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THE RISE OF THE MACHINES
Move over Big Data. There are two new buzz words in town: ‘artificial intelligence’ and ‘machine learning’. The claims being...
Cyber insurance and mitigating cyber risk
Cyber attacks are increasing in number and sophistication. ‘Transfer’ is one of the four ‘Ts’ of risk management, alongside terminate,...
Addressing the unbanked in developing countries
Around two billion people worldwide do not use formal financial services and around half the adults in the poorest households...
The War On Cash
Despite all the marketing money spent on promoting electronic payments over many decades, cash still accounts for around 80 percent...
Can incumbents innovate any more?
Innovation is one of the few ways to sustain competitive advantage over time. But can incumbent banks and payment companies...
When the alternative goes mainstream…
When bank-account funded payments, real-time payments, mobile and other digital payments are actually the default way to pay in many...
Data security: Card data security ten years on
Ten years after the founding of the Payment Card Industry Security Standards Council (PCI SSC), we present a mid-term report...
Identity and verification in the digital age
Identification and verification (ID&V) has always been at the heart of banking and payments, particularly in the digital age. After...