Summer Issue
Alongside the rise of Asia, a technology boom and the end of Communism in Central and Eastern Europe, Covid-19 stands as one of the biggest things to have happened globally in the last 50 years. It represents an enormous shift. It has also been a very fast shift. Unlike the other really big things, Covid-19 has affected almost all of mankind - and in the space of less than four months (as of...
Financial IT Spring Issue 2020
Only some of the articles that have been contributed to this edition of Financial IT deal with the impact of the COVID-19 virus, which become seen as a global pandemic in mid-March. As of 15 April, the epicentre of the pandemic appears to have moved from Europe to the United States. COVID-19 is yet to be brought under control. In particular, it is unclear what will be the best way of preventing...
Financial IT Winter Issue 2020
One of the contributors to this edition of Financial IT raises the possibility that the global financial services industry as we know it could cease to exist. Of course, this outcome does not mean that the activities of the global financial services would not take place. Rather, they would be performed in different ways by Fintechs that are very different to traditional financial institutions...
Financial IT’s archive includes two very different stories about branch banking in the last two months or so. The role that is played by bank branches in a bank’s overall business model depends on a complex variety of issues. What are the technologies that are being used? Where are the banks located? What do the bank’s employees who work at the branches actually do? Where does physical cash...
Sibos Issue 2019
The date is important, because it is the deadline, incorporated in the revised Payments Services Directive (PSD2) of the European Union (EU) for the introduction of Strong Customer Authentication (SCA). With few exceptions, SCA applies to payment services providers (PSPs) when they are carrying out remote electronic transactions. SCA is defined in PSD2 as an ‘authentication based on the use of...


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