Tomorrow's Transactions

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.

So, you want to be a card issuer?

Tomorrow's Transactions

Card issuing seems to be hot right now. Despite the rise of alternatives to card payments, many Fintech’s appear intent on adding payment cards to their product portfolios. And it is not just the “me too” start-up banks.

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On Mondex and CBDCs (again)

Tomorrow's Transactions

Introduction (by Tim Richards) We were delighted to get a lot of good feedback on Neil’s previous blog on Mondex Memories and CBDCs and its relevance to CBDCs and thought it would be interesting to respond to some of the more interesting – and difficult – points raised in a follow-up blog.

How the past (ticketing technology) can still be relevant in the future.

Tomorrow's Transactions

Last week, I attended the excellent Transport Ticketing Digital Summit which focused on advances in fare collection and Mobility as a Service (MaaS).

Payment Optimization & PCI Solutions: Combining Offense and Defense With a Single Provider

Speaker: P. Andrew Sjogren, Sr. Product Marketing Manager at Very Good Security and Matt Doka, Co-Founder and CTO of Fivestars

In this webinar, our esteemed panelists will discuss using Zero Data as the defense and payment optimization as the offense. A startup will have a well-rounded security approach that enables them to get to market sooner, grow their business faster, and minimize costs for both security and compliance.

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.

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.

Digital Identity Wallets are coming

Tomorrow's Transactions

I was delighted to be asked to present a keynote at the FIDO Authenticate Summit and chose to focus on digital identity governance, which is something of a hot topic at the moment.

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.

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.

Going to Market Smarter in the New Economy

In 2021, as companies continue to move more functions online, employees will take a more virtual -- and flexible -- mindset and lifestyle in parallel to the digitization of businesses. To succeed, you must change the way you conceive and build new products as a digital business. Download the report today to discover more!

Pandemic working – reflections from our CEO

Tomorrow's Transactions

We’ve now had well over year of sporadic lockdowns, of varying degrees of severity. I’m loathe to tempt fate, but it does seem that, in the UK, we’re heading towards a low background level of Covid-19, during the summer months at least.

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.

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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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.

The Forrester Wave™: B2B Marketing Data Providers, Q2 2021

In our 24-criterion evaluation of B2B marketing data providers, we identified the 11 most significant vendors — Data Axle, Dun & Bradstreet, Enlyft, Global Database, InsideView, Leadspace, Oracle, SMARTe, Spiceworks Ziff Davis, TechTarget, and ZoomInfo Technologies — and researched, analyzed, and scored them. This report shows how each provider measures up and helps B2B marketing professionals select the right one for their needs.

Uses of digital ID for preventing financial crime

Tomorrow's Transactions

In the new digital economy, digital identity is a key component to ensuring security, privacy, and convenience for people and businesses.

Building SoftPOS – not as easy as you think.

Tomorrow's Transactions

For the third year running, my colleague Gary Munro facilitated a thought-provoking debate around the use of mobile phones and tablets as contactless payment terminals during last week’s virtual Merchant Payments Ecosystem (MPE) conference.

Malware Wolves in Developer Sheep’s Clothing

Tomorrow's Transactions

When consumers install software on their devices, they often perform some sort of risk evaluation, even if they don’t consciously realise it. They might consider who provides the software, whether it is from an app-store, what social media says, and whether they have seen any reviews.

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.

4 AI Hacks to Make Sales Teams More Efficient

Over the last two years, there’s been a 76 percent increase in AI adoption across sales organizations. For sales teams, AI opens up a world of new possibilities, including automating outreach, identifying best-fit buyers, and keeping CRMs flush with fresh data. Read on to learn the four AI hacks sales teams need to improve their performance. Download the eBook today!

How Could Digital Currency Work?

Tomorrow's Transactions

The Bank of England and the UK Treasury have announced a Central Bank Digital Currency (CBDC) Taskforce to coordinate the exploration of a potential British CBDC. But how could a digital Pound actually work? As it happens, this is something that Consult Hyperion knows rather a lot about.

Fraudsters target loyalty schemes for easier gains

Tomorrow's Transactions

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

#IWD2021 – Cybersecurity really is a great place to work

Tomorrow's Transactions

As an example of creative thinking in promoting inclusion, I would like to highlight John Patrick Crichton-Stuart, 3rd Marquess of Bute, a thoroughly modern Victorian, educated by his mother until the age of 12.

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.

How to Overcome the Pain Points of Your CRM

CRM software is a powerful tool when used correctly, yet another obstacle to a sales team’s efficiency when it’s not. Leveraging research and commentary from industry analysts, this eBook explores how your sales team can get back valuable time by overcoming some pain points with your CRM, such as low adoption rates, integrations, and data quality.

Chip and PIN? Remember that?

Tomorrow's Transactions

This weekend marks an anniversary. Although Consult Hyperion’s romance with smart cards had started many years before that, it will be fifteen years on Sunday that chip and PIN went live in the UK. I remember St. Valentine’s Day 2006 as if it was yesterday!

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Internet Safety Day 2021 – are my children safe?

Tomorrow's Transactions

Today marks the 10th anniversary of Safer Internet Day in the UK. Each year Industry, Educators, Regulators, Health & Social Care workers and Parents rally to raise awareness and put into action, plans to tackle findings from significant research on the topic of trust and safety on the internet.

Ruby reflections, 40 years of technology change at work

Tomorrow's Transactions

At this time of year my colleague, Dave Birch looks forward, his annual “Live Five” started as a bit of fun, but over the years has become a thought provoking look at what might impact our industry in the coming year, if you haven’t read it yet, please follow this link.

Contact-Free: the backdrop to Payments, Ticketing & Identity in 2021

Tomorrow's Transactions

It’s that time of year again: where’s it’s traditional to take stock and look to the future.

4 Data-Driven Steps To Drive Successful B2B Demand Generation

Fact: Good data lives at the core of every successful B2B demand generation strategy. Without quality data, it’s nearly impossible to identify and segment your target audience and create messaging that speaks to their values and interests. Whether you’re stepping into a new position or you’re new to demand generation, learning the tricks of the trade can be, well, tricky. In this eBook, you’ll discover how to improve your demand generation program—and your bottom line.

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.

NHS test and trace text messaging scams target vulnerable people

Tomorrow's Transactions

Here at Consult Hyperion we tend to go on about the lack of a joined up thinking around government policy on digital identity and source authentication but mostly it doesn’t really affect us personally. I mean, we get this stuff, we can spot a scam a mile off.

Future Ready Payments Processing

Tomorrow's Transactions

Payment Processing Platforms At Consult Hyperion we spend a lot of our time looking into payments processing platforms for our clients.

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.

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The Modern Customer Success Playbook

The evolution of every high-functioning, effective customer success strategy centers around three C’s: connected experiences, an engaging customer journey, and a culture built on customer-centricity. Satisfaction won’t cut it. Quarterbacking your customers to long-term success and growth is proven to combat churn and transform customer success teams into revenue-drivers. But where do you start? Download the playbook today!