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.

Apple Pay in the browser will be bigger than Apple Pay on your phone

Apple Pay in the browser will be bigger than Apple Pay on your phone

Written by on October 6, 2016 in Guest Blog with 0 Comments

As I am sure many of you will remember, the thing I was most wrong about – ever – on the Tomorrow’s Transactions blog was that I was convinced that Apple would not bother with an NFC interface for the iPhone. Luckily, my blog is not a blockchain, so I could go back and delete […]

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Unrealistic deadlines loom for an open API banking standard

Unrealistic deadlines loom for an open API banking standard

Written by on September 29, 2016 in Guest Blog with 0 Comments

The UK’s Competition and Markets Authority (CMA) has published its report on the retail banking market. It says, that “the timely development and implementation of an open API banking standard has the greatest potential to transform competition in retail banking markets”. I can’t say that I read all 766 pages, but given that I think that […]

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Identity is broken, where is the digital infrastructure solution?

Identity is broken, where is the digital infrastructure solution?

Written by on September 22, 2016 in Guest Blog with 0 Comments

Online (identity-related) fraud is absolutely out of control in the UK and there is, so far as I can see, no prospect of any form of identity infrastructure to deal with the problem. Prospective Prime Minister Jeremy Corbyn has put forward the suggestion of a digital passport (and has, as yet, not responded to my […]

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The chips are down – EMV in the US not going well

The chips are down – EMV in the US not going well

Written by on September 16, 2016 in Guest Blog with 0 Comments

I’ve been reading a lot of comment about the US EMV migration recently and there seems to be pretty universal condemnation of the process (some of it from me). In the UK, we had chip and PIN day (St.Valentine’s Day 2006) and that, pretty much, was that. But in the US, the migration has been […]

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Forgot your wallet, no problem you have your phone. No, wait…

Forgot your wallet, no problem you have your phone. No, wait…

Written by on September 14, 2016 in Billing & Payments, Guest Blog with 0 Comments

I nipped round to Waitrose to get some milk the other day. As I closed the door behind me I realised that I’d left my wallet on my desk. But guess what – I didn’t care. Waitrose takes contactless, and they’ve implemented in properly (with CDCVM), so there’s no need to take cards as consumers […]

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The long road towards digital identity, a role for banks?

The long road towards digital identity, a role for banks?

Written by on September 2, 2016 in Guest Blog with 1 Comment

The World Economic Forum (WEF) has just published their report on “A Blueprint for Digital Identity”. It begins with a disclaimer from “Deloitte”* saying that “This publication is not a substitute for such professional advice or services, nor should it be used as a basis for any decision or action that may affect your business”. […]

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Privacy must now become part of the customer proposition

Privacy must now become part of the customer proposition

Written by on August 23, 2016 in Guest Blog with 0 Comments

Over the years, I’ve often tried to persuade clients that the time will come when privacy will be part of the upfront consumer proposition rather than a back office hygiene factor. privacy should be an integral part of the customer proposition that sways the choice of product or service From The business of privacy | Consult […]

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Analysis: Mastercard and VocaLink and why it makes sense

Analysis: Mastercard and VocaLink and why it makes sense

Written by on August 11, 2016 in Guest Blog with 0 Comments

I’m sure by now you’ve all read about MasterCard’s acquisition of VocaLink. If not, you can listen to me talking to David Yates, the CEO of VocaLink, about it on the latest podcast in our Tomorrow’s Transactions series, either via iTunes or directly via our web site. It’s very interesting, in my opinion, to hear David’s […]

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The rise and rise of in-app banking

The rise and rise of in-app banking

Written by on August 4, 2016 in Guest Blog with 0 Comments

I very rarely use Internet banking these days and it seems I’m not alone. Almost every interaction with my bank takes place through one of my mobile banking applications: my Barclays banking application, my Barclays PingIt application (which I assume will soon disappear inside WhatsApp and Waitrose and Hailo and so on), my Simple application, […]

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An Indian airline, bankruptcy and a real shared ledger use case

An Indian airline, bankruptcy and a real shared ledger use case

Written by on July 22, 2016 in Guest Blog with 0 Comments

Like many of you I am sure I never miss The Economist “Money Talks” podcast, which is how come I happened to hear about the bankruptcy of an Indian airline. A first glance a normal, run of the mill corporate failure… Inaugurated in 2005, Kingfisher Airlines… never made money, not in one year. On 20 […]

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