righthand-image-holderLyddon Consulting Services Limited

We are a blue-chip specialist consultancy in international banking, focusing on matters related to the core domain of Payments and Cash Management. That leads to market change aspects such as the Euro, how to implement a change of currency, Single Euro Payments Area, and new services such as Bank Payment Obligation, and SWIFT for Corporates.

It also leads into the regulatory domain and measures such as Payment Services Directive, Anti-Money Laundering Directives, and regulations around cards, mobile, eMoney and mandatory information in funds transfers.

At Lyddon Consulting you will find find both methodologies and training packages to meet your needs and support your change programmes.

Our response to the PSR Consultation CP21/10 on APP scams

January 12th, 2022|Comments Off on Our response to the PSR Consultation CP21/10 on APP scams

We have responded to the Payment Systems Regulator’s latest consultation on APP scams. Their proposals continue the same, failed direction-of-travel as hitherto. This problem could be solved, and completely, by legal changes that row back on EU […]

Invisible Eurozone liabilities require action by global financial regulators

December 13th, 2021|Comments Off on Invisible Eurozone liabilities require action by global financial regulators

TARGET2: scale of invisible Eurozone liabilities demands action by global financial regulators

We recently had a blog published by Politeia about the lack of transparency in the accounting for the debts of EU/Eurozone member states. The […]

Rising Debt, Greater Risk – The EU’s invisible accounting system

December 10th, 2021|Comments Off on Rising Debt, Greater Risk – The EU’s invisible accounting system

The Eurosystem’s balance sheet now shows that its assets of €12 trillion exceed the Eurozone’s 2020 GDP of €11.4 trillion. This is attributable to the emergency response to Covid by the European Central Bank (ECB), […]

Technical blog on the Eurozone’s Hidden Debt: A Dangerous legacy of EU governance – Politeia

September 23rd, 2021|Comments Off on Technical blog on the Eurozone’s Hidden Debt: A Dangerous legacy of EU governance – Politeia

You can DOWNLOAD HERE the technical blog that accompanies the Politeia article on extrapolating lessons for the Eurozone, UK and global banking systems from the proposed merger of UniCredit and Monta dei Paschi di Siena.

The […]

The Eurozone’s Hidden Debt: A Dangerous legacy of EU governance – Politeia

September 21st, 2021|Comments Off on The Eurozone’s Hidden Debt: A Dangerous legacy of EU governance – Politeia

As Italy’s oldest bank is poised to merge with its second largest, Bob Lyddon considers the failure of Eurozone governance and its potential consequences –   from which the UK is not immune

The UK-EU Withdrawal Agreement […]

Architect of Test and Trace turns to reorganising UK’s payment systems

August 4th, 2021|Comments Off on Architect of Test and Trace turns to reorganising UK’s payment systems

This article as it appeared on CommentCentral on 4 August 2021

A certain David Pitt, fresh from his triumphs as Chief
Operating Officer of Test and Trace, has been appointed as Chief Executive
Officer of Pay.UK, the company […]

Unicredit capital position before merger with Monte dei Paschi di Siena

August 1st, 2021|Comments Off on Unicredit capital position before merger with Monte dei Paschi di Siena

It looks likely that Unicredit will be entering into a shotgun wedding with Mone dei Paschi di Siena (MPS). Unicredit will be compelled by the Italian political and monetary authorities to act as a White […]

UK’s New Payments Architecture now to be a bungalow

July 30th, 2021|Comments Off on UK’s New Payments Architecture now to be a bungalow

Title page of PSR’s latest emission on the scope and tendering process for NPA

What started out as a Temple of Solomon to revolutionise the UK’s payment systems will now be reduced to a more manageable […]

No-one can know the size of the Brexit divorce bill, and it won’t be finalised until 2028, or for decades after that

July 20th, 2021|Comments Off on No-one can know the size of the Brexit divorce bill, and it won’t be finalised until 2028, or for decades after that

Two of the key patagraphs in the Withdrawal Treaty itself

What are HM Treasury and the EU playing at? Their dispute rumbles on over whether the Brexit divorce bill is the EU’s estimate of £41bn or […]