Nick Collin - Collin Consulting

1. Breaking up is hard to do – Part 1: (Opinion Articles); ... banks. As an industry professional, I must admit to a sneaking admiration for this bank’s unsentimental approach. It is well known that most banks actually lose money on many if not most of ...; Created on 23 June 2013
2. What exactly is Bitcoin and should we care?: (Opinion Articles); ... the music business, it is possible that Bitcoin or another digital currency will seriously undermine the existing bank-based global payments industry. This last point is an important one. Whatever we ...; Created on 04 May 2013
3. Dynamic Currency Conversion: (Opinion Articles); ... a relatively expensive option for the cardholder. More interesting are the implications for the card payments industry if, as my experience suggests, DCC is likely to become standard practice, at least ...; Created on 16 April 2013
4. EMV Chip in the US – the Case for Offline PIN: (Opinion Articles); ... impression one year later is that most in the industry now accept this argument.However, the debate appears to have moved on to whether PIN verification, if used, should be “online” or “offline”. The EMV ...; Created on 16 February 2013
5. E-Commerce Payments – “Push” versus “Pull”: (Opinion Articles); ... industry generally. E-commerce and other forms of Card-Not-Present (CNP) transactions form an increasingly large proportion of global card payment volumes, but this growth masks a significant decline in ...; Created on 21 January 2013
6. Mobile Terminals: (Opinion Articles); ... as the industry leaders emerge and battle for market share. As always with new payments propositions, the details are sometimes difficult to establish. Most of these schemes appear to charge ...; Created on 21 December 2012
7. Leave the Payments Council Alone: (Opinion Articles); ... on the UK payments industry as a whole and in particular the Payments Council. In July this year HM Treasury issued a consultation document entitled “Setting the Strategy for UK Payments”, criticising ...; Created on 20 November 2012
8. 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
9. Bashing Bankers, Part 1 - RBS: (Opinion Articles); ... accounts. I’ve always thought that in this respect the UK banking and payments industry does a good job. Not only is this not widely appreciated but we expect the service for free. So taking ...; Created on 16 August 2012
10. Mobile NFC RIP?: (Opinion Articles); ... the current industry hype would have us believe. Here are the main problems I have with the mobile NFC proposition: No acceptance infrastructure. Mobile NFC requires a critical mass of contactless ...; Created on 10 July 2012
11. ATMIA launches US EMV migration committee: (Opinion Articles); Last month I participated via conference call in the inaugural meeting of the ATM Industry Association (ATMIA) US EMV Migration Committee. This was a lively and productive meeting at which a number of ...; Created on 09 May 2012
12. Telephone banking fraud: (Opinion Articles); In the current climate of indiscriminate banker bashing it is nice to see that one small part of the industry – UK payments – seems to be doing a good job. The UK Cards Association has reported that in ...; Created on 17 April 2012
13. EMV Migration in the US – an Update: (Opinion Articles); ... is even more important for the US card payments industry because of its complexity and fragmentation, but with no sign that the Fed will adopt this role, it falls to the card schemes to lead this industry. ...; Created on 14 February 2012
14. Interchange fees and the law of unintended consequences: (Opinion Articles); At the heart of the card payments industry is the “four party model”, which, simply stated, works as follows. An acquiring bank charges the merchant that accepts a card payment a “merchant servicecharge”, ...; Created on 06 February 2012
15. Visa kick starts EMV chip migration in the US: (Opinion Articles); Visa’s announcement last month of measures to encourage US migration to EMV chip is hugely significant, not just for the US, but for the card payments industry worldwide. We can now realistically ...; Created on 05 February 2012
16. Extending EMV chip beyond banking and payments: (Opinion Articles); The global EMV chip infrastructure represents an immensely valuable resource for banks which, with a little imagination, they could use to grow profitable new businesses outside the payments industry. ...; Created on 04 February 2012
17. Online banking security – no easy answers: (Opinion Articles); ... payments industry needs to do more to understand and address the needs of consumers and then communicate with them more effectively. Banking Automation Bulletin Opinion Article, October 2011, ...; Created on 03 February 2012
18. Happy Birthday? The strange case of Faster Payments: (Opinion Articles); ... Moreover, speaking now as a payments industry representative rather than a consumer, I can’t help but applaud the fact that, unlike non-card payments, the banks actually make money out of card payments! ...; Created on 02 February 2012
19. Mobile NFC Payments – Reality or Hype?: (Opinion Articles); The industry’s enthusiasm for mobile NFC payments has reached fever pitch. Am I alone in remaining sceptical? Superficially the proposition is attractive. We all love our mobile phones, and ...; Created on 02 February 2012
20. New Perspectives on Delivering Retail Financial Services: (Archives); ... services industry is once again going through a period of great change and uncertainty, and not just as a result of the recent financial crisis. Customers are increasingly fickle and demanding. Unprecedented ...; Created on 01 February 2012
21. Books and Other Information: (Resources); ... www.paymentscardsandmobile.com Payments industry magazine. blogs.gartner.com/avivah-litan Gartner's Avivah Litan is one of my favourite financial commentators. www.ted.com If you haven't ...; Created on 20 January 2012
22. E-Trust: (White Papers); By leveraging trusted relationships with their customers and with each other, banks could create a whole new "e-trust" industry by providing a trusted environment for secure trading over the internet. ...; Created on 14 January 2012
23. Virtual Value Chains: (White Papers); ... Virgin (the financial industry as a whole is remarkably weakly branded), and perhaps most importantly a new breed of technology companies such as Google, Facebook, Apple and Amazon. Not surprisingly, all ...; Created on 14 January 2012
24. The Post-SEPA Payments Landscape: (White Papers); The European payments processing landscape is changing rapidly. Which organisations will emerge as winners as the industry converges in the context of SEPA? Collin Consulting Ltd carried out an informal ...; Created on 14 January 2012
25. Remote Chip Authentication: (White Papers); ... other players in the card payments industry including Visa. APACS has also adopted and extended the CAP specification and refers to it as Remote Cardholder Authentication (RCA). In the UK, it is being ...; Created on 14 January 2012
26. Training Services: (About); Working independently or with partners I develop and deliver training courses on the card payments industry, EMV chip, and technology innovation. I have developed a half day workshop on "Making the Most ...; Created on 13 January 2012
27. Consulting Services: (About); ... and payments industry (see Nick Collin - Biography for examples of major client projects). The subject focus is mainly on helping clients to innovate through the use of advanced technologies, ...; Created on 13 January 2012
28. 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
29. Chip and PIN Online: (Opinion Articles); ... all debit card and 20% of credit card spending in the UK. This is of course great news for the card payments industry; or is it? Looked at another way, the share of e-commerce accounted for ...; Created on 19 June 2011
30. 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
31. 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
32. 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

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