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Blogs »

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Cash - and Freedom - Are Both Worth Fighting For, In 2022 and FOREVER.

We live in a troubled world, one in which democratic freedoms only gained within the last …

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Budget Spending - Do NOT Mention The National Debt

In 2010,we were told that austerity was needed because the UK  National Debt was out of …

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The UK Government Access to Cash Consultation - Four Key Issues

On 1st July 2021, the UK Government announced an "Access to Cash Consultation". Legislation is promised on …

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The Dawning of Debt

You have to understand history to understand the position the UK public find themselves in today …

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The Empty Years.....

In 2013, David Cameron promised that a referendum on the UK's future relationship would be staged …

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Happy New Year!

2021. Not a year starting with great optimism, though it could hardly be worse than 2020! What do …

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Cash Acceptance - I WANT to make my views clear!

There are "experts" who argue that there are only 2 million people in the UK who …

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Cash Acceptance - KISS Problems Goodbye!

Frankly, there is too much discussion in the UK - and around Europe - surrounding the …

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Give Cash A Great Big Hug!

My love affair with cash started with my parents. I was born in the 1950s, entering the …

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Is All That Money Being Wasted In Space?

I am mature ( NOT old) enough to remember when there was no "Space Race". I can …

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Cash: The Comeback - Kid?

There is much speculation about the extent of the comeback cash will make after the latest …

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Mistakes Made In The Coronavirus Business Interruption Loan Scheme - AND How To Start Correcting Them.

The Coronavirus Business Interruption Loan Scheme (CBILS), launched with a fanfare of trumpets by the UK …

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ALL In-Person Payments CAN Be Equally Safe During The Coronavirus Pandemic

One of the aspects of the current Coronavirus Pandemic that makes my blood boil is the …

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Cash at the Crossroads?

As I write this, the world is in the grips of the coronavirus. Thousands of people have …

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Happy Birthday For UK Independent ATM's? Not exactly!

Time to wish a happy 21st Birthday to the ATM installation that changed the face of …

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My New Role - Chairman of the Cash Learning Partnership (CaLP)

I am both delighted and honoured to have been elected the new Chairman of the Cash …

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Quick! Call the Police! £120 Billion of Cash went missing in the UK in 2018?

The British Retail Consortium (BRC) - a trade association which represents 80% of Big Box UK …

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Quick! Call the Police! £120 Billion of Cash went missing in the UK in 2018?

The British Retail Consortium (BRC) - a trade association which represents 80% of Big Box UK …

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Financial Inclusion – Only Cash Has A Hope Of Delivering It.

Much hype surrounds the digitalisation of society. Here’s the stark reality though – WITHOUT CASH, MANY …

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Crypto and Digital Currencies - a Matter of Trust?

Crypto Currencies - Bitcoin being the most famous one - have been around for years. For all …

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Time to Remove Barriers to Entry in the UK ATM Market

In an era when many banks feel they must cut their costs by closing branches and ATMs, it …

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Cash Acceptance in the UK

In this interview, payment expert Ron Delnevo stresses the importance of having legislation in the UK …

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Payment Choice – Not Everybody’s Cup of Tea?

I started scribing this article on July the 4th, so it is perhaps natural that my British …

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Action is Required NOW To Maintain Payment Choice in the UK - The Time For Talking And Debate Is OVER!

I am a decisive person. I favour action over endless debate and discussion. Winston Churchill said “Meeting jaw to jaw …

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Making Legal Tender Work For The Public - NOW!

The current definition of "Legal Tender",as set out by the Bank of England, is not fit for …

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Supporting the Bank of England.....

People may think I am joking when I say I have written to Mark Carney, Governor …

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The Cost of Cash....

I was very disappointed to see in the recent UK Access to Cash Review the headlined …

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The Access to Cash Enquiry - a Wasted Opportunity?

The Access to Cash Enquiry - funded by the LINK ATM Network but intended to be …

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A Charter for Payment Choice

The public EVERYWHERE have a right to expect Payment Choice, the right for every individual to use …

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The UK Public Will ALWAYS Need Access To Cash!

             This morning, the UK Access To Cash Review released Part 1 of their report. The document issued …

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Dynamic Currency Conversion: Does The European Union Realise It Is Vital To The Economics of ATMs?

You may be aware that there are on going  discussions in Brussels about Dynamic Currency Conversion …

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Time for UK Retailers to Really Fight for Payment Choice

I have been warning UK retailers for years that they badly need cash as an alternative …

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A Vision of a Smart Future for UK ATMs

Which? has issued a report that claims the Big 5 Banks in the UK are closing their …

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Go On Last Branch In Town -WIN THE CUSTOMERS!

