Jonathan Jensen

Jonathan Jensen

Jonathan has been working in payments for 18 years covering digital money, identity verification, telco billing, finance systems and consumer payment services; in both startup and corporate environments. Most recently, his experience is in developing alternative consumer payment models. "I'm passionate about removing the friction and frustration from payments. The convergence of payments and mobile technology and its impact on consumers fascinates me." You can follow Jonathan on Twitter at @sevendotzero

Legacy business banks should be afraid, very afraid

Legacy business banks should be afraid, very afraid

Written by on October 30, 2017 in Guest Blog with 0 Comments

The other morning I read that the Tide business current account is taking 7% of the market for new customer accounts. A big achievement for a bank that’s less than a year old. (Strictly speaking Tide isn’t a bank as the card is an electronic money product but that doesn’t really matter when you look at […]

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A cashless utopian future? Sure, but it may take some time

A cashless utopian future? Sure, but it may take some time

Written by on August 7, 2017 in Guest Blog with 0 Comments

The death of cash in the U.K. is a slow burn and we often feel like the poor relation when compared to progressive countries like Denmark and Sweden where cash is increasingly marginalised. Much has been written about the costs of taking cards and how it puts retailers at a disadvantage compared to taking cash. […]

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In the age of agile banking, how will legacy banks survive?

In the age of agile banking, how will legacy banks survive?

Written by on July 18, 2017 in Guest Blog with 0 Comments

A close member of the family recently wanted to take advantage of the sign up bonus offered by a UK legacy bank (which shall remain nameless). Although he of course (as a family member) uses one of the new digital disruptor banks, as a student of limited means, the bonus was something not to be […]

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AirPods  – Apple at its best

AirPods  – Apple at its best

Written by on May 24, 2017 in Guest Blog with 0 Comments

Over the years I’ve tried a number of different Apple headphones with my iPhones, both in ear and on ear. I’ve always struggled to find a set that are comfortable, so presumably I have strange ears! However when I eventually managed to get hold of some AirPods I realised I’d found something that I actually […]

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Let’s not treat identity verification as security theatre

Let’s not treat identity verification as security theatre

Written by on January 16, 2017 in Guest Blog with 0 Comments

I’ve worked on identity verification in the UK, both from the customer side and now on the service provider side. Despite the rich data available to organisations to verify the identity of customers electronically, many still insist on seeing a passport or driving licence and some sort of proof of address. I always find this […]

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My new business bank is like a bank, but better

My new business bank is like a bank, but better

Written by on January 9, 2017 in Billing & Payments, Guest Blog with 0 Comments

Last year I wrote about the lack of innovation in business banking and someone must have been listening! Last week my Tide Business MasterCard arrived. Tide is technically a prepaid account but operates like a business bank account with a sort code, account number, direct debits, Business MasterCard and many other trappings of business banking […]

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Who’s going to pay for bank branches?

Who’s going to pay for bank branches?

Written by on November 22, 2016 in Billing & Payments, Guest Blog with 0 Comments

The relentless decline in the number of bank branches in the UK and elsewhere features regularly in the press. In May 2016 BBC News stated that 600 branches had closed in the previous year. It’s no surprise that customers are using apps and online for managing their banking and using branches less and less; it’s […]

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Where do I find my new business bank?

Where do I find my new business bank?

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

One of the tasks on my to do list is to look for a new SME business bank for day-to-day transactions. Currently I use one of the legacy banks and its products and service are, well, legacy. It’s lacking in both service and innovation and offers a dreadful mobile app. What I want is a […]

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The opportunity for ‘new’ banks (and don’t try doing business on a bank holiday)

The opportunity for ‘new’ banks (and don’t try doing business on a bank holiday)

Written by on June 13, 2016 in Guest Blog with 0 Comments

There’s lots of talk about how big the opportunity is for new banks to do banking differently but what really matters is the experience for customers day-to-day. My colleagues here at Disruptive Views have first hand experience of the pain and obstructionism in opening a new business account with a legacy bank. Recently I was […]

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Is paying with contactless too easy?

Is paying with contactless too easy?

Written by on May 26, 2016 in Billing & Payments, Guest Blog with 0 Comments

Earlier this week BBC News wrote a piece on contactless payments under the title “Will paying with contactless cards make us less healthy?”. The contention here is that paying with contactless is so simple and without any visibility of ‘real’ cash it’s too easy to spend more, especially on unhealthy snacks. I can see the […]

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