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So far Bob has created 222 blog entries.

Digital payment failures – failed access to cash

Published on 8th January 2023

Our recent research paper on Britcoin examined several of the failures in the digital payments industry that have gone unresolved.

The paper is entitled ‘CAPTURE – BigTech and Digital Payment Giants dominate the committees evaluating the replacement of physical cash with ‘Britcoin’ – a UK ‘Central Bank Digital Currency’’.You can find a click-through to the full paper here:http://www.lyddonconsulting.com/capture-a-major-new-paper-on-the-committees-considering-a-uk-central-bank-digital-currency/

There has been much […]

Failures of Fintech – ‘predatory inclusion’ and pandering to contemporary mood music

Published on 6th January 2023

Our recent research paper on Britcoin examined several of the failures in the Fintech digital payments industry that have gone unresolved.

The paper is entitled ‘CAPTURE – BigTech and Digital Payment Giants dominate the committees evaluating the replacement of physical cash with ‘Britcoin’ – a UK ‘Central Bank Digital Currency’’.

You can find a click-through to the full paper here:http://www.lyddonconsulting.com/capture-a-major-new-paper-on-the-committees-considering-a-uk-central-bank-digital-currency/

Fintech has gone […]

Failures of Fintech – safety of ‘safeguarding’

Published on 5th January 2023

Our recent research paper on Britcoin examined several of the failures in the Fintech digital payments industry that have gone unresolved.

The paper is entitled ‘CAPTURE – BigTech and Digital Payment Giants dominate the committees evaluating the replacement of physical cash with ‘Britcoin’ – a UK ‘Central Bank Digital Currency’’.

You can find a click-through to the full paper here:http://www.lyddonconsulting.com/capture-a-major-new-paper-on-the-committees-considering-a-uk-central-bank-digital-currency/

Client funds held […]

Failures of Fintech – accounting and legal basis of ‘safeguarding’

Published on 4th January 2023

Our recent research paper on Britcoin examined several of the failures in the Fintech digital payments industry that have gone unresolved.

The paper is entitled ‘CAPTURE – BigTech and Digital Payment Giants dominate the committees evaluating the replacement of physical cash with ‘Britcoin’ – a UK ‘Central Bank Digital Currency’’.You can find a click-through to the full paper here:http://www.lyddonconsulting.com/capture-a-major-new-paper-on-the-committees-considering-a-uk-central-bank-digital-currency/

Electronic Money Institutions […]

Failures of Fintech – Open Banking and Authorised Push Payment Fraud

Published on 3rd January 2023

Our recent research paper on Britcoin examined several of the failures in the Fintech digital payments industry that have gone unresolved.

The paper is entitled ‘CAPTURE – BigTech and Digital Payment Giants dominate the committees evaluating the replacement of physical cash with ‘Britcoin’ – a UK ‘Central Bank Digital Currency’’.You can find a click-through to the full paper here:http://www.lyddonconsulting.com/capture-a-major-new-paper-on-the-committees-considering-a-uk-central-bank-digital-currency/

A major Fintech […]

Liability-Driven Investments crisis shows derivatives remain a systemic risk

Published on 17 December 2022

Introduction

At the end of September 2022 a number of UK companies’ pension plans reportedly came close to collapse. This was to do with a financial instrument called a Liability-Driven Investment or LDI, which is a form of derivative contract.

The explanations given for what occurred have ranged from ill-informed to denial to […]

Plans for a UK-crypto, just when real crypto is dying, show a coup d’état has occurred

Published on 6 December 2022

Introduction

Plans to introduce Britcoin, a UK Central Bank Digital Currency or CBDC, must continue apace, according to the nation’s second-in-command, Deputy Governor Sir Jon Cunliffe from the Bank of England. The awkward death of real crypto cannot be permitted to upset the Bank’s applecart, and reality and the opinions of the […]

FTX could be ‘game over’ for Central Bank Digital Currency, and for other dominos: Fintech, Open Banking, the Great Re-set et al

As first published by IREF on www.irefeurope.org as an Online Article on 23rd November 2022:

Published on 2 December 2022

Introduction

Up until recently the proponents of the cluster of financial developments around the Great Re-Set, Decentralized Finance, Central Bank Digital Currency, Financial Inclusion, Fintech, Open Banking et al have had things very much their own way: forming […]

Commercial banks do not create money

Published on 28 November 2022

Our refutation of a commonly-held misconception that commercial banks create the money with which to make a loan.

It was drafted to advise a UK Member of Parliament in March 2022.

You can download it here