by Robert Tripp | Jul 3, 2019 | Articles
In 2018 the UK developed a new way of handling cheques based on cheque image processing. This change has been called ICS (Image Clearing Systems) and previously FCM (Future Clearing Model). Whatever it is called, from end 2019 it will be the way cheques are cleared...
by Robert Tripp | Jul 3, 2019 | Articles
This article is an extension of the article (Post 2019 UK Cheque Clearing Process) which explains how cheque clearing works in the UK from the end of 2019. It expands description in the other article by exploring how small Banks and Building Societies participate in...
by Robert Tripp | Mar 16, 2019 | Articles
PSD2 went live last year with much fanfare but little noticeable change. It is worth remembering the Silicon Valley adage “People overestimate the change over 2 years and underestimate the change over 10 years”. We at HBW believe Open Banking and PSD2 API’s will...
by Robert Tripp | Mar 16, 2019 | Articles
OverviewThink of API’s as;Doorways where what goes in and out of the ‘doorway’ is very, very predictable and widely publicised, andDoorways which are open to anyone with the right key, andWhich come in “pairs” like doors at either end of a windowless corridor.In the...
by Robert Tripp | Nov 24, 2018 | Articles, Channels, Gateways to the Banking Industry
The Problem Authorised push payment fraud is when a fraudster tricks an individual or business into sending them an electronic payment. This is usually done by using social engineering techniques and may also involve gaining access into an individual’s email and then...
