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.

Why can’t your bank store your identity? Securely, intelligently?

Why can’t your bank store your identity? Securely, intelligently?

Written by on July 12, 2016 in Guest Blog with 1 Comment

Speaking at the Dutch National Blockchain Conference back in June, I remarked in passing that I thought bank customers would be storing their money (their wealth) in all sorts of places in the future – from a small percentage in demand deposit accounts, through investment accounts of one form or another, P2P marketplaces and who […]

Continue Reading

Introducing the Shared Ledger of Identity Transactions (SLIT)

Introducing the Shared Ledger of Identity Transactions (SLIT)

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

Okay let’s continue the experiment of thinking out loud about putting “identity” on the “blockchain”. Just to recap, in Part One we identified a specific identity problem that might be solved using shared ledger technology, in this case the problem of KYC for financial services. In Part Two we identified a useful and consistent model […]

Continue Reading

Blockchain, identity and the correct implementation of CRUD

Blockchain, identity and the correct implementation of CRUD

Written by on July 1, 2016 in Guest Blog with 0 Comments

Now onto part three of our week of thinking out loud about putting identity on the blockchain. In part one we found a problem that could be solved using some kind of identity infrastructure. In part two we came up with a model of digital identity that we could use to explore a potential solution […]

Continue Reading

Biometrics and identity: why you don’t need a real one

Biometrics and identity: why you don’t need a real one

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

I’m continuing my week of thinking out loud about identity on the blockchain. In Part 1, we came up with a real problem that needs fixing and explored the idea of a financial services passport. In Part 2, we’re going to put forward a model that could form part of the solution to that real […]

Continue Reading

Can the blockchain manage the identity crisis?

Can the blockchain manage the identity crisis?

Written by on June 17, 2016 in Guest Blog with 0 Comments

I have to give a presentation about putting identity on the blockchain, even though no-one seems entirely clear what “identity” means or, for that matter, what “blockchain” means. So I thought I’d try and experiment in thinking out loud this week, using your feedback to try and finish the week with some consistent model of […]

Continue Reading

Would the blockchain be useful to manage the IoT?

Would the blockchain be useful to manage the IoT?

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

I’ve said a few times that I think the Internet of Things is where mobile was a couple of decades back. Some of us had mobile phones, and we loved them, but we really didn’t see what they were going to turn in to. I mean, I was always bullish about mobile payments, but even […]

Continue Reading

Are APIs integral to the future of payments and banking?

Are APIs integral to the future of payments and banking?

Written by on May 31, 2016 in Billing & Payments, Guest Blog with 0 Comments

I happened to be talking about access to payment infrastructure (something I blogged about here) at a client event yesterday, and got involved in a discussion about how the fintechs might begin to work with banks in the new world of PSD2 and mandatory APIs. This has been subject of great interest to me at […]

Continue Reading

In payments and POS, the US is still a land of confusion

In payments and POS, the US is still a land of confusion

Written by on May 23, 2016 in Billing & Payments, Guest Blog with 0 Comments

Well, I’m back in America again and I can’t help but notice that the retail point-of-sale (POS) experience is getting weirder week by week. I’ll show you why in a moment, but first of all, just to remind you about the baseline, I should explain to foreigners that people here do have cards that have […]

Continue Reading

Are blockchain security protocols up to the task?

Are blockchain security protocols up to the task?

Written by on May 12, 2016 in Guest Blog with 0 Comments

To make a very great generalisation, there are two ways to get the kind of security that we need to do clever transaction stuff. We have a tamper-resistant hardware in the loop (like the chip on your EMV card or the SIM in your mobile phone) or we have to have some complicated software. This […]

Continue Reading

When it comes to tickets, we search in vain for the true one click wonder

When it comes to tickets, we search in vain for the true one click wonder

Written by on May 4, 2016 in Billing & Payments, Guest Blog with 1 Comment

A funny thing happened on the way to the Tomorrow’s Transactions Forum. I arrived in good time (it’s always best to add on a few minutes to give yourself time to buy a ticket) for the 7.39 Flying Glacier to Waterloo via Misery and Degradation. Hurrah!When I got into the ticket hall I discovered that […]

Continue Reading

Top