Tomorrow's Transactions

Identity in the Metaverse

Tomorrow's Transactions

I had the privilege to chair a discussion about identity in the metaverse at the Identiverse conference in Denver in June 2022, and had great fun discussing the new landscape for identity with Heather Vescent, Jonathan Howle, Katryna Dow and Gopal Padinjaruveetil.

What Exactly Is A Smart Wallet?

Tomorrow's Transactions

A wallet is a way of organising things. My Apple Wallet, just like my real wallet, doesn’t have any cash in it.

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Apple Finally Enables Payment Card Acceptance on iPhone

Tomorrow's Transactions

Contactless Card Acceptance Solutions to enable Android phones to be used to accept EMV contactless card payments without requiring additional hardware have been around for a while.

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PIN: we need to talk about our relationship

Tomorrow's Transactions

16 years on from PIN day (Valentines Day 2006) how is our relationship with PIN holding up?

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How to Choose the Best Automated Documentation System for Commercial Loans

Not all automated loan doc prep solutions are created equal. That is why we have put together a checklist to help you evaluate potential partners and find the best-automated documentation system for your requirements and needs.

Mondex Memories and CBDC

Tomorrow's Transactions

Deep in the mists of time (that is to say, the early-1990s), I led the team from Consult Hyperion responsible for Mondex specification, design and development.

Biometrics on Cards

Tomorrow's Transactions

Improving Cardholder Authentication On-card fingerprint readers have been in development for a few years now, with a number of products now in market from vendors such as Fingerprint Cards, Zwipe, Idemia and G+D.

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Do I need to upgrade my Fare Collection system to support CBDC?

Tomorrow's Transactions

This week, a press release from China announced they had expanded acceptance of the digital Yuan onto public transport in 12 cities. China has led the way in the development of a Central Bank Digital Currency (CBDC), launching a trial in 2020 which has been expanding steadily.

Brazilians wow the world of Open Banking

Tomorrow's Transactions

At last week’s FDX Virtual Spring Global Summit, I received a glimpse into the huge strides being made by the Financial Data Exchange in the adoption of their data sharing API for the US market. In the context of minimal centralised regulation in the US, progress is driven by industry.

CONSULT HYPERION ANNOUNCES NEW BOARDROOM APPOINTMENTS TO DRIVE NEXT PHASE OF GROWTH

Tomorrow's Transactions

Independent strategic and technical consultancy Consult Hyperion, is pleased to announce the following new appointments: • Steve Pannifer is promoted to Managing Director• Chris Horswell is appointed Chairman of the Board• Howard Hall, Managing Director of CHyp USA Inc.,

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Cyber Security, Change Management and Enterprise Risk Management: Scaling Operations for Growth

Speaker: William Hord, Vice President of Risk Management and Compliance

Join us as we discuss the various tangents of data and the change management process that will help you make better risk-based business decisions to save time and money for your organization.

Request to Pay’s Grand Tour

Tomorrow's Transactions

Earlier this year we were delighted to be part of the Consult Hyperion webinar on Request to Pay. A common thread in post-event conversations that followed was an interest in the parallel developments of the UK and European flavours of Request to Pay and how they might work together.

Safer Internet Day 2022 – It’s all about you!

Tomorrow's Transactions

For Safer Internet Day, I thought I’d bring a Mediterranean theme. As a classicist, I frequently switch between ancient and modern, applying time-tested principles to emerging technologies.

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The changing face of payments.

Tomorrow's Transactions

EMV is at the heart of global payment card processing. As a specification it governs the processing of billions of transactions globally, with the vast majority of those flowing through the international payment schemes.

Point of Sale cyberattacks – is certification enough?

Tomorrow's Transactions

The biggest news in payments security in the last month concerns allegations that point of sale terminals supplied by PAX Technology have been subverted to have the capability of launching cyberattacks.

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How Preparation and Strategy Can Be Used to Fight and Defeat Any Ransomware Attack

Speaker: Karl Camilleri, Cloud Services Product Manager at phoenixNAP

Through a detailed analysis of major attacks and their consequences, Karl Camilleri, Cloud Services Product Manager at phoenixNAP, will discuss the state of ransomware and future predictions, as well as provide best practices for attack prevention and recovery.

Arm’s CHERI-Based Morello Prototype Adopts New Approach to Security

Tomorrow's Transactions

Developing secure software and systems is hard. Even if the most experienced engineers use the best tools and follow best practices, bugs and vulnerabilities can slip through.

QR – codes the comeback (they never really went away)

Tomorrow's Transactions

Our most recent webinar was on the topic of QR Codes.

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.

New Features Greet Riders As They Return to Transit

Tomorrow's Transactions

Everyone seems to think that MaaS (Mobility-as-a-Service) is a brand-new business model, when in fact, Transit Agencies have been providing mobility as a service for years, just without the hyphens.

Digitally Transforming the Engagement Experience for Financial Institutions

Customer experience has become a key differentiator. Learn how to launch your digital transformation by incorporating two customer experience trends into your digital transformation strategy: self-service & personalization.

The Disintermediation of Business Banking

Tomorrow's Transactions

I recently had the pleasure of “attending” the LendIt Fintech – Europe 2020 virtual event.

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.

Will the UK identity framework support decentralised identity?

Tomorrow's Transactions

In our Live 5 for 2021, we said that governance would be a major topic for digital identity this year.

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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Digital Commercial Lending Technology Case Study: Increasing Loan Volume and ROI

In this Commercial Lending Case Study, you'll discover how to leverage digital lending technologies to accelerate growth and leapfrog the competition in the private lending market. A new and innovative approach to mortgage lending — growing lending volume by orders of magnitude.

Contact-free public transport (Part 3)

Tomorrow's Transactions

This is the third of three blogs about technologies to support contact-free use of public transport. The radio again – I hear that the Transport Minister for England had just reported that there have been fewer than 400 fines for people failed to wear face covering on public transport.

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.

Ultra wide band – the 2nd coming?

Tomorrow's Transactions

Every year Consult Hyperion publishes our Live 5. We try to shine a lens on the year ahead and think about what will be impacting our clients.

Be on the smart side of the Great Reset

Tomorrow's Transactions

The human society is now at crossroads – demanding changes in our lifestyle, health choices, economics, and civil liberties.

The Non-QM Market Experiences a Remarkable Comeback: Check Out the Industry Guide

As the commercial lending market evolves, non-QM loans are becoming increasingly popular. Check out this eBook for a detailed look at the benefits of non-QM loans, how to maneuver your way through, and what the future may bring.

Will 2022 start to drive the future of Interoperability and Inclusion?

Tomorrow's Transactions

Our overriding theme of this year’s Live5 is interoperability which will lead to inclusion. Whether this is in payments or transit, identity or as a generalised trend what we’re seeing is a collapsing of the barriers between silos. In some areas this is happening more quickly than in others.

Defending secure applications against Jedi mind tricks

Tomorrow's Transactions

Here at Consult Hyperion, we are often involved in design implementation and testing of secure systems on devices such as smart cards and mobile phones for payments, banking and other applications where security is critical.

Children’s Digital Rights

Tomorrow's Transactions

At Consult Hyperion we frequently discuss the implications of financial crime migrating online. You’re less likely to be mugged at the cashpoint but the online environment is of course open to a wider range of attackers, often well hidden, and operating in diverse geographies.

Fraudsters target loyalty schemes for easier gains

Tomorrow's Transactions

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

A Comprehensive Guide to Construction Loan Issues for the Commercial Loan Market

Understand how to mitigate risk & protect the interest of all parties with this exclusive, must-have guide outlining important issues for commercial construction lending & best practices.