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

Looking back on payments disruption in 2014

Looking back on payments disruption in 2014

Written by on December 19, 2014 in Guest Blog with 0 Comments

As the year draws to a close it’s worth reflecting on some of the more interesting disruptions in payments we’ve seen this year. Highlights for me include …The launch that will perhaps have the biggest impact on consumer payments over time was Apple Pay. Apple Pay takes a lot of the friction out of the […]

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Is the bank branch dead?

Is the bank branch dead?

Written by on November 17, 2014 in BillingViews, Guest Blog with 0 Comments

One of the most contentious subjects in UK retail banking is around branch closures. According to the Campaign for Community Banking Services, more than 8,000 UK bank branches have closed since 1990. This decline will continue (Lloyds has announced they are closing 200 more branches although curiously they are opening 50!) and potentially accelerate because […]

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The decline of the bank branch

The decline of the bank branch

Written by on November 14, 2014 in Opinion with 0 Comments

One of the most contentious subjects in UK retail banking is around branch closures. According to the Campaign for Community Banking Services, more than 8,000 UK bank branches have closed since 1990. This decline will continue (Lloyds has announced they are closing 200 more branches although curiously they are opening 50!) and potentially accelerate because […]

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The end of dodgy mobile coverage?

The end of dodgy mobile coverage?

Written by on November 6, 2014 in Guest Blog with 2 Comments

Mobile coverage is one of those things that seems like it should always be better. However in the UK we do suffer from patchy coverage, especially when compared to my anecdotal experience elsewhere. This is especially true on railway lines and in rural areas, however, even in London my iPhone spends as much time on GPRS […]

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CurrentC and MCX lack CEX

CurrentC and MCX lack CEX

Written by on October 30, 2014 in Guest Blog with 0 Comments

There has been much discussion recently about the decision of two retailers in the US to drop NFC payments in order to stop Apple Pay being used in their stores. These stores are part of the Merchant Customer Exchange (MCX) consortium that is planning to launch a non-bank payment product CurrentC next year. On the […]

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It’s all about the payment experience

It’s all about the payment experience

Written by on October 29, 2014 in BillingViews, Guest Blog with 0 Comments

There has been much discussion recently about the decision of two retailers in the US to drop NFC payments in order to stop Apple Pay being used in their stores. These stores are part of the Merchant Customer Exchange (MCX) consortium that is planning to launch a non bank payment product CurrentC next year. On […]

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Wearables the future of payments? I’m not convinced …

Wearables the future of payments? I’m not convinced …

Written by on October 20, 2014 in BillingViews, Guest Blog with 2 Comments

A few weeks back I spotted the bPay band from Barclaycard which supports contactless NFC payments via a wristband. Using the bPay website you load money from a debit or credit card and then make payments up to £20 by touching the band on the usual contactless card readers in store. As a payments geek […]

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A dystopian future filled with bank branches?

A dystopian future filled with bank branches?

Written by on October 8, 2014 in BillingViews, Guest Blog with 2 Comments

Recently The Economist published an article on Metro Bank and its strategic focus on bank branches. We hear much about the death of the branch but here is a bank building its entire strategy around the branch. And these branches (or ‘stores’ in Metro speak) are grand affairs, seemingly designed in the style of yesterday’s branches. […]

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Apple Pay – evolution or revolution?

Apple Pay – evolution or revolution?

Written by on September 10, 2014 in BillingViews, Guest Blog with 4 Comments

Innovation in payments tends to be evolutionary, rather than revolutionary. The success stories in payments tend to be based on taking what’s already there and making it work better. This approach also happens to be the way Apple has approached technology innovation for its successful product lines. An Apple move into payments has been much […]

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NFC to be, or not to be?

NFC to be, or not to be?

Written by on September 2, 2014 in Guest Blog with 0 Comments

For the third year running the tech press has been debating whether or not the new iPhone will have an NFC chip and whether Apple will launch an NFC based payments service. This year leaked parts from the new iPhone appear to confirm that an NFC chip is definitely present and speculation has focussed on what exactly […]

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