Friday, 30 January 2009

The fall and fall of Bristol Rugby

Nov 24 2006: It was billed as the clash of the season. A West Country derby and a battle for top spot in the Guinness Premiership rolled into one. Bristol’s Memorial Stadium is packed to the rafters, and despite the driving sheets of rain and merciless cold, the old ground is rocking with anticipation. Gloucester, without a defeat to their name all season, look to have taken the spoils with Willie Walker’s seventy-fifth minute penalty. Alas, the Cherry and Whites underestimated the grit and determination of Bristol’s old guard. The pack rumble up the field once more, creaking legs an’ all – it’s ugly but familiar stuff from the boys in blue. Seventeen nail-bitingly tense phases later and the ball is set up for a Jason Strange attempt at the posts. Twelve thousand people hold their breath, but they needn’t have. The Welshman executes with aplomb, as if last-gasp drop goals were easy pickings. The Bristol players and fans celebrate with gusto, top spot and the local bragging rights are secured.

Fast forward two years and it’s anything but rosy for Bristol Rugby. Ravaged by injury and lack of form, the club has stuttered both on and off the field. Seven points adrift at the foot of the Premiership table, Richard Hill’s side have managed just one victory this season – shipping nearly three hundred points in just twelve games. A club on the brink of relegation, threatened by administration, and without the certainty of a permanent home next season. It ain’t looking good. So what has gone wrong down at the Mem?

Let’s start with the players. Of the side that usurped Gloucester at the Premiership summit, thirteen of the twenty-one man squad still remain. But the impregnable old guard has fallen away, Hilton and Llewellyn hanging up their boots, Regan and Crompton on their last legs. Dan Ward-Smith and Shaun Perry, both serious contenders for the International jersey have been hit with long term injury and upon their return look shadows of their former selves. Roy Winters, a member of England’s South Africa summer touring side struggles to make the bench; such is his fall from grace. The introduction of the ELV’s has all but destroyed Bristol’s former game-plan. Dominated by the trundling pack, Hill’s strategy has proved dividends in recent years. Unattractive, but hell, it was effective. Today the side struggles with an unfamiliar, expansive style. There’s no recognised kicker in the side, so touch finders are desperately absent, and the first-up tackling just isn’t good enough.

Once masters of the dead-ball, Bristol have struggled to retain possession in the scrum and lineout. Former Welsh International Robert Sidoli just doesn’t command the same impact as his fellow countryman, the formerly indomitable Gareth Llewellyn. In the scrums, the pack is brushed aside – plagued by a lack of discipline stemming from wind-up merchant Mark Regan and the equally hot-headed Jason Hobson. The backline also suffers the same plight. Jarvis, a summer signing from Quins has failed to deliver, and the Arscott brothers are strangers to the duo that terrorised defences last season. Only the ‘Rocketman’ David Lemi has showed his class, scoring the bulk of Bristol’s tries this season and often looking the only outlet of attacking prowess.

Some blame, but certainly not all, has to lie with the coaching staff. To the confusion of the majority of Bristol fans, forwards coach Martin Haag was replaced by former Worcester coach John Brain. Goodbye aggressive rucking and ball retention, hello handling errors and infringements. Thanks, John. In contrast, Richard Hill is a very astute tactician. Hill operates on a shoestring budget, and Bristol has thrived upon his expertise. If ever there was a miracle worker, then it’s this guy. Jesus, who? But Hill has been at the helm for six years, and his tenure is becoming increasingly difficult. With his tried and trusted dropping like flies, the cash just isn’t there to replace them. Rumours of his departure at the end of the year are rife, with French club Montauban or Premiership rivals Leicester vying for his signature. A tempting prospect for the former England scrum-half indeed.

As with most things, Bristol’s decline is almost certainly all about the money. As part of a recent cost-cutting exercise, general manager Corin Palmer was sacked, along with several senior playing staff and half the academy. The club’s joint bid for a new stadium with neighbouring Bristol Rovers was delayed amidst farcical planning and financial errors. Subsequently, Bristol’s proposed two year stint at Newport’s Rodney Parade was cancelled – leaving Bristol with a considerable financial deficit to cover. Throw the notorious credit-crunch into the mix and the club has some serious problems. The situation got so bad that the board practically begged for a cash injection in the local media, and the players were uncertain where the next pay-cheque was coming from.

