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Articles by Nick Raper
Stepping up to leadership in public health
Stepping up into a leadership role takes persistence, self-belief, and a strategic mindset. At our recent Step Up to Director of Public Health webinar, public health leaders shared their experiences, challenges, and strategies for taking on senior leadership roles. The webinar featured insights from Siobhan Farmer, director of public health at Gloucestershire CC, and Stephen Gunther, corporate director of public health at Stoke-on-Trent City Council.
We need action to tackle the imminent public health workforce shortages
By Nick Raper | 15 December 2021 In the last 18 months, we have seen real challenges in recruitment and retention across the public sector. These have been particularly stark in our local and national public health teams, with the widening health and social care workforce talent gap experienced everywhere.
The final frontier in open banking payments
OpinionDigital Banking Open banking-based payments have not yet emerged as a truly competitive alternative to mainstream methods such as credit cards but change might be starting, writes Nick Raper, Director at Nuapay UK Image source: Photo by Ricky Gálvez from Pexels As it stands, few consumers truly understand the full scope of what open banking offers. Yet, this shouldn’t be a concern if the services and benefits of open banking are made accessible to end-users.
4-step roadmap towards more customer centricity in the Credits domain
"It’s about me, here and now" can be considered as the catch phrase for customer centricity. In the banking industry this means providing financial services 24/7 via any channel (including third party apps via embedded banking) and as personalized as possible. However, in reality many banks are still organized in a product-centric way.
Latest Trends to watch out for in Proximity Payments
As the popularity of card and mobile-based proximity payments has increased, so has the POS infrastructure. Between 2015 and 2019, the POS installed base grew from 47 million to 137 million units, and should keep expanding as Covid-19 pandemic bolstered contactless transactions. In particular the percentage of mobile POS (mPOS) among total payment terminals shipments rose from 21% to 48%, with a six-fold increase in the number of units deployed per year.
Scamdemic: Payor Payments goes #1 in Fraud: 300% increase since 2015
APP (Authorised Push Payments) and taking control of bank accounts are 54% of the £1.26 billion fraud in 2021. Given the sheer volume of scams being generated, 70% of people with mobile phones have receive a text message claiming to be, for example, from Royal Mail requesting a small payment for parcel delivery. These scams, as they expand, could make 2021 a bumper year for people being conned. Available and inexpensive technology is enabling millions of scams to be sent by any wannabe fraudster.
Looking to the West: the global real-time payments opportunity
By Nick Raper, Director at Nuapay UK Open Banking is a buzzword used almost as often as ‘challenger banks’ or ‘bitcoin’. And much like the rise of cryptocurrencies, few consumers truly understand the full scope of what Open Banking offers. Arguably, though, that’s not a concern if the services and benefits of using Open Banking are made readily available to end-users. And that is exactly what we’ve been seeing in the UK of late.
Lessons learnt: What financial technologies will survive post-COVID?
The pandemic has caused a sea of change in the adoption of technology amongst those in the financial sector. Established banks and financial institutions have opened their eyes to the benefits of innovations such as AI and chatbots. This has enabled them to automate their services and make themselves more efficient when they needed it most.
What is the future role of directors of public health?
By Nick Raper | 14 April 2021 As the COVID-19 pandemic has gripped the nation, the profile of directors of public health (DPH) has risen massively. So what does the role look like now?
Has COVID-19 created a new dawn for alternative payment?
Over the past 12 months, the world has seen a dramatic shift in the way consumers shop and pay. COVID-19 saw spend move rapidly online as some consumers were forced into lockdown, while those still out and about sought to avoid traditional payment methods, such as cash and even cards, due to fears of virus transference.
QR Codes: will COVID-19 be the great global equaliser?
Digital payments are growing the world over. In the UK in particular, we have seen a shift away from traditional payment methods such as cash. This has been accelerated by restrictions to visiting physical stores due to COVID-19 and consumers’ concerns around virus transmission from coins and notes. As a result, new digital payment methods are increasing in popularity, and the trend shows no signs of slowing.
Subscriptions are shaping the payments landscape as we know it
By Nick Raper, Head of UK at Nuapay Subscriptions are a rapidly increasing trend in today’s payments landscape, particularly since the pandemic began restricting consumers’ access to physical stores. Nuapay’s clients are testament to this, with some video streaming services using Nuapay’s payment solutions seeing a 25% jump in subscriptions in March 2020 alone.
A brave new world post COVID-19
By Nick Raper | 21 April 2020 The challenges facing public health professionals in local government, at Public Health England and the NHS were already huge for 2020. Inequalities and ‘the health gap’, prevention and mental health were all top priorities at the beginning of the year, but sweeping aside all this is an emergency the UN has called ‘the worst crisis since World War Two’. One thing is certain, COVID-19 will have implications for many years to come.
Open Banking: Learning Lessons from Asia
With the implementation of PSD2 in Europe, Open Banking payment solutions are starting to be rolled out across the UK and Europe. But while the core Open Banking payment solutions are live, there is a long way to go until we see the widespread adoption of Open Banking as a payment method, particularly with use cases outside the e-Commerce environment.
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