Nick Collin - Collin Consulting

1. Apple Pay takes off: (Opinion Articles); ... new product. One of the things I like about Apple Pay is that it is firmly based on EMV chip technology. The same principles which make EMV chip cards secure also underpin the security of Apple Pay. ...; Created on 10 April 2015
2. Display Cards and Mobile Wallets: (Opinion Articles); Since I first wrote about Display Cards in this column in June 2011, the technology has been enthusiastically embraced by banks and their customers all over the world.Last year Standard Chartered Bank ...; Created on 14 March 2013
3. Mobile NFC RIP?: (Opinion Articles); ... merchants are simply not embracing contactless technology. And mobile NFC may not work even for urban transit systems; TfL have recently revealed that in tests, current mobile NFC technology is too slow ...; Created on 10 July 2012
4. Telephone banking fraud: (Opinion Articles); ... Research Institute (SRI) on deploying what was at the time very advanced speech technology at banks. Our main emphasis was on using speaker-independent speech recognition technology as a way to automate ...; Created on 17 April 2012
5. Barclays Pingit: (Opinion Articles); ... up to £300 to any other UK bank account holder using just their mobile phone number as identification. This strikes me as a much more realistic and useful application of mobile phone technology than the ...; Created on 19 March 2012
6. Barclays Pingit ushers in mobile-to-mobile payments: (Opinion Articles); ... to £300 to any other UK bank account holder using just their mobile phone number as identification. This strikes me as a much more realistic and useful application of mobile phone technology than the much-hyped ...; Created on 09 March 2012
7. EMV Migration in the US – an Update: (Opinion Articles); ... of confusion and uncertainty is evident, and in this climate it is not surprising that most banks and issuers are reluctant to invest proactively in the new technology and prefer to adopt a wait and see ...; Created on 14 February 2012
8. Visa kick starts EMV chip migration in the US: (Opinion Articles); ... look forward to moving from the current uncomfortable hybrid world of magnetic stripe coexisting with chip technology, to a simpler, more efficient, and more secure chip-only future based on the global ...; Created on 05 February 2012
9. Extending EMV chip beyond banking and payments: (Opinion Articles); ... base – some 70% of cardholders go on to become long term bank customers. EMV technology can also be used to set up brand new smartcard schemes. In Russia, 70% of the population enjoy some sort of social ...; Created on 04 February 2012
10. Mobile NFC Payments – Reality or Hype?: (Opinion Articles); ... technically it is a simple matter to load a payment application on the handset and use Near Field Communication (NFC) technology to support a simple Tap and Go payment at a contactless merchant terminal. ...; Created on 02 February 2012
11. New Perspectives on Delivering Retail Financial Services: (Archives); ... advances in technology are changing the rules of the game. New entrants to the industry are picking off profitable niche businesses. Regulatory scrutiny and compliance requirements are more onerous ...; Created on 01 February 2012
12. Internet Banking and Web TV: (Archives); ... how potential users of internet banking can be described as either consumers with high levels of technological skill and medium levels of financial need ("Followers on Need"), or low levels of technology ...; Created on 01 February 2012
13. Internet Banking Adoption: (Archives); ... (as predicted, internet banking has proved to be immensely popular and hugely cost-effective for banks) but because the SRI research on which it is based is still relevant to the launch of new technology-based ...; Created on 01 February 2012
14. Books and Other Information: (Resources); ... be a disadvantage to a company facing a disruptive technology which results in breakthrough innovations. Exploiting the Virtual Value Chain. By Rayport and Sviokla. HBR Nov-Dec 1995. I love this model. ...; Created on 20 January 2012
15. EMV Chip Workshop: (About); ... and product development staff, as well as card specialists. Through presentations, case studies from the market, exercises and discussions, attendees are encouraged to explore how EMV technology can be ...; Created on 18 January 2012
16. E-Trust: (White Papers); ... follows: Each layer is now described in turn. PKI Technology The technology underlying e-trust is known as public key encryption or Public Key Infrastructure (PKI) ...; Created on 14 January 2012
17. 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
18. Speech Recognition: (White Papers); Speaker-independent speech recognition over the telephone is now a commercially viable solution for automating routine call centre transactions. This technology can result in significant cost savings while ...; Created on 14 January 2012
19. Voice Verification: (White Papers); The technology now exists to authenticate customers over the phone using the unique physical characteristics of their voice, cheaply, easily and securely. When combined with automated speech recognition, ...; Created on 14 January 2012
20. Technology Innovation: (White Papers); Models of technology innovation illustrated by EMV chip developments. Click below for a presentation covering Hinzmann's golden rules of technology development, including a model of technology innovation ...; Created on 14 January 2012
21. EMV Chip Added-Value Applications: (White Papers); ... infrastructure-based technologies such as railways, telephones or the electric grid. The lag between the first appearance of the underlying technology and serious commercial deployment is very long, typically ...; Created on 14 January 2012
22. White Papers Introduction: (White Papers); ... by remarkable advances in technology, we are in an era of outstanding business opportunities (but also threats) for banking and payments. Activities such as on-line banking and e-commerce are now commonplace. ...; Created on 14 January 2012
23. 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
24. Consulting Services: (About); ... Collin Consulting Ltd has particular expertise in helping clients gain business advantage from EMV chip technology. Download brochure (PDF) As an introductory consulting service, ...; Created on 13 January 2012
25. 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
26. Display Cards – coming soon to a bank near you: (Opinion Articles); A phenomenon often underestimated by trend-watchers is how innovations can extend the lifespan of an established technology. Over the past 60 years the functionality and security of the ubiquitous plastic ...; Created on 11 January 2012
27. Full Biography: (Nick Collin); ... speech recognition systems based on SRI’s Nuance natural language technology at two separate UK banks (Nationwide and Lloyds TSB). Several projects over ten years for a large data centre serving ...; Created on 18 May 2011
28. 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

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