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.

Are e-payments eating cash?

Are e-payments eating cash?

Written by on November 23, 2015 in Guest Blog with 0 Comments

One of the projects we have been working on for a client involves looking at the relationship between cash and electronic payments in different markets. It’s not germane why or what we concluded, but I would like to open up some discussion around the topic. If you look at (for example) the US figures, you […]

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IoT needs an identity layer – surely any #IDIoT knows that?

IoT needs an identity layer – surely any #IDIoT knows that?

Written by on October 15, 2015 in Guest Blog with 0 Comments

The Gartner hype cycle is jolly bullish on autonomous vehicles, which I’m really looking forward to. According to Jerry Kaplan’s fascinating “Humans need not apply”, switching to autonomous vehicles in the US will save thousands of lives and billions of dollars every year. Personally, I couldn’t care less if I never drive a car for […]

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Is tokenization the best bet for card security in USA?

Is tokenization the best bet for card security in USA?

Written by on October 7, 2015 in Guest Blog with 0 Comments

It’s fair to say that Jeremy King of the PCI Security Standards Council and I do not always see eye to eye on things. In fact we’ve disagreed more than once (in public) about the usefulness of PCI-DSS (the Payment Card Industry Data Security Standard). But I have to say that Jeremy is absolutely spot on here: King […]

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How about a stealth token for those anonymous moments?

How about a stealth token for those anonymous moments?

Written by on September 4, 2015 in Guest Blog with 0 Comments

Well. I can’t not write something about the Ashley Madison hack. Massive data breaches that spew people’s credit card information all over the Internet are one thing and I’d sort of given up paying any attention to them. After all, if someone gets hold of my credit card information and uses it to make unauthorised charges […]

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Death knell for the stolen credit card – soon

Death knell for the stolen credit card – soon

Written by on April 9, 2015 in BillingViews, Guest Blog with 0 Comments

Technologically speaking, the credit card as we know it should have vanished long ago. It’s surely not got much longer . Back in 1979, when I was taking a computer science course at Univeristy that involved writing in FORTRAN (*) on an ICL 2900 series behemoth, the computer scientist Christopher Evans wrote a popular book […]

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