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.
November 28th, 2022|Comments Off on Commercial banks do not create money
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
November 21st, 2022|Comments Off on FTX shines a light on crypto people – do we want them replacing our UK cash with their digital currency?
Sir Jon Cunliffe, Deputy Governor of Financial Stability, Bank of England, sees no contradiction between the rampant instability on Planet Cryptocurrency and the Bank’s plans to replace our cash with its own UK version of […]
October 6th, 2022|Comments Off on The Payment Systems Regulator’s PS22/2 Card-acquiring market remedies: final decision = surrender
On 6th October 2022 the PSR published its Final Decisions on its major and multi-year ‘work’ on the costs of accepting card payments for merchants. Costs, in this case, focuses on the service fees paid […]