Mobile Payments – Invention vs Adoption
Posted onCould regulation be the mechanism that finally confirms the full arrival of Mobile Payments and therefore generate the necessary force to bring alignment at point of sale?
Month: August 2015
Blockchain and Disintermediation
Posted onMuch has been written in the last year about Distributed Ledgers, Blockchain and the potential impact that they might have. This article considers the latest advances and the potential “disruptive” impact they might have on existing Financial Market Infrastructures
The Payment Chain & Finality
Posted onAfter my last post (“Using Distributed Ledgers as a Payment System” – August 3rd), one of the replies I received highlighted the differentiation between payments made in Central Bank Money and those in Commercial Bank Money. In my response to that point, I highlighted that Payments between Direct Participants in a given Payment System will […]
Using Distributed Ledgers as a Payment System
Posted onIn my last year as CEO of CHAPS (the UK’s High Value Payment System), I became increasingly interested in the opportunities that Distributed Ledgers could create; not in the crypto-currency world but in the existing world of “real” payments. At present in the UK, payments operate on separate ledger mechanisms which echo the past in […]