for securing payments has been, and continues to be, a key area of interest for Consult Hyperion and our customers.

5 Things a Data Scientist Can Do to Stay Current

DataRobot together with Snowflake – a leading cloud data platform provider — is helping data scientists stay current with the latest technology and data science best practices so that they can excel in an increasingly AI-driven workplace. Five Things a Data Scientist Can Do to Stay Current offers data scientists guidance for thriving in AI-driven enterprises.

4+4 | Strategic thinking for post-pandemic payments

Tomorrow's Transactions

Early on in the pandemic my colleagues at Consult Hyperion and I did a lot of research to explore how it might impact our customers and our customers’ customers, just as I am sure every other organisation in the payments sector did.

Defining Digital Identity

Tomorrow's Transactions

Our friends at Smartex challenged its readership to define Digital Identity the other day, with a bottle of wine on offer for the best definition. I’m pleased to say that the bottle of wine was won by Consult Hyperion, with a couple of competition entries submitted.

Payment Card issuance errors; leaving the door wide open for fraudsters

Tomorrow's Transactions

As Consult Hyperion, and as many other analysts, predicted, Covid-19 has driven the adoption and use of contact-free technology at the point of service.

DIACC announces launch of the Pan-Canadian Trust Framework

Tomorrow's Transactions

The Digital ID & Authentication Council of Canada (“DIACC”) announced the launch of the Pan-Canadian Trust FrameworkTM (“PCTF”) this week, a set of digital ID and authentication industry standards that will define how digital ID will roll out across Canada.

2020 | Challenging our Resilience

Tomorrow's Transactions

Twenty-Twenty. What could go wrong in such a perfectly numbered year? Sadly, we all know the answer to that: Everything. 2020 has been dominated by the COVID-19 pandemic threatening our way of life, challenging our resourcefulness and resilience, on a global scale not experienced since the World War ended 75 years ago.

The Best Sales Forecasting Models for Weathering Your Goals

Every sales forecasting model has a different strength and predictability method. It’s recommended to test out which one is best for your team. This way, you’ll be able to further enhance – and optimize – your newly-developed pipeline. Your future sales forecast? Sunny skies (and success) are just ahead!

City Currency

Tomorrow's Transactions

The pandemic has revised interest in a topic that has surfaced repeatedly in Tomorrow’s Transactions events over the years, and that is the issue of local and complementary currencies.

Travel Broke and Broken

Tomorrow's Transactions

The ongoing COVID-19 crisis has been ruthlessly exposing fragile business models and weak balance sheets across a whole range of industries but perhaps never more so than in the travel business.

Back to the future – QR codes are coming

Tomorrow's Transactions

Who’d have thought that the humble barcode – reimagined in 3D – would have posed a genuine threat to the global behemoths that are the international card payments schemes? And, of all the times, why now? Well, as always, there’s no single answer.

The tension in facial recognition

Tomorrow's Transactions

The rise of facial recognition tech and the erosion of privacy In the 2002 movie Minority Report, Tom Cruise’s character has his eyes surgically replaced so he can avoid being identified by the all-pervasive retina scanning system that the state uses to track people… and of course, uses to show targeted ads to people.

The Empowered Consumer

When it comes to working with the empowered consumer, AI has the power to help your business thrive by leveraging your own data to better understand your customers. Read our ebook, The Empowered Consumer, to learn more about how AI can help you connect with your customers.

Is your mobile banking app exposed by someone else’s software?

Tomorrow's Transactions

This post was written in collaboration with Neal Michie, Product Manager at Verimatrix Banks are facing massive disruption and change from many directions. The rise of app-only banks has made the need for traditional banks to have compelling app services an imperative. Banks have of course been building mobile apps for several years. If not… Continue reading Is your mobile banking app exposed by someone else’s software? Finance and Banking Mobile apps Privacy and security privacy securit

No Delay to SCA

Tomorrow's Transactions

Since the FCA announced a further 6 month delay in the UK’s deadline for Strong Customer Authentication there’s been a general expectation that the EBA would follow suit and relax the date for the EEA. However, it now appears that won’t happen – the 31 st December 2020 remains the key date and there won’t be any further relaxation in the rules.

Fraudsters target loyalty schemes for easier gains

Tomorrow's Transactions

(more…) (more…). Money Payment systems Payments Privacy and security

Would you use the NHSX app?

Tomorrow's Transactions

(more…) (more…). Identification and Authentication Identity Inclusion People Political, legal and regulatory Privacy and security Public Sector and NGOs

B2B Pocket Playbook: End-to-End Guide to Sales Enablement

Sales enablement is the strategic process of providing sales teams with the content, guidance, and mentorship needed to engage targeted buyers. It’s all about equipping sales professionals with the tools they need to put their best-selling foot forward. And if sales teams want to continuously sell better -- and faster -- their sales enablement process must have a game-winning strategy. It's time for you to start selling smarter - and hitting your sales number - with the best B2B database in the market. Get started today.

