Nick Collin - Collin Consulting

1. Apple Pay takes off: (Opinion Articles); ... old plastic cards. After all, in terms of absolute numbers, the total volume or value of Apple Pay transactions must still be a tiny fraction of 1% of the huge $3 trillion US retail payment market ...; Created on 10 April 2015
2. What exactly is Bitcoin and should we care?: (Opinion Articles); ... is a hedge against inflation. Also like gold, the value of bitcoins is highly volatile and has recently appreciated massively (then collapsed somewhat) in what some see as a classic bubble. Not much ...; Created on 04 May 2013
3. Dynamic Currency Conversion: (Opinion Articles); ... the DCC option if it becomes widely perceived to be disadvantageous to them. Instead, merchants and acquirers would be well advised to be less greedy and ensure that the DCC option is always better value. ...; Created on 16 April 2013
4. Display Cards and Mobile Wallets: (Opinion Articles); ... limitations of Mobile Wallets when used for higher value mobile commerce or mobile banking transactions. Strong, two-factor authentication using an OTP generated by a Display Card may be the solution to ...; Created on 14 March 2013
5. Mobile Terminals: (Opinion Articles); ... merchants a single fee of about 2.75% of the transaction value, which sounds very competitive compared with conventional merchant service charges levied on small merchants by traditional acquirers, but ...; Created on 21 December 2012
6. Leave the Payments Council Alone: (Opinion Articles); ... By comparison, the UK payments industry stands as a beacon of integrity, reliability and value for money. As a payments systems consultant my considered opinion is that the UK payments industry is one ...; Created on 20 November 2012
7. Bashing Bankers, Part 2 - Barclays: (Opinion Articles); ... part of banking which has consistently delivered reliability, integrity and value for money throughout the current banking malaise. As a postscript it is therefore disappointing that the government has ...; Created on 20 September 2012
8. Mobile NFC RIP?: (Opinion Articles); ... to justify replacing Oyster cards on the London Underground. No business model. Mobile NFC is supposed to be the key to replacing cash for low value payments. But making money out of low value payments ...; Created on 10 July 2012
9. Digital wallets – making sense of the metaphor: (Opinion Articles); ... offer intriguing possibilities for integrating loyalty cards, personalised offers and other added value propositions. There remain big questions surrounding issues such as customer ownership, data sharing, ...; Created on 18 June 2012
10. EMV Migration in the US – an Update: (Opinion Articles); ... countries to include added-value features such as remote chip authentication, contactless payment, and multi-account or multi-function cards from the outset. Three issues seem to me to be worth ...; Created on 14 February 2012
11. Predictions for 2012 – a contrarian view: (Opinion Articles); ... (see next) and the business case will remain elusive. People will start to realise that making money out of low value payments is difficult enough already without sharing the profits across two or three ...; Created on 08 February 2012
12. E-Purse - time for a comeback: (Opinion Articles); The concept of an “e-purse” or “stored value card” was always a natural for smartcards. A pre-paid payment vehicle which could be issued to anyone, with electronic money in effect stored securely onthe ...; Created on 07 February 2012
13. Online banking security – no easy answers: (Opinion Articles); ... home from the same PC, others value the freedom to also log on at the office, or indeed anywhere. HSBC have made an effort to address this requirement: the Secure Key is much smaller than a typical RCA ...; Created on 03 February 2012
14. Mobile NFC Payments – Reality or Hype?: (Opinion Articles); ... be any different? Meanwhile, a largely unreported trend is the increasing use of standard, contact payment cards instead of cash for relatively low value purchases such as a sandwich in a supermarket ...; Created on 02 February 2012
15. Happy Birthday? The strange case of Faster Payments: (Opinion Articles); ... through the service, amounting to 1.6 million payments per day, to a value of £600 million, a doubling of volumes in the last year.The Council is right to trumpet this achievement. Faster Payments is a ...; Created on 02 February 2012
16. New Perspectives on Delivering Retail Financial Services: (Archives); ... We argue that: A "virtual value chain", comprising Content, Infrastructure, and Context components, may be a better organising principle than the traditional Product, Delivery, Market framework. A ...; Created on 01 February 2012
17. Internet Banking and Web TV: (Archives); ... developing new markets, but mass-market approaches tend to put them off. Unlike early adopters, mass-market consumers value simplicity over novelty and sophistication. For these reasons, it ...; Created on 01 February 2012
18. Internet Banking Adoption: (Archives); ... are quite different. Followers on Need want simple, convenient products. Followers on Skill will require much more hand-holding, and reassurance about security, for example. In terms of a virtual value ...; Created on 01 February 2012
19. 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
20. EMV Chip Workshop: (About); ... it for competitive advantage. This half-day workshop is designed for banks and other organisations wishing to leverage their investment in the EMV chip and PIN infrastructure with new, added value ...; Created on 18 January 2012
21. The Post-SEPA Payments Landscape: (White Papers); ... of organisations which process both card and non-card transactions, for example Equens, which was formed from the merger of a Belgian card processor, Banksys, with a German ACH, TKI. Value Chain ...; Created on 14 January 2012
22. E-Trust: (White Papers); ... as a vast, highly efficient, global electronic marketplace. This represents enormous added value for bank customers and it follows that banks could expect to reap rich rewards from the e-trust market. ...; Created on 14 January 2012
23. 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
24. Technology Innovation: (White Papers); ... in terms of applications and infrastructures, and an illustration in terms of EMV added value applications. Download Presentation (PDF) ...; Created on 14 January 2012
25. Remote Chip Authentication: (White Papers); ... (TDS). History and terminology CAP was developed about 5 years ago by MasterCard as an added value application which leverages the EMV chip infrastructure. MasterCard licensed the specification to ...; Created on 14 January 2012
26. EMV Chip Added-Value Applications: (White Papers); ... new infrastructure with added value applications. It's been a long time coming, but the global migration to EMV chip is now well underway. All over the world (now, even in the US!), banks and other ...; Created on 14 January 2012
27. Training Services: (About); ... Chip Introduction EMV Chip Added-Value Business Propositions Technology Innovation All courses are highly interactive and designed to encourage learning and innovation in a workshop setting. ...; Created on 13 January 2012
28. Display Cards – coming soon to a bank near you: (Opinion Articles); ... information without needing to insert their card in a POS or ATM terminal, and exactly when they need it, such as just before a purchase. This represents real added value for cardholders, and this in turn ...; Created on 11 January 2012
29. 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
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); ... value product development 1990-1998: Director, Financial Services Practice, Stanford Research Institute (SRI), London and California: ...; Created on 18 May 2011

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