On February the 13th, Bristol welcome Newcastle Falcons to the Memorial Stadium. It’s the biggest game in the club’s recent history. Win and the side stand a very small chance of overtaking Newcastle and confining them to the drop. Defeat just doesn’t bear thinking about. Relegation from the Guinness Premiership won’t just signal the end of Bristol’s time with the big boys, it might also spell the end of one of the oldest clubs in England.





(Therugbyblog.co.uk, 2009)

Tuesday, 27 January 2009

Bristol Music - It's not all about the Wurzels

When it comes to a diverse music, look no further. Bristol ploughs a highly individual furrow and has an unheralded reputation for innovation and experimentation. There's more to this city than Massive Attack and the Wurzels, let me tell you. The local trip-hop scene is thriving, and since the late 90's has produced the likes of Portishead, Roni Size and Tricky. Flying the indie flag are Mooz, Flukestar (check 'em out) and Fortune Drive, whose wailing blues-esque rock have been amassing an impressive following in the South West for years.

There's plenty of places to showcase the abundance of youthful talent, such as Croft, the Louisiana (where bands such as the Thrills and the Kooks loitered in their heady, unsigned days) and the Harbourside festival - a tackier corporate equivalent to the now deceased Ashton Court Festival. (sob.)

With this in mind, it's difficult to understand why so few Bristol-based artists have cracked the mainstream market and achieved national success. Is Bristol in danger of becoming a musical backwater? A scene so diluted with different influences and cross-currents that it's hard to tell which direction it's heading?

Arguably, Bristol has the talent but lacks the 'push' to get its artists more widely recognised. The lack of a large music venue certainly doesn't help, and the collapse of the proposed 10,000 seater 'Bristol Arena' on the Harbourside was a significant blow to local musicians. But it's not just about the cash. The British music industry is notoriously competitive, with only one in 5000 artists getting signed to a deal. Amidst the chill of the economic climate, it's a safer bet for record companies to invest in the established rather than take a risk on a newcomer. After all, it costs around half a million pounds to launch a new band on a major label.



(Virginmusic.com, 2009)

Cheap as Chips: How McDonalds is beating the recession

The credit crunch looms large over almost every sector of the economy, and the restaurant industry is feeling the pinch more than most. Last year saw a 22.5% drop in consumer spending to the staggering tune of £5bn. But fear not, yet to succumb to the economic chill is the fast-food giant McDonalds who announced plans to open 1,000 new restaurants in 2009. No stranger to controversy, the chain has shrugged off government health bills, environmental protests, and an army of the critically obese filing legal proceedings at every opportunity. Can anything stop this calorific juggernaut? Well, apparently not, no.

Despite revenue losses of £180m, McDonalds experienced 5% growth in same-store sales – profiting from dirt-cheap prices, and the remarkable omnipresence of an outlet around every corner. In other words, the food’s crap but hey, you ain’t gonna be able to ignore us. The company defied the global rising costs of ingredients by actually reducing their total operating costs and expenses by 8%. This begs the question - why aren’t businesses queuing up to learn the secrets of their business model? They’re not just merely surviving, but profiting from the economic downturn. Hell, McDonalds even had the cheek to bump up the prices of its double cheeseburger and still the hungry masses came flocking.

The chain plans to invest £2.1bn in opening the new locations, creating 4,000 ‘McJobs’ in the process. The company attributes their remarkable success to the ‘redesign of restaurants and staff uniform, and the transition to healthier food’. Sure, that and the fact that lunch in another restaurant will be twice as costly. Let’s face it, a customer knows what to expect. It’s familiar, it’s quick and more importantly it’s not going to bankrupt you. The bigwigs down at McDonalds HQ are smart cookies; they’ve seen an opportunity to take advantage of us weary, penniless folk and they’ve grasped it with both hands. The old business principle of the fittest surviving is truer than ever, although in this case one might say it’s more survival of the fattest.


