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What to make of MasterCard’s cashback initiative?
From April 2020, retail merchants will receive a small fee of £0.12p if a customer collects cashback via a MasterCard debit card, so long as they make a purchase at the same time. The company says the initiative will boost the UK’s cash flow, acting as a counterbalance to dwindling ATM and bank branch numbers, while offering a new revenue stream....
Read MoreApplying the brakes to the runaway train of technical debt
In 2008 the hubris of the financial sector that we serve finally caught up with itself. Mountains of consumer debt that had been packaged, re-sold and deferred turned out to be unserviceable and the whole edifice came tumbling down.Now commentators are asking whether any lessons have really been learned as consumer debt in some western economies st...
Read MoreThe Payments Switch - A Complex Fabric of Business and Technology
Payments switch is a complex fabric of functionality and technology, intricately woven to provide a solid platform. With the intent to deliver high throughput & resilience to the ever-changing field of payments services. From a bird’s eye view, it might seem as if payments switch is a generic platform used to transform...
Read MoreFinTech has arrived in Scotland: Investing in skills will make sure it stays
Historically, among the many things Scotland is applauded for, financial services and innovation sit as two of its longest-standing and best-known accomplishments. The recent visit from Ivan McKee MSP, the Minister for Trade, Investment and Innovation, demonstrates the extent to which this assertion is true....
Read MoreThe case for Cloud migration in financial services
Dave Smith, senior product manager, discusses the case for cloud migration in financial services....
Read MoreHow technology is changing Africa’s banking landscape
With 2019 now in full swing, Issa Keshek considers banking innovation and what we can expect in the year ahead....
Read MoreTransform vs upgrade - and what’s the difference?
David Smith offers his take on the transformational process in the payments space, using Renovite's latest whitepaper, "Cloud Native: Transforming 21st Century Payments" as a basis for discussing why cloud-native technology enables both innovation and a sustained competitive advantage....
Read MoreATM Deployers – it’s time for your Independence Day
As the US celebrates its 4th of July Independence Day holiday, it’s a good time to reflect on the merits of an event that took place over 240 years ago and how, in today’s payment world, there are many parallel scenarios where a little independence could go a long way....
Read MoreInnovation 2.0: ATMs in the 21st Century
Innovation is reshaping global financial services. From how they are consumed, to who offers them and how they’re structured, we live at a time when new ideas and new approaches to payments and digital banking arise almost weekly. Jim Tomaney discusses the role of the ATM in the 21st-century....
Read MoreThe State of Payments: July 2019
Jim Tomaney reflects on the state of payments midway through 2019. What's changing? What's emerging? How should businesses respond? Read on....
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