If you want to know how banking has changed, read on. In the early 1990's, a business …

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The Anti-Cash Agenda of the UK "Authorities".

Last week, the UK government launched a consultation entitled "cash and digital payments in the new …

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Politicians - Putting Public Profile before Public Interest ?

I will never forget the occasion. My appearance before the Treasury Select Committee (TSC) in February …

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How Can We Avoid Missing LINK?

The LINK UK ATM Network announced a few months ago that it planned to reduce ATM …

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No Compromise on LINK ATM Networks Proposed Arbitrary Fee Cuts

LINK ATM Network are proposing an arbitrary cut of 20% in ATM interchange fees, phased over …

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LINK ATMs - Who Is Pressing The Buttons?

Sir Mark Boleat, Chairman of LINK Scheme Holdings Limited ( AKA LINK ATM Network) has informed …

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Where the Plans of LINK & Visa will Leave Cash in the UK? EXTINCT.

If you live in the UK and don't already know that the LINK UK ATM Network …

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LINK -The TRUE Story, So Far....

The current arguments threatening to undermine the LINK Free-to-Use ATM Network are bringing to a head …

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Cash - Time for Action, Not Talk.

I founded Cash-is-Cool way back in 2010. I did so because cash, the worlds favourite payment method, …

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The Economic and Societal Consequences of Brexit

Every time I catch the BBC News and hear pro Brexit speaker, it makes my blood boil. I …

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I am NOT in love with Robots BUT....

In an ideal world - one I have never even glimpsed - ATMs would still have …

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Still Searching For Valid Research...

In the last couple of weeks, there have been two revelations in the media purporting to …

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Cash Shoppers Subsidize Card Users!

Before you get too excited - or happy - about the news that merchants will no …

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Theresa May - Unsuited To Leadership

The investigation into the Grenfell Tower fire will take months.  However, the Government response to support the …

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Economic Literacy - Not Here, Gov!

Question: how many people are registered to vote in the UK? Very easy. Answer: at the end of …

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Financial Conduct Authority - Time For Change At The Top..

There are calls in the Sunday Times today for John Griffith-Jones to relinquish his role as …

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The End of Russian "Universal Electronic Card"?

I was speaking at the excellent Reconnaissance International "High Security Printing Conference" in Baku earlier this …

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Beware - and resist - Creeping Limitations on Cash Use

A few weeks ago,the European Commission issued a document asking anyone interested to comment on whether …

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Ron Delnevo Speaks to the BBC about the need to safeguard the future of the LINK ATM Network.

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The UK Payment Systems Regulator Needs To Focus On Innovation at LINK, The UK ATM Network.

I was very pleased to speak in February at the Westminster Business Forum event "The future …

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The UK No Longer Able To Fund A Society?

Every day, there are reports of the financial strain on Public Services in the UK. The National …

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Confidence = Worth.

What is something worth? It is simply what you are prepared to pay. A very simple truth and …

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I Am Looking Forward, Without Resolution!

I don't do New Year Resolutions. Actually, I don't really do celebrating the New Year. I …

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Investors Can Withdraw But Workers Cannot?

Strikes were a thing of the past in the UK - or so we thought. Margaret Thatcher …

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SAS: A Serious Disregard For Passenger Service.

On 19 May this year I was waiting impatiently at Stockholm Airport for news as to when …

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Customer Service - Are You Asking For It?

Customer service in the UK is generally appalling. Cost cutting has left most so-called service organizations with …

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The UK National Debt - Forever?

George Osborne may have been a supporter of "Remain" in the UK EU Referendum BUT, for …

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The Joys of Cash in Singapore!

I was speaking earlier this week at the Wincor Nixdorf International Management Seminar in Madrid. My …

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Sweden: Good News For Cash -And The Public.

 The Riksbank - the Swedish National Bank - last week called on the Government to take …

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London House Building To Pay Off National Debt.

The UK Government has  been telling us since 2009 that austerity has been needed to restore …

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The UK Public Never Had It That Good.

When you listen to George Osborne or read most British newspapers, you would be forgiven for believing …

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Cash In Microwaves - No Recipe For Success.

There are stories on the internet that Swedes are keeping their spare cash in microwave ovens, …

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Jeremy Corbyn - Is He Electable?

