Nick Collin - Collin Consulting

1. Breaking up is hard to do – Part 1: (Opinion Articles); ... or if I am, then this is a reflection of serious incompetence in the way my banking relationship is managed. I can say this with some confidence since in addition to my personal account I also have a business ...; Created on 23 June 2013
2. What exactly is Bitcoin and should we care?: (Opinion Articles); ... firms. So yes, I do think Bitcoin should be taken seriously, and the incumbent banking and payments industry and governments worldwide should be afraid, very afraid! Nick Collin, Banking Automation Opinion ...; Created on 04 May 2013
3. Dynamic Currency Conversion: (Opinion Articles); ... After all, it is better to earn some foreign exchange income than none at all. Maybe DCC will eventually turn out to be in the interests of the consumer after all. Nick Collin, Banking Automation Bulletin ...; Created on 16 April 2013
4. Display Cards and Mobile Wallets: (Opinion Articles); ... of e-banking and e-commerce transactions. All of these are MasterCard cards and all use technology developed by NagraID Security. This company’s website now boasts an even more powerful product, a “2nd ...; Created on 14 March 2013
5. EMV Chip in the US – the Case for Offline PIN: (Opinion Articles); ... argument in favour of offline PIN is that it enables Remote Chip Authentication (RCA) solutions such as MasterCard’s CAP or Visa’s DPA. RCA delivers strong, two-factor authentication of banking and payment ...; Created on 16 February 2013
6. E-Commerce Payments – “Push” versus “Pull”: (Opinion Articles); Last month EBA Clearing announced that it had signed up 11 banks to participate in a live launch of MyBank, a new pan-European Online Banking ePayments (OBeP) service. This could be a highly significant ...; Created on 21 January 2013
7. Mobile Terminals: (Opinion Articles); ... a mobile phone as a card. Nick Collin, Banking Automation Bulletin, December 2012 ...; Created on 21 December 2012
8. Leave the Payments Council Alone: (Opinion Articles); ... choose to attack the Payments Council at this time. Over the past several years almost every part of the banking industry has been revealed to be incompetent, untrustworthy, greedy and criminally negligent. ...; Created on 20 November 2012
9. Bashing Bankers, Part 3 - Regulators: (Opinion Articles); ... grounded in simplicity, not complexity.” Haldane is, of course a regulator himself. Let’s hope his “keep it simple” message is not ignored. Nick Collin, Banking Automation Bulletin, ...; Created on 23 September 2012
10. Bashing Bankers, Part 2 - Barclays: (Opinion Articles); Last month I argued that indiscriminate “banker bashing” ignores the fact that banking is a large, complex industry and that while some parts (for example, much of investment banking) have been revealed ...; Created on 20 September 2012
11. Bashing Bankers, Part 1 - RBS: (Opinion Articles); These days it seems that not a week goes by without a new banking scandal, accompanied by an orgy of “banker bashing” by the media, politicians, and the public at large. As I write the focus is on Libor-fixing ...; Created on 16 August 2012
12. Mobile NFC RIP?: (Opinion Articles); ... (NFC) interface.I have no problem with mobile banking, mobile commerce and mobile person-to-person payments. In all these cases the mobile phone is just being used as an alternative to a PC and this will ...; Created on 10 July 2012
13. Digital wallets – making sense of the metaphor: (Opinion Articles); ... payments proposition to the much more promising mobile commerce opportunity. Banking Automation Bulletin Article, June 2012, by Nick Collin ...; Created on 18 June 2012
14. ATMIA launches US EMV migration committee: (Opinion Articles); ... Banking Automation Bulletin Article, May 2012, by Nick Collin ...; Created on 09 May 2012
15. Telephone banking fraud: (Opinion Articles); ... 2011 payment card fraud dropped 7% to £341 million, a 10 year low, while online banking fraud dropped 24% to £36 million, despite an 80% increase in phishing attacks.Both effects are in large part thanks ...; Created on 17 April 2012
16. Barclays Pingit: (Opinion Articles); ... is repeating itself in this case! Banking Automation Bulletin Opinion Article, February 2012, by Nick Collin ...; Created on 19 March 2012
17. Barclays Pingit ushers in mobile-to-mobile payments: (Opinion Articles); ... is repeating itself in this case! Banking Automation Bulletin Opinion Article, February 2012, by Nick Collin ...; Created on 09 March 2012
