Steve Haley

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Director of Market Development and Partnerships

Mojaloop Foundation

Member since

16 Feb 2023

Location

Wakefield

Latest opinions

The Evolution of National Payment Systems and the Rise of Digital Sovereignty

Countries are increasingly modernizing their national payment systems to include the 1.4 billion underserved individuals within the digital economy, particularly those who rely on mobile phones and have limited access to traditional bank branches. Integrating unbanked and underbanked citizens into the digital economy allows central banks in emergi...

01 July 2024

A Vision for Low-cost Cross Border Payments

Note: This post was drafted in collaboration with Mojaloop Community members. There is a global effort to reduce cross-border remittance costs to no more than 5% for any corridor and no more than 3% for most (SDG 10.c and G20 Roadmap targets). We have a long way to go to get there – and we hope the final fees are actually lower. These important go...

24 October 2023 Financial Inclusion

What is an Inclusive and Instant Payment System (IIPS)?

What’s in a Name? RTP vs RTRP vs IPS vs Faster Payments One of the fun things about working on a global trend is watching the alphabet soup of acronyms and buzzwords diverge and converge. The US and UK are largely still using the term “faster payments,” and you hear that from international financial institutions like the World Bank. The rest of the...

25 August 2023 Financial Inclusion

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Latest comments

One-in-three consumers falling victim to APP fraud - Visa

Agree with above. Its important data but I would want to see how the online survey was done. If an email went out that said "please take this survey about APP fraud", its probably not a representative sample:

1. if I've been scammed, I'm probably more likely to click on the link.

2. If I click on random survey links, I'm probably more likely to be scammed :)

02 Feb 2024 05:59 Read comment

Real-Time Payments in the Regulatory Landscape

Cryptographic immutability (blockchain based or not) is essential as real time payments become integrated into our daily (hourly even) lives. It needs to become standard.

22 Dec 2023 06:10 Read comment

UK payments watchdog proposes cap on interchange fees

"increase in 150-200m GBP" - yes clamp down on fees but also invest half that much in public utilities that give small businesses an alternatives - including cross border merchant payments. (and acknowledge that acquiring banks prefer profit sharing with card schemes over public utilities...)

14 Dec 2023 04:30 Read comment

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