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For some years now, financial commentators have expressed their opinions about the fall of cash circulating in British society. Some of these commentators see this is as inevitable and natural, while others sound a word of caution. While a cashless world may have its advantages, these necessarily depend on having the means to live without cash. With the coronavirus crisis…
Identity is a very valuable commodity today; possibly more so now than ever before. That’s because an interconnected world has led to a boom in fraud, committed by people who pretend to be someone or something they are not. Although proving your own identity may be time consuming and take some effort, there are some reasons why verifying who you…
Crime thrives in a time of crisis; one of the few things Al Capone would have testified to. The coronavirus pandemic gripping the world is in many ways a perfect opportunity for fraudsters and online thieves to make new inroads and bigger profits. This current crisis comes on top of the prevailing, long term fraud problems which blight online business…
As well as the right to withdraw consent at any time regarding how our data is held and what is done with it, the Data Protection Act 2018 gives us quite considerable power over internet companies and other organisations which use the web as a portal. Subject access requests It has been possible to request exactly what data an organisation…
Data protection is a subject many people think has nothing to do with them; if so, they are wrong. Specifically, anyone who uses the internet should be aware of what data protection is, and why it is important. Unfortunately, the speed of online transactions, the number of clicks we all make to get where we want, means that most web…
For many decades now, accessing a private online environment has meant entering a recognised user name, corroborated by a valid password. The combination of these two items of knowledge keeps at least the opportunist snoop or fraudster out of a website or user account. Unfortunately, repeated breaches of this security continue to expose the weakness of the username + password…
Customer due diligence (CDD) is not something which should be the responsibility of the customer, even though it sounds that way. In fact, the diligence is on the part of a bank or other financial institution (FI); it’s up to them to be diligent about who they are taking on as a new account holder. This may seem like common…
Any parent knows that more children are accessing the internet, more regularly and in more ways, and younger than ever before; this is a trend which is only likely to continue. As education and youth health providers turn to the web to offer services seen by society as positive, those which pedal less wholesome fayre are waiting to reap the…
UK, 13th February 2020: Analysis of StepChange Debt Charity’s clientele has disclosed new insights regarding the financial behaviour of people making steps towards debt recovery. A study conducted by Experian revealed that 88% are very engaged with the online world, however a significant 40%, are unlikely to be managing their finances digitally. StepChange Debt Charity has recognised the potential of…
To quote the well-known rhyme, “water, water all everywhere, nor any drop to drink.” I feel can also be true of data. Where organisations have a lot more data than ever before, only a few are able to take advantage of this resource and truly leverage it for insight. There are no doubts regarding the value of data. It’s viewed…
