Lyddon 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.
Labour threaten to attack our young people – as if Uni-party had not damaged them enough
Contempt for voters is the new democratic norm
My recent comments about the release of the German Debt Brake
Published on 25th March 2025
Introduction
Ruling elites are perfectly happy to go along with constitutions, electoral systems, timing of elections and all the other paraphernalia of […]
Tactics to remove German Debt Brake would make Hermann Göring blush
Daily Express article with my comments
Introduction
The plan to remove Germany’s Debt Brake has been widely hailed as a tremendous breakthrough, wonderful for Europe and for the Eurozone.
However, the means to get it through the Parliament […]
T2 Disaster Recovery arrangements are synthetic, befitting a synthetic currency
Screenshot of ECB website
T2 (formerly known as TARGET2) is a systemically-important payment system and the Real-Time Gross Settlement System (RTGS) for the euro. As such it should be a ‘5-nines’ system, enjoying 99.999% availability during […]
Carney appointment weakens democracy – and undermines Charles’ legitimacy as Head of State
From the Government of Canada official website
11th February 2025
Introduction
The appointment of Mark Carney as Prime Minister of Canada lacks democratic legitimacy. It exemplifies emerging devices to escape accountability and bypass the voter, thereby demonstrating contempt […]
UK payments – now officially a ‘state-directed’ activity, not an industry
Annoucement of the nomenklatura appointed to direct UK payments for the state
26th February 2025
Payments is now an area in which the public policy agenda dominates
The National Payments Vision Committee and Vision Engagement Group are now […]
What a surprise: the UK’s self-employed and microenterprises are in the mire – but don’t blame Labour (yet)
24th February 2025
Introduction
The Office for Budget Responsibility’s ‘Commentary on the Public Sector Finances: January 2025’, issued on 21st February 2025, contained a statistic that has horrified the august bodies that oversee the nation’s finances, although […]
What is EU GDP actually?
18th February 2025
Eurostat estimates for Q3 2024 of Eurozone and EU General government gross debt
My recent research on the shadow liabilities of the EU member states threw up an extraordinary question: what is EU GDP […]
EU shadow borrowing increases
My 2023 book
13th February 2025
The EU’s shadow borrowing has continued to increase, as is shown by a high-level update on the 2021 figures which were the basis of my book ‘The shadow liabilities of EU […]
