Author Archives: killianclifford

You want innovation in digital financial services? Speak to the regulators

Crisis There is a crisis brewing in Digital Financial Services. That was the message at least coming from last week’s intriguing get-together of the Financial Inclusion Forum  at Citibank’s London HQ. At that session financial inclusion specialists MicroSave presented data … Continue reading

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PSD2, why the confusion? Oh, that’s why!

PSD2 [This post begins a series of blogs which will examine in detail the effect of the EU’s new payment service directive (aka PSD2) from both a technical regulatory and business opportunity perspective. It was originally posted on our sister … Continue reading

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UK Life and Pensions Sector – Digital Wish List for 2015

In April 2014 George Osborne’s budget set off shockwaves throughout the UK’s life and pensions sector. With the swipe of a pen he removed the requirement that pension policyholders be required to invest in an annuity upon reaching 65, and … Continue reading

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Is the UK payments market about to fundamentally change?

Is the UK payments space about to undergo a revolution? That is now a distinct possibility with this week’s announcement from the European Commission (EC) of its new payments service directive (PSD2) and a regulatory proposal to cap interchange fees … Continue reading

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Brewers to take Advantage of Mobile Payments?

In my previous post we highlighted the opportunity that an increasingly prosperous Africa presents for fast moving consumer goods companies (FMCGs). This opportunity is particularly big for the brewing industry. Africa’s beer market is already relatively large – estimated to … Continue reading

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