Microsoft Perspectives on Payments and Core Banking in Financial Services
Thoughts, comments, news and reflections about payments and core banking from a subject matter expert from Microsoft’s Financial Services Team - Colin Kerr, Worldwide Industry Manager for Payments and Core Banking.
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Microsoft Perspectives on Payments and Core Banking in Financial Services
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Payments is an Information Business
In my teens, I remember TV commercials for Yellow Pages in the UK. The publication would list local retailers by category, and then you could call to see if the retailer had the item in stock. Maybe if they were a ‘nice retailer’ they would but the item aside for you (a boy wanting a new...
12 Mar 2013
Mobile Payments & Digital Wallets - An Offer You Can't Refuse..
Over the past few ye ars much of the innovation in payments has centered on the consumer experience with the mobile handset for purchases at point of sale (POS). NFC payments is the topic du jour in many countries. Mobile network operators through consortia like ISIS are driving an amount of buzz in...
21 Feb 2013
Microsoft 4Afrika - and the Future of Cloud Financial Services in Africa
This week Microsoft announced its 4Afrika initiative. This is a new effort through which the company will actively engage in Africa’s economic development to improve its global competitiveness. By 2016, the 4Afrika Initiative plans to help place tens of millions of smart devices in the hands of...
7 Feb 2013
SEPA Compliance - The end of the beginning or the beginning of the end?
Another key solution provider that Microsoft is proud to partner with at Sibos is Experian Payments, a leading provider of payments solutions for the European market. To provide some more insight to Experian, their solutions and what to expect at Sibos I invited Jonathan Williams of Experian Payments...
29 Oct 2012
Banking Sustainability on the Eve of Sibos 2012
Kon nichi wa Osaka. After a missed connection on the way from Chicago, I finally checked into the hotel at midnight, thankful my luggage also survived the trip. As a wet drizzle blankets Osaka on Sunday morning the Microsoft team is making our final preparations, and it gives me a chance for a blog post...
27 Oct 2012
Payments Transformation Across Asia
Microsoft has many high profile technology solutions partners exhibiting at Sibos this year. Decillion Group, a leading provider of SWIFT and high value payments solutions across Asia, was one of the first Microsoft partners to develop payments solutions on BizTalk and the Accelerator for SWIFT. To provide...
23 Oct 2012
Sibos 2012 - Looking Toward Osaka
With only about six weeks to go before the doors of Sibos 2012 open in Osaka, Japan - I thought I'd take this opportunity to give a brief overview of Microsoft's presence there. As a SWIFT Key Partner we've been an exhibitor at Sibos for 9 years now, essentially since the BizTalk Accelerator for SWIFT...
13 Sep 2012
Countdown to Sibos 2011 Toronto
I hope those of you in the northern hemisphere enjoyed your summer and took time out to be with friends and family. Now the summer is drawing to and end, the kids are back at school, and that means one other thing: Sibos is right around the corner. Just 3 weeks to be precise! Microsoft financial services...
26 Aug 2011
Mobile Payments and Corporate Social Responsibility
As the debate about digital wallets and mobile payment models rages in the US, many point to the very successful mobile schemes in markets such as Africa as proof positive that a mobile payments infrastructure can be sustained as a viable model. M-PESA in Kenya is perhaps the flagship model, now with...
7 Jun 2011
Abolishing Checks (Cheques)
Those of you who know me have heard that I am passionate about the game of hockey (the variety played on ice rather than grass). The NHL playoffs have just started and so this is my favorite time of year. It's a fast-paced game and it takes physical and mental stamina to win four best-of-seven series...
22 Apr 2011
Mobile 'Banking' and BI - Enhancing Operational Productivity
Hardly a day goes by without some new innovation in mobile payments or mobile banking being announced. It’s hardly surprising, as ‘consumers in control’ are demanding banks provide services that meet the capabilities of mobile devices. But the other thing one notices is the almost complete...
14 Apr 2011
The end of cash for payments? Not so fast!
Picking up on my recent threads about mobile payments as a form factor ( NFC Payments - Build It and They Will Come? ), and with the current state of market buzz around mobile and alternative payments, I am certainly a strong proponent for advancing innovative payment methods for wholesale and consumer...
18 Mar 2011
NFC Payments - Build It and They Will Come?
What is a Mobile Payment Anyway? A somewhat rhetorical question, but every day there are new startups, alliances and technology announcements about the next generation of mobile payments: most recently, NFC enabled phones. The problem with mobile payments is that everyone has a different definition of...
4 Feb 2011
India and the Race to Financial Inclusion
I just returned from my annual trip to visit partners and customers in India. In one year I could see quite a difference in the infrastructure developments, but also how the pace has picked up in developing new banking services. The economy is expanding rapidly on an annual basis (8.9% in 2010), and...
15 Dec 2010
Global Adoption of ISO20022. Is it possible?
It is easy to think of ISO20022 as a Europe-only set of message definitions because of the machinations around SEPA, and so the broader value of ISO20022 and its global applicability can be lost when it is viewed only as a SEPA issue. At Sibos 2010 I was delighted to participate in a panel discussion...
15 Nov 2010
Innovation at Sibos: “Mobilization” of Transaction Workflows with Luup
There are two areas of corporate payments innovation that I expect to receive more attention at Sibos this year. First is e-invoicing, a process that is gaining considerable momentum as companies seek to further digitize the financial supply chain. The second is the adoption of mobile devices for treasury...
12 Oct 2010
Stimulus for Road Construction? How about Payments!
Living in the Chicago area, I've spent my fair share of time in traffic congestion trying to get to the airport. (Anyone familiar with Chicago ORD will also know that finding a plane that leaves on time is another challenge - but that's a different story). Chicago is known for having only two seasons...
17 Sep 2010
SEPA: The Future is Integration Management
It’s not quite so fashionable to talk about SEPA these days. After all – aren’t we all wishing the rules and solutions were are all defined and implemented? But there’s still a fundamental challenge that banks (and corporate treasuries) face: integration among both legacy formats...
26 Jul 2010
SWIFT, Cloud Data, and Sibos
Closing the Door on Data Privacy? After 3 some three years, the EU Parliament has approved the Terrorist Finance Tracking Program ( TFTP ) which outlined the rules for investigation into suspicious payments that may have been exchanged between banks via the SWIFT network. Hopefully the final chapter...
9 Jul 2010
Jump Starting Payments Integration
The topic of payments system integration has in the past usually dwelled on topics such as real time or batch requirements, message queue interfaces and of course, support for payment standards. All these of course are very important in any payments integration project, whether to support implementation...
15 Mar 2010
Payments in India are of National Importance…..
Last month I had a whirlwind tour of 3 cities in India in 5 days, and had the privilege to visit several major financial institutions to talk about payments. It's a fascinating country, ranked second to China in population with over 1.1 billion people. Much is written about the growth of the middle class...
8 Jan 2010
A commonly asked question is if payments are a product or a commodity? I firmly believe the answer is that they are actual both. The traditional way of defining and processing payments has become very much commoditized. Facilitated by the homogenization of payment standards, particularly in Europe (and...
23 Dec 2009
Welcome to the Microsoft Payments Community
Hello and welcome from Microsoft’s worldwide financial services group. In this blog, I will share my thoughts and insights into the payments industry, and the challenges banks face in renewing their core platforms. Many people ask me, “why the interest in payments systems?” Quite honestly, it’s an easy...
10 Dec 2009
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