Thursday, May 09, 2019

FATF and EU need to fundamentally rethink their approach to virtual assets/currencies...

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Virtual currencies are on the radar of regulators for quite some time. Yet it is clear that they still struggle with definitions (which al...
Tuesday, January 08, 2019

So what's up with the Google-licenses

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Last weeks, we hear all kinds of stories on the Google-license, so let's have a closer look. Google already has a license since 2007 ...
Friday, March 23, 2018

EC gives open banking to bigtech via PSD-2 and Apple closes its doors to banks in return ?

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Just the other day I attended a session of the Dutch Foreign Bankers Association, all about Fintech disruption and innovation. Guest speaker...
Monday, February 12, 2018

Retailer Albert Heijn demonstrating innovation and making payments the afterthought it is

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Three years ago, when we were all pondering the impact of PSD2 on the payments market, I was challenged to outline where I believed the inno...
Sunday, January 14, 2018

PSD2, interchange fee and surcharging: lessons from history

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Now that we have the second Payment Services Directive going live in a couple of jurisdictions, the news media are reporting on one of its p...
Friday, January 12, 2018

Why Bitcoin Core and Bitcoin cash both make sense !

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The other day I was reading a n excellent blog by Vinny Lingham on the differences between Bitcoin Core and Bitcoin Cash . What I appreciate...
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...