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 in...

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...

Central Bank Digital Currency may well have a future but not as proposed by the Bank of England – read why here.

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 providing some potential solutions.

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. 

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 is going.

Fraud is rising – could a digital personality be used to make real-time decisions to counter fraud?

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...