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

Personalising your cards

Personalising your cards

Written by on February 3, 2014 in BillingViews, Guest Blog with 5 Comments

Payments guru Dave Birch recently commented on his frustrations at receiving new credit cards that still have magnetic stripes, embossed numbers and names on them – all throwbacks to old technology. These features are still present to keep compatibility with non Chip and PIN use (e.g. USA) and manual ‘zip zap’ transactions. As Dave correctly points […]

Continue Reading

Consumer choice in banking

Consumer choice in banking

Written by on January 27, 2014 in BillingViews, Guest Blog with 0 Comments

Last week the news was full of comments from a certain politician about UK banks being forced to reduce their market share by selling branches. However this idea sadly misses the point about how best to increase competition in the banking market. If the banks are forced to dispose of branches they will likely want […]

Continue Reading

Will consumers Zapp?

Will consumers Zapp?

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

This week Zapp announced the confirmed support from five UK banks and building societies  – HSBC, First Direct, Metro Bank, Santander, Nationwide. I’ve been following Zapp for a while now and this support from leading UK banks takes it beyond the concept stage and starts to make it a reality. Zapp will allow consumers to pay in store or […]

Continue Reading

Can we rely on just one financial services provider?

Can we rely on just one financial services provider?

Written by on December 10, 2013 in BillingViews, Guest Blog with 0 Comments

Yesterday as I was thinking about the RBS NatWest systems disaster and what it meant for their customers who were financially embarrassed when their cards were declined, I saw that my colleague Alex Leslie had posted an article on the catastrophe. Alex is dead right when he talks about ‘If technology is the infrastructure of […]

Continue Reading

What do I want from my bank?

What do I want from my bank?

Written by on November 22, 2013 in BillingViews, Guest Blog with 0 Comments

Normally I write about something new that’s happening in payments but today I’m writing about something that isn’t happening! The other day I was thinking about what I want from a bank. The banks we have in the UK today are little changed from the model that has existed for decades; fundamentally it is branch […]

Continue Reading

What do you do with your passwords?

What do you do with your passwords?

Written by on October 15, 2013 in BillingViews, Guest Blog with 3 Comments

Something that affects all of us in both our business and personal lives is password security. As we do more and more online, especially in the payments space, we have to remember an increasing number of passwords. It seems like every week there is another website security breach (and I always wonder about the ones […]

Continue Reading

Does your Payment System Solve a Problem?

Does your Payment System Solve a Problem?

Written by on September 10, 2013 in BillingViews, Guest Blog with 0 Comments

It’s an exciting time to be working in payments. The market is experiencing a plethora of new providers; some will succeed, some will be acquired, some will sink without trace. But what determines who will be successful? New payment systems that succeed are ones that do it better than what went before or solve a […]

Continue Reading

Digital Proposition? Please Don’t Rely on Analogue Fallback

Digital Proposition? Please Don’t Rely on Analogue Fallback

Written by on August 15, 2013 in BillingViews, Guest Blog with 0 Comments

My top digital anathema is when the digital world falls back on the analogue world because the digital process is broken. I recently experienced an example of this with Barclays Pingit on my iPhone. I’ve always had a bit of a soft spot for Barclays, maybe because I worked for them briefly many years ago, […]

Continue Reading

mPOS and the Changing Face of Card Payments

mPOS and the Changing Face of Card Payments

Written by on July 26, 2013 in BillingViews, Guest Blog with 0 Comments

Mobile point of sale (mPOS) card payments has the potential to create massive disruption both in the High Street and in other places where cash has been the only method of payment. It makes card payments available to retailers and small traders who previously couldn’t justify the expense of a Chip and PIN machine from […]

Continue Reading

I’ve Seen the Future of Contactless Payments, It’s not NFC (and it works)

I’ve Seen the Future of Contactless Payments, It’s not NFC (and it works)

Written by on July 5, 2013 in BillingViews, Guest Blog with 0 Comments

When people talk about contactless payments they usually mean contactless EMV (Europay, MasterCard, Visa) card payments or NFC (near field communication) payments using a mobile device. Contactless card payments have been in the news recently amid reports of double charging or the wrong card being charged. I have enough trouble getting the correct card to […]

Continue Reading

Top