Jeremy Corbyn is the new Labour leader. Only seven words, but enough to get you committed only …

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Europe Needs Stronger Leadership - And Stronger Borders.

The sad picture of a 3 year old boy, dead and alone on a beach, provoked …

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The Wall Street Journal - How It Can Save Its Reputation.

Almost three years ago, I was having what I will just call a disagreement with someone …

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General Election 2015 - Many Headlines, No Answers.

I have always said voting should be compulsory - BUT I WILL NOT BE VOTING IN …

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Payments- A Truly Fresh Start Required.

I have been involved in the UK payments industry for 15 years or more. During that …

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Manchester- Great City But Not For Food!

I love Manchester. It is a vibrant City, with some impressive buildings and much excellent redevelopment, …

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Alex Salmond - He Is no Loser.

Had I opted to have a vote in the Scottish Referendum - I could have done …

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EE - The Worst Customer Service On The Planet?

Everything Everywhere is a TERRIBLE name. The clown who thought it up should be painted Orange …

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Cashless Society -Is It On The Cards?

I travel quite extensively and everywhere I go, I witness the frantic efforts of Visa and other …

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Monetary Policy Committee- Should I Join?

I am still debating in my own mind whether I can give up the time required …

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Everyone Together Now - Reform Europe!

It seems that all over the EC, in almost every one of the 28 Member States, …

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Cash -As Important As Ever!

Even I, a great lover of cash, was somewhat surprised to learn last week from the …

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David Moyes - The Good Guy and The Fall Guy.

The shocking fact and management of the sacking of David Moyes give a stark insight into …

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The Payment Systems Regulator:Breath Of Fresh Air Required.

The search is on for the person who will head up the new Payment Systems Regulator. This …

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Banking On Success

Some people have had bad experiences in their dealings with UK banks in recent years.Then again,many millions …

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What Makes A Better Person?

Some years ago, I mounted a campaign to save the Portman Building Society from takeover. I …

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Pensions : George Osborne Makes Right Decision For Choice.

The 2014 Budget is a landmark for all of us who hold freedom of choice and …

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Business Rates - Change Required NOW!

Business Rates have been a nonsense from the outset. Valuations based on the notional rental values …

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Not Just Fun In The Sun!

Looking out of my window this morning,I can see a large body of water. In the UK …

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Post Offices-Countering Bank Branch Closures?

Very good news from the Post Office in the last few days-they will not be closing …

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Let's Have A Year Of Good News!

The year has started well as far as good news is concerned. First, retailers announced that Christmas …

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Banks Need A Clear Year In 2014

I have made the point many times recently that the UK needs a strong, healthy banking …

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UK Banks & UK Economy- Moving Forward Together.

More stories in the newspapers yesterday about how banks have managed loans/bad debt. Some of the alleged …

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Banks-Give Them Some Credit!

Another week, another banking "scandal". The story in sundays UK newspapers was of alleged drug purchases by a …

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Long Term Solution Needed On Utility Prices

All those years ago when Governments started to sell off UK Utilities, the dangers were easy …

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"Retire When You Die"!

I read an article this morning which highlighted that more and more people are starting their …

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Keeping Cash First

I am currently attending a security conference in London. Criminals are always looking for new ways to …

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Keep Cash Cheap-And Users Cheerful!

Every year,the British Retail Consortium publishes a survey of members transaction costs.Those members represent 80% of …

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Privatisations-Gravy Trains For Senior Management

I must first confess myself to be an expert witness. I have been the benificiary of …

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Royal Mail Sale-Commonsense Posted Missing?

It is particularly ironic that the Government should choose this moment to privatise profitable Royal Mail,just …

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Free Press?

The idea that the Press should be free to print anything they like about politicians-or their …

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Time To Sort Out Energy Prices?

I did not agree with the privatisation of utilities. It never made any sense to me …

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Lloyds Bank Share Sale-Good Progress.

Really good news that the Government has finally started with the disposal of the publics-you and …

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George Osborne’s Skills Make Tories Electable.

Whatever opinion polls say today, by the time the next General Election arrives in 2015, I …

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A Busy Life

I have been speaking at a conference this week (and again next week!). At this weeks' conference, …

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Transport for London - Government Grants Fund War On Cash.

