Nick Collin - Collin Consulting

1. Display Cards and Mobile Wallets: (Opinion Articles); ... for online banking or shopping are much stronger than an equivalent Mobile Wallet. Dual interface Display Cards have the same contactless capability as mobile POS payments via NFC. And it will surely only ...; Created on 14 March 2013
2. 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
3. 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
4. Leave the Payments Council Alone: (Opinion Articles); ... In fact, nothing could be further from the truth. Through cashless shopping, EMV chip, online banking, and now Faster Payments the UK has led the world for two decades. Faster Payments, in particular, ...; Created on 20 November 2012
5. Mobile NFC RIP?: (Opinion Articles); ... process for higher value payments would be Tap, Enter PIN into handset, Tap Again, Go if the PIN is verified and the transaction authorised online. Quite apart from the complexity of this process, the ...; Created on 10 July 2012
6. Digital wallets – making sense of the metaphor: (Opinion Articles); ... electronic details of several cards (not just Visa or MasterCard) as well as billing and delivery addresses, in order to make “one-click” online purchases via PC or mobile phone, or at the physical POS ...; Created on 18 June 2012
7. ATMIA launches US EMV migration committee: (Opinion Articles); ... upgrading ATMs to EMV compliance is relatively straightforward (compared with POS terminals and reissuing cards) not least because PIN verification is already the norm and is always online. ATM migration ...; Created on 09 May 2012
8. 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
9. Predictions for 2012 – a contrarian view: (Opinion Articles); ... others directly from their bank account using just an email address or phone number. Faster Payments will also be used to start developing a UK version of the Dutch iDeal online shopping service. ...; Created on 08 February 2012
10. E-Purse - time for a comeback: (Opinion Articles); ... pre-authorised payments are authenticated offline. When the counter reaches zero, the funds are topped up, either explicitly at an ATM, for example, or implicitly by forcing an online transaction. ...; Created on 07 February 2012
11. Extending EMV chip beyond banking and payments: (Opinion Articles); ... issued with branded payment cards, which may if necessary be very low-risk, pre-paid or 100% online authorised debit products, and which also support the appropriate social benefit applications. At the ...; Created on 04 February 2012
12. 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
13. 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
14. Passfaces: (Archives); ... most online banking services use some form of password or PIN for authentication. It is accepted that this approach is not perfact. Many customers dislike PINs and passwords because they are difficult ...; Created on 01 February 2012
15. Internet Banking and Web TV: (Archives); ... value chain model, consumers choose different Contexts for different activities. Note, however, that the increasing use of mobile phones for online banking could be interpreted as refuting this claim. ...; Created on 01 February 2012
16. 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
17. Speech Recognition: (White Papers); ... automated speech generation. IVR technology is used by many banks (eg NatWest's Actionline) and works reasonably well, but leaves a lot to be desired and will never be accepted by a large majority of the ...; Created on 14 January 2012
18. Remote Chip Authentication: (White Papers); Online card payment authentication using the card schemes' 3D Secure protocol (SecureCode and VbV) is gaining traction and is helping to make online shopping more secure. But this still only represents ...; Created on 14 January 2012
19. EMV Chip Added-Value Applications: (White Papers); ... Chip Authentication Program (CAP) and Visa calls it Dynamic Password Authentication (DPA). Many banks, all over Europe, are already using RCA for secure online banking - Barclays and RBS in the UK for ...; Created on 14 January 2012
20. Display Cards – coming soon to a bank near you: (Opinion Articles); ... bank TEB, for example, has recently completed a successful pilot of a MasterCard card which displays a one-time-password (OTP) upon entry of the cardholder’s PIN. The OTP can then be used for secure online ...; Created on 11 January 2012
21. Chip and PIN Online: (Opinion Articles); It’s easy to become blasé about internet shopping, but e-commerce statistics continue to astound. According to IMRG, global online sales volumes in 2010 amounted to €591 billion, an annual growth rate ...; Created on 19 June 2011
22. Full Biography: (Nick Collin); ... Product development, marketing and implementation of MasterCard’s remote Chip Authentication Program (CAP) for secure online banking, and secure e-commerce in combination with SecureCode. Management ...; Created on 18 May 2011

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