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.

Totality of on- and off-balance sheet liabilities of the EU public sector is cloaked in obscurity

May 29th, 2023|Comments Off on Totality of on- and off-balance sheet liabilities of the EU public sector is cloaked in obscurity

Total EU public sector debt is shrouded in mystery The totality of the public sector liabilities of EU and Eurozone member states is clouded in obscurity.  The key measure tracked by Eurostat – ‘General government gross […]

The archipelago of EU public sector entities with borrowing powers has created a behemoth of liabilities

May 26th, 2023|Comments Off on The archipelago of EU public sector entities with borrowing powers has created a behemoth of liabilities

EU public sector entities harbour a debt mountain

The EU member states contain numerous public sector entities with borrowing powers, and whose debts fall outside the definition of member state debt as reported by Eurostat. The […]

Sir John Redwood comments for The Bruges Group

May 24th, 2023|Comments Off on Sir John Redwood comments for The Bruges Group

Sir John Redwood in conversation about the issues of EU and Eurozone debts as raised in my book ‘The shadow liabilities of EU Member States, and the threat they pose to global financial stability’.


Sir John […]

The EU banking system has massively exaggerated the amount of its cushion against losses

May 24th, 2023|Comments Off on The EU banking system has massively exaggerated the amount of its cushion against losses

EU banking system has a tiny loss cushion

EU authorities have permitted commercial banks to implement a particularly aggressive form of risk-evaluation methodology, the result of which is the ability to claim a thick loss-absorption cushion […]

The Eurosystem has become a commercial bank, except one without a credit assessment department or loss-absorption cushion

May 22nd, 2023|Comments Off on The Eurosystem has become a commercial bank, except one without a credit assessment department or loss-absorption cushion

The Eurosystem is a commercial bank with no capital

The Eurosystem has expanded its operations well beyond what a central bank would have traditionally undertaken. It now owns assets that are not ‘central bank money’ definitionally. […]

Will EU/UK MoU on financial services regulation address EU’s systemic breach of regulation?

May 18th, 2023|Comments Off on Will EU/UK MoU on financial services regulation address EU’s systemic breach of regulation?

Bruges Group blog on EU breaches of regulation

You will have seen that the EU and UK just announced a Memorandum of Understanding on regulatory matters to do with financial services:https://ec.europa.eu/commission/presscorner/detail/en/mex_23_2805The issues in my book – […]

Analysis of YouGov surveys commissioned by the Bank of England in connection with its ‘digital pound’ project.

May 15th, 2023|Comments Off on Analysis of YouGov surveys commissioned by the Bank of England in connection with its ‘digital pound’ project.

Bank of England’s ‘consultation’ on the ‘digital pound’

We previously issued a paper on the YouGov surveys that the Bank of England commissioned to support its work on the ‘digital pound’, the outcome of which work […]

Technology Working Paper accompanying the Bank of England Consultation Paper on the ‘digital pound’

May 15th, 2023|Comments Off on Technology Working Paper accompanying the Bank of England Consultation Paper on the ‘digital pound’

Bank of England ‘consultation’ on the digital pound

We have analysed the Technology Working Paper which accompanies the Bank of England’s Consultation Paper on the ‘digital pound’, and responded to the survey.

You can download our responses […]

Bank of England consultation on the ‘digital pound’

May 15th, 2023|Comments Off on Bank of England consultation on the ‘digital pound’

‘Consultation’ on the digital pound

We have responded to this consultation, although it is a sham.

You can download our response here.

The points on which the Bank of England has chosen to consult are narrow, and […]