It is not widely realised that over 40% of all Transport for London (TfL) revenue comes …

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Truly Independent Directors Required

Financial Services will undergo radical change over the next few years.  Change is being forced …

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Tesco - A Little Praise

Anyone who knows me at all well will know I do not "like" Tesco.   My …

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Leadership Tips

I keep seeing articles advising people of 5/15/25 steps they can take to become better leaders. I …

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The Bonus Culture

Those who do not have the potential to receive massive bonuses are in most cases very …

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The Apple Of My Eyes

Apple has applied for a patent for an App that puts together locally those who need …

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Economics - Freakish?

Last week, I was lucky enough to meet and listen to Stephen J. Dubner, co-author of …

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Direct Charging At ATMs

A situation has arisen in Europe that has the potential to restrict the Public's convenient access …

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Guaranteed Profits For Utility Investors?

Tim Yeo, Chairman of the Commons Climate Change And Energy Committee, has informed the UK Public …

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ALL Payment Schemes Need Independent Directors

The recruitment advertisement that appeared in the most recent edition of the Sunday Times speaks volumes …

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"Dizzying Change But Little Real Progress"

It is always good to have at least one person agree with you. With 7 billion …

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Moving On - WE MUST!

I am happy to report that I resigned from the Board of the UK Payments Council …

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House Prices - Stability Is Needed

It seems that "experts" (aka Estate Agents) are predicting a boom in house building and house …

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Switching Bank Accounts

Apparently on average the British Public - that's you and me - change banks every 26 …

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Tracking Price Increases

It has just been announced that rail season tickets are to increase in price by more …

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Power To The People? Not Likely!

I promised to examine the impact of foreign investment, especially in infrastructure. No better example than the power …

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Foreign Takeovers Of British Businesses

Britain hasn't been invaded by a marauding army since 1066 BUT these days one doesn't need …

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15 Long Years- BUT NOT NEARLY ENOUGH HAS CHANGED!

When my company installed the very first Independent ATM in the UK in 1998, …

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We Need First Class MPs

The Chancellor George Osborne has received some criticism in the last few days for A) sitting …

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Statistics: The Playthings Of Politicians

The Presidential election in the United States gives an invaluable insight into how politicians use - …

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Charitable Giving At ATMs Report Card: Industry Must Try Harder

The response of the UK ATM industry to the Government request to allow charitable donations at …

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Doing It Yourself - Who Wants To?

One of major issues I have with "modern" business thinking is that most people in business …

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The UK - First Class Hotel and Des Res!

The most worrying statistic I have heard in the last week or two is that whilst …

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A Return To Competitive Sports In Primary Schools

I am delighted that the Government has signalled its intention to bring back competitive sports into …

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British Justice - Simply the Best

I have been fortunate to travel the World, enabling me to experience first hand the lifestyles …

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Trust? It Has Gone

One of the incredible aspects of the LIBOR fixing scandal is that relatively junior …

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Let's Make 2012 The Year For Humans

Am I alone in being really ****ed off at the advent of self-checkouts? We have over 2 …

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Facing reality - and changing it

I caught part of Jeremy Paxman’s excellent documentary "The Empire" the other night. The programme took us …

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You pay peanuts and you get... Legislators and Regulators!

I attended a really depressing conference last week. The conference was about the effectiveness of UK financial …

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Keeping Politics Out Of Football

It has been bemusing this week to see various politicians pontificating about football. Most people recognise that …

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Invisible = Non Existent

In modern economies very few people seem to want to do anything themselves. That explains why construction, …

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Clever is NOT cards

A huge row blew up before Christmas about the commissions paid by the UK public - …

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When will we see a cure?

I have just finished reading the obituary of Christopher Hitchens, one of the greatest intellectuals of …

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The most worrying strikes

There has been much publicity in the last week or two about the threat of strikes …

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China is getting expensive!

One of the most heartening pieces of news I have read for some time was in …

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Contactless card issuers and banks pouring money down the drain

I have just seen the truly dreadful transaction levels achieved by contactless cards in the UK …

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Card Schemes fronting cash conferences

We all know that International Card Schemes view cash as their enemy. How do we know? Because …

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Bank lending

The Bank of England has announced that it is still very difficult for small businesses and …

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Money Matters: 29-31 August

This is the time of the year, when the football world goes a little mad. On the …

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The riots and the state of our nation

The senseless death and destruction visited on parts of our country last week has to make …

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Credit Rating- A Storm In A Coffee Cup?

I find it hard to credit (pun intended) that the World's largest economy - the USA …

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Bank Account Numbers -They Should Move With You

We all know how easy it is to move a mobile phone number now-or even a …

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No Check-Out for Cheques-or Choice!

I am delighted to be contributing to this excellent Web Site and there can be no …

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