David Birch

David Birch

Dave is Director of Consult Hyperion, the secure electronic transactions consultancy and is an internationally-recognised thought leader in digital identity and digital money. Named in Wired magazine’s global top 15 favourite sources of business information; rated one of the NextBank “Fintech Titans”; voted one of the European “Power 50” people in digital financial services and ranked Europe’s most influential commentator on emerging payments.

The Oslo Fintech Fest and why Norway is a role model for, well, everything

The Oslo Fintech Fest and why Norway is a role model for, well, everything

Written by on February 15, 2017 in Guest Blog with 0 Comments

Well, I’m just back from Oslo where it was a balmy -4 during the Oslo Fintech Fest. The nice people organising this little get-together of a almost a thousand close friends asked me along to give a short talk on the next ten years of Fintech and since some of Consult Hyperion’s favourite Nordic clients […]

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US considering new passporting system with UK banks – whatever that is

US considering new passporting system with UK banks – whatever that is

Written by on February 9, 2017 in Guest Blog with 0 Comments

The new administrations in the UK and USA are apparently planning to work together to create a new transatlantic America First / Buy British trade alliance. This will, it seems, include financial services. A deal to reduce barriers between American and British banks through a new “passporting” system was being considered by Mr Trump’s team […]

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Why cash is not good for the less well off, take India for example

Why cash is not good for the less well off, take India for example

Written by on January 31, 2017 in Guest Blog with 0 Comments

Down at the PayExpo Middle East and North Africa (MENA) in Dubai this year, I saw an excellent presentation from Uber India. One of the most interesting things I learned was that because most Indian Uber rides are paid for in cash, the Modi government’s radical experiment in currency reform hit them hard. As cash vanished […]

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If there is no identity infrastructure, who is to blame when we get scammed?

If there is no identity infrastructure, who is to blame when we get scammed?

Written by on January 23, 2017 in Guest Blog with 0 Comments

I love the BBC’s Money Box programme with Paul Lewis and I listen to it every week.  A recent episode included what, I’m afraid, has become an all-too-familiar story. Paul Lewis hears from a listener who built up savings of £180,000 over more than ten years in business, only to have it all stolen from […]

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A monetary moment, first reactions to India’s demonetisation experiment

A monetary moment, first reactions to India’s demonetisation experiment

Written by on January 13, 2017 in Guest Blog with 0 Comments

I expect that most of you will by now have read a fair bit about the (to my mind) fabulous living monetary experiment that is India. Obviously, I feel sorry for people who have been (to put it mildly) inconvenienced by the chaos caused by the removal of 85% of the currency “in circulation” in […]

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How to buy fish in Goa – hint: with cash, or electronic cash

How to buy fish in Goa – hint: with cash, or electronic cash

Written by on January 6, 2017 in Guest Blog with 0 Comments

We are all still processing the data coming in from India’s radical experiment with cash, and I still think that is way too soon to pass any judgement at all on whether the experiment has been worthwhile or successful, but it is interesting to see some of the immediate effects of the government’s policy of […]

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Everything you ever wanted to know about a blockchain, and some poetry

Everything you ever wanted to know about a blockchain, and some poetry

Written by on December 21, 2016 in Guest Blog with 0 Comments

Well, that was fun. The nice people at the Meaning Conference gave me 13 minutes to try to explain what a blockchain technology is, what blockchains might do, and what the implications might be, to an audience of largely creative people. Quite a challenge. Since they were creative types, I thought I ought to frame […]

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Is America about to follow the European example in payments regulation?

Is America about to follow the European example in payments regulation?

Written by on December 15, 2016 in Guest Blog with 0 Comments

A few years ago, I wrote that when it came to the regulation of payments, America could do worse than adopt something along European lines. By “European lines”, I meant that a regulatory framework which separated systemically risky operations such as lending people money from systemically unrisky operations such as low-value payments would benefit all concerned. […]

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The future of post industrial digital currency, er, money

The future of post industrial digital currency, er, money

Written by on December 9, 2016 in Guest Blog with 0 Comments

The discussions around digital currency continue. I had an interesting sort-of-argument with someone about this recently, and I mentioned in passing the dynamics of the shift from specie to token money during the industrial revolution. I think it’s worth expanding on this here, as to my mind it informs the debates about central bank digital […]

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If you think HCE is old news, look at Kazakhstan

If you think HCE is old news, look at Kazakhstan

Written by on December 5, 2016 in Guest Blog with 0 Comments

In payments, as in so many other fields, Kazakhstan is a beacon to the nations. I notice, for example. that they have recently launched a new tap and pay service that uses host card emulation, or HCE as it is known to us afficionados. Customers of Kazkommertsbank (KKB) in Kazakhstan can now make host card […]

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