(Startupoverseas.co.uk, 2009)

Thursday, 15 January 2009

Interview with Thomas Froschmeier – Head of Marketing and Communications at Giesecke & Devrient

Giesecke & Devrient (G&D) is a market leader in smart card systems and security solutions. Based in Munich, the group employs over nine thousand people and operates across the World. The company gives high priority to driving new technology innovations and holds more than 7,000 patents, adding well over 100 each year. In 2007 G&D spent roughly €100 million euros on basic research and product development and employs more than 800 specialists researching and developing new products and processes. I spoke to the Head of Marketing and Communications Thomas Froschmeier about their plans for the New Year.

G&D is a global leader in e-commerce solutions and high-technology innovations. What are the key factors in the company’s success?

When it comes to smartcard technology and security we’re market leaders dealing with global markets such as telecommunications and payment. We have over 150 years of experience in the security sector, and more recently in digital security. Over the years we’ve built a solid base of trust with our customers. We maintain a strong focus on innovations in new technology, such as Touch and Travel, an NFC ticketing project which won a Sesame Award. We have also worked successfully in NFC and contactless trials with Barclays in the UK, and Garanti in Turkey.

How important is the development of NFC to the industry and why do you think the technology is still yet to experience major take-up?

NFC is a really important topic and crucial for the industry. This is because contact less technology allows us to open up new business models and application opportunities. This is why G&D established a joint venture with Nokia already back in 2006. Venyon provides a secure platform for implementing applications for NFC-enabled mobile phones. The problem with the new technology is its unfamiliarity. For wide take-up to occur the customer needs to realize the benefits of the technology and learn to trust it. It’s an educational process that the industry can help to push. Commonly, an individual might worry that contact less technology will result in them losing money or having personal data stolen. Instead, we need to stress to the customer the convenience of such a solution. A good example is GSM (global system for mobile communications) which came around in the late nineties. At first take-up was minimal and some suggested the technology wasn’t useful. However, over time people began to trust it and today it’s a necessity for everyone.

You mentioned receiving a Sesame Award for your mobile ticketing solution – Touch and Travel. Was this your most successful application or highlight in 2008?

In terms of innovation, the Sesame Awards was a highlight of the year for us – it’s undoubtedly a huge honour within the industry. Nevertheless, Touch and Travel is just one application that has been recognized. We have reached a couple of other innovation milestones including Garanti in Turkey where we have introduced secure payment solutions. I believe that we’re on the forefront of contact less technology, and we’re the NFC market leaders in North America.

The Micro SD card is the first to offer contact less smart card security as well as data storage functions. Can you tell me more about the product and how it works?

A Micro SD card is essentially a flash memory drive with no security. However, with this card we have added a crypto-controller onto the flash memory card which enables data to be encrypted onto the secure flashcard. The card still retains its smartcard functions as well. A customer can have secure applications on the card, as well as digital signatures, all of which is technologically done. In the very beginning the application was based upon a three chip solution, and today we talk about one microcontroller that controls everything.

What benefits will the user experience over standard security cards?

The benefits for the end-user are obvious. The opportunities for the Micro SD card are immense. It’s important to remember mobile devices are not only mobile phones, but also devices such as Mp3 players. Most mobile phones today offer Micro SD cards and in the future ipods will also have Micro SD capabilities. The card also gives the consumer the freedom to choose the combination of network operator provider and to choose a device. It’s a big step away from the conventional smartcard. The card gives the user and bank most suitable for him. So effectively, the card makes life easier and quicker for the user and the provider.

What are the main challenges facing G&D, and the industry in 2009?

The major challenge to the industry and to our company is the financial crisis. For the moment we see little or no impact because Giesecke & Devrient has a very balanced portfolio, we are remaining very positive. However, while we see no influence currently, we don’t know what will happen in the following months. We will keep a close look on the market. Away from finances it’s important to further drive all new technologies such as the Micro SD card and NFC including preparing the market and educating consumers. Finally we will be looking to complete our evolution to digital security service provider.

Going into 2009, how different is the market in comparison with five years ago?