18. EMV Migration in the US – an Update: (Opinion Articles); ... described above. Most recently, MasterCard has made a similar announcement, apparently taking the same broad line. Banking Automation Bulletin Opinion Article, February 2012, by Nick Collin ...; Created on 14 February 2012
19. Predictions for 2012 – a contrarian view: (Opinion Articles); ... phone instead of a PC for mobile banking, mobile commerce, and mobile person-to-person payments, will all grow steadily. This will prompt fraudsters to challenge the security of mobile phones with spyware ...; Created on 08 February 2012
20. E-Purse - time for a comeback: (Opinion Articles); ... cards and the like. So call me sentimental, but I have a hunch that we haven’t heard the last of e-purse just yet! Banking Automation Bulletin Opinion Article, December 2012, by Nick ...; Created on 07 February 2012
21. Interchange fees and the law of unintended consequences: (Opinion Articles); ... honestly in the future. Banking Automation Bulletin Opinion Article, November 2011, by Nick Collin ...; Created on 06 February 2012
22. Visa kick starts EMV chip migration in the US: (Opinion Articles); ... But good luck to Visa, and let’s hope I’m wrong! Nick Collin, Banking Automation Bulletin, September 2011 ...; Created on 05 February 2012
23. Extending EMV chip beyond banking and payments: (Opinion Articles); ... different sectors and cultures. But the rewards can be huge, and I think we can expect more of this sort of thing in the future. Nick Collin, Banking Automation Bulletin, August 2011 ...; Created on 04 February 2012
24. Online banking security – no easy answers: (Opinion Articles); Two events prompted me this month to look again at online banking security: the first a survey by Which? magazine of UK banks’ security approaches; the second the arrival of my new HSBC Secure Keydevice ...; Created on 03 February 2012
25. Mobile NFC Payments – Reality or Hype?: (Opinion Articles); ... Nick Collin, Banking Automation Bulletin, April 2011 ...; Created on 02 February 2012
26. Happy Birthday? The strange case of Faster Payments: (Opinion Articles); According to a Payments Council press release on May 27 celebrating the third birthday of Faster Payments, 82% of all online and telephone banking payments and 64% of standing orders are now processed ...; Created on 02 February 2012
27. New Perspectives on Delivering Retail Financial Services: (Archives); ... by markets, and this works well at a high level for full service groups where the most natural top level structure is one of retail, corporate and investment banking divisions. But drilling down a level ...; Created on 01 February 2012
28. Passfaces: (Archives); Passfaces is a "cognometric" method of authenticating internet users based on the remarkable ability of humans to remember faces. It is particularly suitable for internet banking applications since it ...; Created on 01 February 2012
29. Internet Banking and Web TV: (Archives); The original version of this article, published circa 2000, asked whether either internet banking or banking via "web tv" would ever be a mass market and concluded, pessimistically, that internet banking ...; Created on 01 February 2012
30. Internet Banking Adoption: (Archives); The original version of this article was published circa 2000 when intenet banking was in its infancy. It is re-published here in updated form, not to highlight the internet as a new opportunity any more ...; Created on 01 February 2012
31. Books and Other Information: (Resources); ... in many ways a renaissance in ways of looking at the world. Which is a pity, because with hindsight it is clear that things really have changed. Phenomena such as e-commerce, online banking and the web ...; Created on 20 January 2012
32. EMV Chip Workshop: (About); ... propositions in order to create profitable business growth and gain long term, sustainable business advantage. The course is non-technical, highly interactive and suitable for senior retail banking marketing ...; Created on 18 January 2012
33. E-Trust: (White Papers); ... is where banks really come into their own, by virtue of belonging to an international banking community whose members trust each other and are used to participating in similar schemes (the card payments ...; Created on 14 January 2012
