Wednesday, June 21, 2017

Adyen: the new bank is not a bank any more

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Source: City Archive Amsterdam Dutch bank registers show that, since the end of April this year, Dutch payment institution Adyen has o...
Thursday, June 08, 2017

Response to FCA consultation: please clarify what will happen to the payment in 'payment instrument' in article 3k?

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This April, the FCA launched its consultation on the Implementation of the revisedPayment Services Directive(PSD2): draft Approach Documenta...
Monday, January 30, 2017

From DNB Coin to ECB Coin...?

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About a year ago, it became clear that the Dutch central bank, much like other central banks, was actively experimenting with blockchain tec...
Tuesday, November 15, 2016

Facebook obtained its e-money license : is it the gamechanger for the bigtech disruption of finance ?

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About three weeks ago, Facebook has obtained it's  e-money license  in Ireland. This was in the making since  early 2014  and it begs t...
Friday, June 24, 2016

The DAO - Ethereum incident: if you can't stand the heat, stay out of the kitchen !

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Ok, I admit: I may be a payments or banking dinosaur and an old school kind of guy. I have personally witnessed the emergence of new payment...
Thursday, March 24, 2016

'DNBcoin': the Dutch central bank experiment with a blockchain-based coin

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Today, the Dutch central bank published its Annual Report . This coincided with the death of our most famous soccer player, Johan Cruyff, ...
Friday, January 08, 2016

A new FAQ for PSD2 would be very useful to harmonise interpretations across Europe

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Summary The second Payment Services Directive, published end of December last year, is an important and welcome next in the further integ...
Thursday, December 10, 2015

Satoshi rumours reminds me of being John Malkovich

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These days, there's a rumour going around  that an Australian guy would actually be Satoshi, the inventor of bitcoin. Next morning, this...
Thursday, October 08, 2015

Now that the voting on the PSD is done, the real work starts...

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The second Payments Services Directive, also known as PSD2, will be officially established today. In the plenary session discussion yesterda...
Wednesday, March 04, 2015

ECBs renewed virtual currencies report: implications for the Third Payment Services Directive

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This week the European Central Bank (ECB) revisits the subject of virtual currencies (VCS)  in a renewed virtual currencies report with a fu...
Tuesday, January 06, 2015

Reflection on almost 100 years of retail payments in the Netherlands

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These next few days we will be processing the last Chipknip transactions in the Netherlands. This marks the end of a period of almost hundr...
Wednesday, November 26, 2014

Where and how to look for innovation in payments ?

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This week I had the pleasure of joining a panel on retail payments innovation as a part of a seminar by van Doorne and Innopay on the Paymen...
Friday, September 26, 2014

Lawsuit in the Netherlands on Bitcoin as 'money' or 'current money'

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Since May this year, there is an interesting discussion here in the Netherlands on the legal status of Bitcoin as money. First law suit ...
Saturday, June 14, 2014

EBA concerned about anonimity and security for bitcoin

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From May 15th until May 17th, the Bitcoin 2014 conference took place in Amsterdam. One of the break-out sessions was dedicated to the topic...
Tuesday, June 03, 2014

Dutch central bank will strictly supervise banks / payment institutions that deal with virtual currencies (and companies)

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Just one hour ago DNB, the Dutch central bank and bank supervisor, issued a warning on bitcoin . It was not the regular warning or disclaime...
Wednesday, May 28, 2014

The Euro Retail Payments Board: first meeting and outlook

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On Friday, the 16 th of May, the Euro Retail Payments Board (ERPB) held its first meeting (with this  agenda ) in Frankfurt. The ERPB is ...