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
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 […]
I was thinking the other day about where retail banking should go next. However hard you look for the account package that suits your needs, you end up choosing accounts that have been designed by people who think they understand your needs – but of course do not. So why don’t banks let you build […]
I was thinking the other day about where retail banking should go next. However hard you look for the account package that suits your needs, you end up choosing accounts that have been designed by people who think they understand your needs – but of course do not. So why don’t banks let you build […]
There’s been a lot of discussion recently in the UK about challenger banks. But what exactly constitutes a challenger bank? In the consumer space, for me it’s a bank that aims to take customers from the big names by doing something different around service delivery. That could be a digital focus enabling customers to do […]
A recurrent payments theme for me is around payments being an enabler, not a barrier, to the consumption of goods and services. Unfortunately all too often it is a barrier and this results in consumer frustration and even worse, transaction abandonment, especially online. But payments friction is much deeper and extends right through the way […]
Recently I’ve come across two very different approaches to making retail banking more personal. I attended an event organised by RBS to garner feedback on their plans for Williams & Glyn when it is hived off from RBS. CEO designate John Maltby outlined his ideas for moving decision making back into branches, via empowered bank […]
Last year I wrote about my experiences with Barclays Pingit and how the digital proposition falls apart when your handset changes. Well it’s happened again – but even worse … I’ve been a long time fan of Pingit because it’s a well designed app that provides useful person-to-person payments functionality, even for non Barclays customers. […]
This week marked the launch of Paym, the mobile phone number based person-to-person payment platform backed by the Payments Council. To use Paym consumers register their mobile phone number with their bank and can then receive funds direct to their bank account via that number. Payments to other individuals are initiated via an existing mobile […]
The next couple of years will represent something of a landmark in UK banking – a reversal of the steady consolidation in banking and the launch of what have been termed ‘challenger’ banks. Whilst the UK has seen a fair amount of competition over the past 20 years or so in areas like savings accounts […]
With Mobile World Congress in Barcelona upon us, it seems opportune to review the state of play in mobile payments. Mobile payments is one of those subjects that people have been talking about for ages, however the experience for most consumers is limited to shopping via apps or mobile websites, which is little different to […]
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