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Lyddon Consulting
  • Who We Are
    • The business
    • Bob Lyddon & Associates
    • Key Information and GDPR
    • How to buy
    • Contact
  • Blog
  • Consulting
  • Training
    • Banking Regulation – new
      • Single Euro Payments Area (SEPA) – Executive Briefing – new
      • SEPA Compliance – new
      • Single Euro Payments Area (SEPA) – Executive Briefing – new
      • European Payments Regulatory Package – new
      • Payment Services Directive 2 – new
      • 4th EU Anti-Money Laundering Directive – new
      • Ringfencing and the EU Bank Recovery & Resolution Directive – new
    • International Banking – new
      • Basel III Liquidity – new
      • Basel III Capital & Leverage – new
      • Supply Chain and Export Finance – new
      • SWIFT for Corporates – new
    • Payments & Cash Management – new
      • Domestic and cross border payments – new
      • Basics of Cash Management – new
      • Intermediate Cash Management – new
      • Advanced Cash Management – new
      • Fintech – Financial Technology new entrants – new
  • Research Papers

Our response to the report from HM Treasury’s ‘Future of Payments’ review

Bob2024-01-25T09:45:43+00:00

Cover of the report of the Future of Payments Review

Published on 8th December 2023

We have sent Joe Garner c/o HM Treasury a 5-page letter with our response to the report from the Future of Payments Review.

You can download the letter here

As Lyddon Consulting was cited as one of ‘the more than 100 organisations who contributed […]

Report on HM Treasury’s ‘Future of Payments’ review

Bob2024-01-25T09:46:15+00:00

Cover of report from the Future of Payments review

Published on 7th December 2023

The report of the Joe Garner review into the Future of Payments has been published.

You can download the report here

It is testament to severe problems in UK payments:

Card fees experienced by merchants are far higher than the cap supposedly imposed by the Interchange […]

The Black Week for Fintech

Bob2024-01-25T09:51:19+00:00

Headline on Crown Agents

Published on 26th November 2023

General Ludendorff described the British/Australian/Canadian breakthrough before Amiens on 8th August 1918 as ‘the black day of the German army in the World War’.

The week of 23rd October 2023 could be described as the black week for Fintech.

CAB Payments – the former payments division of Crown Agents Bank […]

Europol highlights Virtual Accounts as source of Financial Crime risk

Bob2024-01-25T09:51:53+00:00

Europol’s 2023 report

Published on 12th September 2023

Europol has issued its 2023 assessment of the risks of financial and economic crime.

It features Virtual Accounts and the unique identifier for them: Virtual IBANs or International Bank Account Numbers.

We have raised this issue to the trade body for the sector most actively using Virtual IBANs – Project Financial […]

Don’t hold your breath for the FCA to stop de-banking

Bob2025-05-10T18:41:21+01:00

The AML gospel according to St JMLSG

Blog published on 8th September 2023.

The content was first published by Global Britain – ‘Jeremy Hunt should be aware – the Financial Conduct Authority has ‘form’ in supporting de-banking’

Things have moved quickly since the breaking of the scandal over the de-banking of Nigel Farage. Dame Alison Rose, CEO of […]

Don’t kill cash

Bob2024-01-25T09:57:26+00:00

Published on 8th September 2023

I spoke briefly on Liam Halligan’s show on GBNews about their ‘Don’t kill cash’ campaign:

https://x.com/gbnews/status/1690990780767166465?s=46&t=UN7HZkpr9JYSbWdGfk-dXA

De-banking – interview on ‘Farage’ on GBNews

Bob2024-01-25T09:58:40+00:00

Published on 7th September 2023

I appeared on Nigel Farage’s show on GBNews on Wednesday 9th August 2023 on the subject of de-banking and the FCA’s letter to 30 or so institutions asking them to lay out who they had de-banked and why. The interview begins at Minute 9:

Relying on a data vendor for lists of Politically-Exposed Persons is a nonsense

Bob2025-05-10T18:42:27+01:00

Cover of JMLSG guidance

Published on 2nd August 2023.

The article was previously published by Global Britain on 1st August 2023

Introduction

The UK’s financial services industry has invented for itself the right to use data providers to identify Politically Exposed Persons (PEPs). The de-banking of Nigel Farage by Coutts/Natwest has shone a light on this regime which the […]

FarageGate shows the ‘Trusted KYC Data Sharing’ project must be stopped

Bob2024-01-25T10:04:42+00:00

Payment Systems Regulator strategy to introduce ‘Trusted KYC Data Sharing’

Published on 11th July 2023

Whatever one’s opinion of Nigel Farage, the concept that he can be de-banked should be troubling to everyone. It should be even more troubling to those familiar with the financial industry’s measures to counter financial crime, as remedies being applied by banks […]

Commentary on The Payments Association’s letter to Lord Johnson about the proposed widening of the coverage for victims of Authorised Push Payment Fraud (APPF)

Bob2024-01-25T10:05:45+00:00

Letter to Lord Johnson

Published on 10th July 2023

The Payments Association has sent a letter to Lord Johnson about the proposed widening of the coverage for victims of Authorised Push Payment Fraud (APPF):

Letter to Lord Johnson from The Payments Association

The letter raises three areas of concern, which could have unintended consequences:

1.      Almost all consumers experiencing APP fraud will get their money back (unless they […]

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