34. EMV Chip Added-Value Applications: (White Papers); ... chip lies with card payment IT staff with little input or involvement from other banking divisions or marketing and new business development staff. With notable exceptions, long term strategic ...; Created on 14 January 2012
35. Remote Chip Authentication: (White Papers); ... single-factor authentication. Meanwhile an increasing number of banks are using Remote Chip Authentication (RCA - also known as CAP or DPA) for secure online banking. The next logical development is to ...; Created on 14 January 2012
36. Voice Verification: (White Papers); ... Pilot tests of the technology are encouraging. A high accuracy of correct verification can be combined with a low probability of false rejection which is suitable for most banking operations and the ...; Created on 14 January 2012
37. Virtual Value Chains: (White Papers); The Virtual Value Chain is a useful model for understanding information-based industries, and banking and financial services are increasingly information-based. By analysing a retail financial operation ...; Created on 14 January 2012
38. White Papers Introduction: (White Papers); The following "white papers" cover a range of topics on technologies, applications, trends and business ideas of relevance to the banking and payments community. Driven ...; Created on 14 January 2012
39. Partners: (About); ... Retail Banking Research Edgar Dunn & Co MasterCard Academy Accourt Risk DNA ...; Created on 13 January 2012
40. Consulting Services: (About); Collin Consulting Ltd is a management consulting company with a successful track record of delivering excellent results to a wide range of clients worldwide. The client focus is mainly on the banking ...; Created on 13 January 2012
41. About Nick Collin: (Nick Collin); I am a management consultant with over 30 years experience of working at the intersection of banking and technology, mainly for clients in the card payments industry. I have particular expertise ...; Created on 13 January 2012
42. Display Cards – coming soon to a bank near you: (Opinion Articles); ... banking, or secure e-commerce by treating the OTP as a 3D Secure code (see Bulletin Issue 288, last month). In other words, this is Remote Chip Authentication (RCA) without the need for a separate personal ...; Created on 11 January 2012
43. RBR EMV Report: (RBR EMV Report); ... which has been published by Retail Banking Research (RBR). The report is a detailed analysis of how to leverage the EMV chip infrastructure with added-value business propositions. This second ...; Created on 08 January 2012
44. Articles About Report: (RBR EMV Report); An article about the report has been published in Banking Automation Bulletin in May 2013. Download Article (PDF) An earlier article about the first edition of the report was published in Banking ...; Created on 08 January 2012
45. Order Report: (RBR EMV Report); The report can be ordered from Retail Banking Research (RBR). ...; Created on 08 January 2012
46. Resources - Introduction: (Resources); This section includes white papers, opinion articles, other publications, and references to books and other information resources of interest to the banking and payments community. See sub-menu items. ...; Created on 01 January 2012
47. Chip and PIN Online: (Opinion Articles); ... solution for secure online banking. Over 40 million RCA card readers have been deployed in Europe by many large banks, such as Barclays with its “PINSentry” device. With “Chip and PIN E-Commerce” ...; Created on 19 June 2011
48. Full Biography: (Nick Collin); Nick Collin is an experienced, independent management consultant specialising in the banking and payments industry. Particular areas of expertise include: EMV chip and PIN; chip-based added value ...; Created on 18 May 2011
49. Short Biography: (Nick Collin); Summary Nick Collin is an experienced, independent management consultant specialising in the innovative use of technology, such as EMV chip cards, by the banking and payments industry. Through his ...; Created on 18 May 2011
50. Welcome: (Uncategorised); My name is Nick Collin and Collin Consulting Ltd is my company. Working alone or with partners I provide management consulting services to clients mainly in the banking and payment industry, ...; Created on 01 January 2011
51. Resources: (Category); This section includes reports, articles, white papers, presentations and other resources of interest to the banking and payments community. ...; Created on

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