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.

Labour threaten to attack our young people – as if Uni-party had not damaged them enough

March 31st, 2025|Comments Off on Labour threaten to attack our young people – as if Uni-party had not damaged them enough

Youth unemployment – rising in your area soon! Published on 31st March 2025 Introduction A new offensive has been opened in Labour’s civil war against the British nation. The next group of soft targets are those well-recognized ‘enemies […]

Contempt for voters is the new democratic norm

March 25th, 2025|Comments Off on 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

March 17th, 2025|Comments Off on 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

March 13th, 2025|Comments Off on 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

March 11th, 2025|Comments Off on 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

February 26th, 2025|Comments Off on 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)

February 24th, 2025|Comments Off on 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?

February 18th, 2025|Comments Off on 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

February 13th, 2025|Comments Off on 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 […]