John Bertrand

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Tec 8 Limited

Member since

03 Apr 2020

Location

London

Bio

Working with large banks and FinTech companies to provide banking with business solutions for the digital age across transactional banking. Covered many aspects of banking including FX, MM, payments, real time activities including liquidity. Holistic reviews of cash management for bank and client, both retail and business, direct corporate ERP bank linkages and Open Banking/PSD2. (Please see 'A Step by Step Approach' to Open Banking and You'. (www.amazon.co.uk). Includes the new technologies (Blockchain), digital money (cyber currencies) and security against cyber-crime.

Experience

Summary

Extensive expertise and management in banking and technology, from both bank and IT supplier experience: Citi, Misys (Finastra), FIS global, SAP and Cognizant.

Latest opinions

Bank Fraud is Colossus: what can we do?

Bank Fraud was examined in clinical detail at LexisNexis ‘Trust:Live 2024 Conference. Fraud represents 49% of UK Crime. No one knows how many scammers are out there. The scale of scam messages, over 1 billion sent over the telecom networks this year, suggests a significant number of digital fraudsters. The Dedicated Card & Payment Crime Unit ...

27 June 2024 Artificial Intelligence and Financial Services

Greetings from New York City, where you can save money by paying in cash.

Watching a televised rugby game, Leinster playing Northampton, at an Irish pub, The Long Hall, NYC, the bill if paid in cash would be discounted. On $100, savings could have been $3.00. Incentives, in the US cash are plentiful, for example, the price of gas (petrol) is lower at the pump when cash is used. Also, at the point of payment, the cust...

12 May 2024 The Payments Business

Global Instant Payments - the next big thing

Answering the question “what is the next big thing” well it is Global Instant Payments. The importance of this is ‘Elon Musk’s X now has a Money Transmitter License in 25 US States and the goal is a self-contained financial ecosystem within the X platform. Musk was behind PayPal ranked second in a report of 10 Best Online Payment 2024. While more...

01 May 2024 The future of Payments in Europe

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Latest comments

Future of Payment Review – who will pay?

Ketharaman - good long term positioning for the big American companies as India's international instant payments grow, where payment and FX fees are allowed, revenues will flow.

29 Apr 2024 13:07 Read comment

Accelerating the use of Instant Payments

Ketharaman - reimbursement details are being finalised by the PSR for the UK for consumers and SMEs. Larger companies where revenues exceed £5 million per year are excluded. EU is adding CoP mandates in 2024 so we’ll have to see how euro reimbursements are addressed.

04 Oct 2023 11:00 Read comment

Accelerating the use of Instant Payments

Ketharaman - as an estimate for APP scams of 0.1% compared to what a what third party cheque cashing business is experiencing is optimistic. That is APP scams will be higher based on experience and the weaknessess within the current payment flow.

It is highly likely the APP scam rate will be higher greater and probably greater than 0.2%.

Yes something further needs to be done to prevent misdirected and scam instant payments.

03 Oct 2023 17:25 Read comment

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