by Robert Tripp | Mar 23, 2025 | Banking Product Engines, General, Management Information
Banks could be “good guys” for a change. OpenSAFELY is a capability that provides public policy and academic researchers access to the health information of the whole population of England in a hyper- secure manner. Because of its federated architecture it lends...
by Robert Tripp | Dec 17, 2023 | Articles, Banking Product Engines, Gateways to the Banking Industry
There is a lot to like in Joe Garner’s Future of Payments Report but one of his top recommendations, namely Open Banking (without some form of Competition and Markets Authority style compulsion) can offer competition to cards for retailers, is too optimistic....
by Robert Tripp | Mar 22, 2023 | Articles, Banking Product Engines, Gateways to the Banking Industry
The Bank of England is consulting on the design of digital pound but they are asking the wrong question: they should be asking whether the digital pound is the best answer to the challenges that motivate them; – it is not. Executive summary The Bank of England...
by Robert Tripp | Mar 4, 2021 | Articles, Banking Product Engines, Gateways to the Banking Industry
They go together. Central-Bank Digital currencies (CBDC) look to be an inevitability. Given that, can we at least use the UK government’s new digital identity trust framework to ensure some level of privacy. Premise one – CBDCs are inevitable The Bank for...
by Robert Tripp | Apr 5, 2020 | Articles, Gateways to the Banking Industry
This paper is the executive summary of a response to the March 2020 discussion paper from the Bank of England[1] on a possible approach to the introduction of a Central Bank Digital Currency (CBDC). It is not sponsored by anybody; it is purely a personal opinion and...
by Chris Webb | Oct 18, 2019 | Articles
Author: Chris Webb, Linkedin Profile Synopsis – this short document is intended as a discussion paper – posing the question above, and hypothesis that there are two reasons which do not apply to other communities (they have their own difficulties), and...
by Robert Tripp | Aug 30, 2019 | Articles
In the accompanying article “Banking Operations Strategies and Technologies – 15 Years on” we reviewed how our last guess at how these subjects evolved versus the predictions at the time. We got enough things right to provoke us into having another go. We have...
by Robert Tripp | Aug 30, 2019 | Articles
Sixteen years ago HBW wrote a number of articles on strategies for different parts of the Banking Framework. This article takes a review of what was said in the article Banking Operations Strategies and Technologies and links to an updated view of where the industry...
by Pavle Ninkovic | Jul 3, 2019 | Articles, Channels, Customer Relationship Management, Management Information
Introduction Bank fraud is increasing day by day and at the same time getting more sophisticated. This has led to a rising demand from regulators[1], and growing expectation from customers, for banks to improve their fraud defences. The preventions currently in place...
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...
