righthand-image-holderLyddon Consulting

Lyddon Consulting is the trading-as identity of Bob Lyddon, a specialist consultant in international banking. Up until March 2022 the business was run through a limited liability company. Bob’s focus is Payments and Cash Management. That leads on to market change aspects such as the Euro, Single Euro Payments Area, FinTechs, ISO20022 XML and new payment mechanisms.

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.

Open Banking – a classic example of a ‘state-directed’ activity which is not an ‘industry’

February 3rd, 2025|Comments Off on Open Banking – a classic example of a ‘state-directed’ activity which is not an ‘industry’

Open Banking’s activity statement Introduction Vyne has folded its tents in the UK, or rather it has closed its Open Banking portal, apparently one offering a top customer experience and with traction into a large customer base: https://www.linkedin.com/pulse/vynes-withdrawal-uk-open-banking-supplier-proves-dead-bob-lyddon-6xk3e This […]

We need a proper Brexit In/Out referendum

February 3rd, 2025|Comments Off on We need a proper Brexit In/Out referendum

The Brexit Papers

Publication date – 3rd February 2025

The UK now needs another Brexit referendum, otherwise we are going to go around this thing for 50 years and tear ourselves apart.

In the years since the 2106 referendum it […]

No need for a Brexit re-set: Reeves plans to drown us in debt just like the EU

February 2nd, 2025|Comments Off on No need for a Brexit re-set: Reeves plans to drown us in debt just like the EU

Introduction

Rachel Reeves is planning to ‘boost growth’ through mechanisms that owe their genesis to Private Finance Initiative and the EU approach, known as InvestEU. These are high-cost schemes funded with expensive debt, and which result […]

The Office for National Statistics should add ‘Bank of England’ on to the national debt, not deduct it

January 28th, 2025|Comments Off on The Office for National Statistics should add ‘Bank of England’ on to the national debt, not deduct it

ONS headline page for October 2024 analysis of the UK’s public finances

Lyddon Consulting has just issued a paper about the £200 billion deduction that the Office for National Statistics (ONS) makes to the national debt […]

The Bank of England’s new bailout facility is a testament to their epic bungling since the Global Financial Crisis

December 15th, 2024|Comments Off on The Bank of England’s new bailout facility is a testament to their epic bungling since the Global Financial Crisis

Deputy Governor’s speech positioning the new bailout facility

The Bank of England (the Bank) has designed a so-called ‘Contingent Non-Bank Financial Institution Repurchase Agreement Facility’ (CNRF).

It is a bailout facility for Non-Bank Financial Institutions, and two […]

Seven Freebies from the Bank of England to their new best buddies – Labour – and one frustration

November 27th, 2024|Comments Off on Seven Freebies from the Bank of England to their new best buddies – Labour – and one frustration

A message from the other side – alt-reality

Introduction

The Bank of England (‘the Bank’) has given Labour seven free gifts during its first five months in office.

This is not surprising as the Bank pursued Labour monetary […]

Rt Hon Rachel Reeves’ CV may have been correct after all, or at least some of it

November 20th, 2024|Comments Off on Rt Hon Rachel Reeves’ CV may have been correct after all, or at least some of it

Header of Rachel Reeves’ CV on LinkedIn

Introduction

Rachel Reeves’ CV on LinkedIn may have been correct after all in claiming that she was an economist at Bank of Scotland and not head of paperclips at the […]

Private Finance Initiative – the New Labour financial catastrophe

November 12th, 2024|Comments Off on Private Finance Initiative – the New Labour financial catastrophe

The key documents on the financial catastrophe visited upon the UK – and continuing to be visited upon the UK every day – by New Labour.

Private Finance Initiative – PFI – was a ‘structured finance’ […]

Budget disaster for ‘working people’, who won’t be working for much longer

November 2nd, 2024|Comments Off on Budget disaster for ‘working people’, who won’t be working for much longer

This article as published by the Daily Express

Labour’s first Budget will be a catastrophe for employed jobs, especially for Minimum Wage jobs. Rachel Reeves has greatly increased the cost to businesses of having employees. Angela […]