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Articles by Jess Gerrow
Insight: What do we know about consumer appetite for A2A payments?
It has been well-documented that traditional payment methods such as cards and cash-on-delivery are in decline. And, as they lose market share, Open Banking payments are taking off across the UK and Europe and are now predicted to account for $87 billion of Europe’s transaction volume by 2026. At Token.io, we have long championed Open Banking enabled account-to-account (A2A) payments – not simply as an alternative to card payments but as a genuine threat.
How a Regulated Liabilities Network Could Solve the Cashless Dilemma
Central bank digital currencies (CBDC) are often mentioned as a key motivation for the rise of a cashless society.
Optimising payment collections for prime vs subprime borrowers
In addition to the obvious differences in the quality of their credit histories, navigating the payments landscape for prime vs subprime borrowers can look starkly differently from a lender’s perspective. Not only are subprime borrowers viewed as higher risk for defaulting on payments, but they are also subject to further constraints related to payment authorisation, collection attempts and the handling of defaulted debt.
Open banking has a branding problem
Open banking has a branding problem, and I’m not talking about logos or websites. I’m talking about branding as a promise, or (as Michael Beirut, partner of design firm Pentagram, puts it) branding as “a world of associations that have accrued over time.” Four years after it was officially “born,” open banking is often associated with data first and payments second. And that’s a problem because payments are the most promising open banking opportunity. How did we get here?
Token | Open banking payments
We are delighted to be Headline Partners of the 2021 Open Banking Expo UK! On 4 November, leaders and experts from across financial services, including the UK’s largest banks, fintechs, credit card and payments providers, business lenders and regulators, will convene at London’s Business Design Centre.
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