Counterintuitive Cryptography

Tomorrow's Transactions

(more…) (more…). Identification and Authentication digital identity digital identity privacy cryptography identity privacy technology consumer

Identity ? Customer Centric Design

Tomorrow's Transactions

The team put on an excellent webinar this Thursday (May 21 st , 2020) in the Tomorrow’s Transactions series. The focus was on Trust over IP, although digital identity and privacy were covered in the round. The panellists were Joni Brennan of the DIACC (Digital ID & Authentication Council of Canada—full disclosure: a valued customer), long-time collaborator Andy Tobin of Evernym and our own Steve Pannifer and Justin Gage.

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Is RCS set to transform Mobile Payments and PSD2 SCA?

Tomorrow's Transactions

(more…) (more…). Money Payments

Lockdown for transit

Tomorrow's Transactions

A couple of weeks ago I was delighted to host one of our weekly COVID-19 webinars. We discussed the impact of the global COVID-19 pandemic on public transport and how our technologies are likely to be used to help. We had two panellists from Consult Hyperion (Neil McEvoy, CEO, and Simon Laker, Principal Consultant from our US office) and the guest panellist was Steve Cassidy from Fuse Mobility, a Scottish start-up providing Mobility as a Service (MaaS) software solutions.

Data Science Fails: Building AI You Can Trust

The new DataRobot whitepaper, Data Science Fails: Building AI You Can Trust, outlines eight important lessons that organizations must understand to follow best data science practices and ensure that AI is being implemented successfully.

Dave New World #IWD2020

Tomorrow's Transactions

(more…) (more…). IWD2020 People


IATA Pay and the unintended consequences of PSD2

Tomorrow's Transactions

(more…) (more…). Banking and Finance Finance and Banking Money Payment systems Payments

Paying for food

Tomorrow's Transactions

(more…) (more…). Mobile Payments Money Payment Cards Payment systems Payments People

The day that digital currency started

Tomorrow's Transactions

We’ve just had an important anniversary. I’m sure you are all thinking of July 4th and, of course, who can forget it! It’s a date that is very important to many people because it is the anniversary of the birth of The Clash, who played their first live gig on 4th July 1976. But for me, there is a much more important and personal anniversary. Here is the front page of the Swindon Evening Advertiser from 4th July 1995. The day I finally made the front page of my home town newspaper.

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Pressure Points: How to Ensure Your B2B Pipeline Passes Inspection

This eBook highlights best practices for developing a pipeline management process that helps sales leaders and their team C.L.O.S.E (you’ll see what we mean in this eBook) more revenue through data-driven prospecting, stage analysis, and subsequent sales enablement.

Raising contactless limits to allow more paying without the PIN

Tomorrow's Transactions

(more…) (more…). Mobile Payments Money Payment Cards Payment systems Payments

Would you use the NHSX app?

Tomorrow's Transactions

I listened with interest to yesterday’s parliamentary committee on the proposed NHSX contact tracing app, which is being trialled on the Isle of Wight from today. You can see the recording here. Much of the discussion concerned the decision to follow a centralised approach, in contrast to several other countries such as Germany, Switzerland and Ireland. Two key concerns were raised: 1. Can a centralised system be privacy respecting?

Leveraging the payment networks for immunity passports

Tomorrow's Transactions

As if lockdown were not bad enough, many of us are now faced with spending the next year with children unable to spend their Gap Year travelling the more exotic parts of the world. The traditional jobs within the entertainment and leisure sectors that could keep them busy, and paid for their travel, are no longer available. The opportunity to spend time with elderly relatives depends on the results of their last COVID-19 test. I recognize that we are a lucky family to have such ‘problems’.

The Machine Stops – Predictions & Reflections on Technology Strategy

Tomorrow's Transactions

Predictions from 1909. This essay is about a work of science-fiction, of which many features have come to pass. I re-read it this week, as it seemed that even more might be, and not necessarily to our advantage, in the world of Covid-19, and I wanted to confirm or deny my memory. In any case, science-fiction is a great background for technology strategising, helping to get beyond limited thinking based on incrementalism.

Intelligent Process Automation: Boosting Bots with AI and Machine Learning

Across all sectors, companies are learning that they can transform their businesses by embracing Intelligent Process Automation, or IPA. With the pairing of AI and RPA, IPA adds a new layer of intelligent decision-making processes to automated RPA tasks. By automating repetitive work, and adding the ability to automate intelligent decision making, intelligent automation frees up your most valuable resources – your employees – to spend more time on higher value and more strategic work. But in order to reap the rewards of Intelligent Process Automation, organizations must first educate themselves and prepare for the adoption of IPA. In our ebook, Intelligent Process Automation: Boosting Bots with AI and Machine Learning.