Monday, December 04, 2017

Cryptocurrencies, initial coin offerings (ICO's) and tokens: we remain puppets on someone else's strings !

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Screenshot www.flippening.watch  Now that the bitcoin price is heading towards $10K and beyond, we see another wave of interest in the c...
Sunday, November 12, 2017

Why some countries started using cheques and others chose giro

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These days I am busy writing a book on the history of Dutch retail payments. The focus of the book is on the dynamics of the Netherlands, wi...
Tuesday, October 17, 2017

DAO-fork at odds with Ethereum terms and conditions

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Last month, Antonio Madeire nicely summarized the discussion on the DAO-hack and the fork which brought Ethereum classic into being . I re...
Thursday, September 21, 2017

Ceci n'est pas une 'payment instrument': a reflection on fuel cards and the PSD2

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In september this year, the FCA published its policy statement and approach document on the PSD2 . I've been eagerly watching this docum...
Tuesday, August 01, 2017

Dutch central bank can further encourage innovation for payment institutions with a quick win

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Article 18.2 in PSD2 (Article 15 in PSD1) on the nature of funds  in a payment account of a payment institution It's a logic...
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...