Compared with the market around 4-5 years ago the biggest change is the competitor landscape. There are not as many international competitors as a result of a series of large mergers such as Axalto and Gemplus (Gemalto). The markets are globalised, with international providers and regional companies influencing the global competition. In 2005 pricing was of utmost importance, and the pressure to raise prices was huge. This peaked in 2006 which as I’m sure you are aware was a difficult year for the industry. Today price pressure is far more moderate – a positive signal for the industry. Instead quality of product takes precedence and is deemed way more important.

Finally, what does the future hold for G&D, both short term and long term?

I’m confident our future will be good. We have a solid structure and financial base and we aren’t dependant on share market prices, an issue which affects other companies. We also have the confidence and trust of our customers which is really important.



(Smartcard News Ltd, 2009)

Tuesday, 13 January 2009

What is the validity of blogs as reliable journalistic sources of information and do bloggers have a right to consider themselves journalists?

The online environment is growing rapidly. A report released in August 2007 by blogging database giants Technorati revealed that 80,000 new blogs are created every day, doubling the total blogosphere every five months and sparking nearly a million new posts daily. The growth of the blog is largely down to the ease in which someone can publish on the net with services such as blogger, Word Press and MSN spaces all enabling the simple set-up of a web log. But the blogging environment is not without its flaws. According to journalist Nick Davies in ‘Flat Earth News: An award-winning reporter exposes falsehood, distortion and propaganda in the global media' the ascendancy of citizen journalism has “sparked a media revolution of junk journalism”. The sheer weight of numbers has resulted in thousands of anonymous pamphleteers shouting their prejudices past one another and basking in the glory of self-publishing. However, it cannot be denied that blogs are now an integral part of the way in which the public consume news. So how valid are blogs as reliable sources of information, and equally - are bloggers destroying the principles of conventional journalism?

The former Financial Times reporter Tom Feremski described blogging as ‘a communications mechanism handed to us by the long tail of the internet.’ One difference between blogs and newspaper articles is the way in which a blog communicates to the reader. Blogs are fast and adaptable; they can combine text and audio, still images and streamed video. Howard Kurtz, professional blogger for the Washington Post commented upon the personal nature of a web log saying, “bloggers have a voice and emotions and they’re speaking directly to you. They’re up front about their biases. In comparison newspaper stories seem like straitjackets, incremental and dulled down”. Additionally, blogging has enormous potential in enabling on-the-ground reporting when news suddenly breaks in remote locations. An example of this is the multitude of online war diaries kept by soldiers based in Iraq and Afghanistan. Just be careful not to face the same fate as the American soldier who was demoted and faced legal action after revealing classified military information on his public blog while in Baghdad.

Because blogging is so cheap (and in most cases totally free) it’s accessible to everybody, regardless of financial status or background. The impact of so many different bloggers available is the rich variety of opinions and preferences this creates for a reader. Kate Maltby, a Yale student who writes for the Huffington Post said, “A blog is a news digest, filtered according to personal taste, and to get the exact collection of news summaries that are relevant to my lifestyle, I can go to a blog run by a person with similar interests.” The advantages of blogging is that is caters for personal expression, it can be constantly updated and have a clearly distinct theme; the choices available are practically endless. In contrast, mere paper and ink struggles to contend.

Blogs have corporate benefits as well. In 2004, former Microsoft CEO Bill Gates praised web logs during his keynote speech at the company’s annual summit in Seattle. In a speech to an audience of chief executives and shareholders, Gates said “regularly updated online journals could be good ways for firms to tell customers, staff and partners what they are doing”. He suggested blogs – particularly internal knowledge management journals, have advantages over older ways of communicating such as websites and e-mail. Today more than seven thousand Microsoft employees are using blogs to keep people up to date with their projects, and they certainly aren’t the only firm to do so. Other notable examples include IBM and Google.

Conversely, former Channel 4 News editor Charlie Beckett suggests that business web logging will not be widely adopted as Gates initially suggested. In ‘Super media: Saving journalism so it can save the World’ Beckett underlines the legal and regulatory concerns of corporate blogs. For starters any expressed opinion is likely to be reviewed and filtered by the company press office, as well as the small matter of potential libel issues and (for publicly listed companies) stock market disclosure rules. He said, “The notion that more than a few companies might relax their external relations strategies enough to allow web log communication, willy-nilly, between staff members and the outside world, is absurd, no matter how many consultants insist such communication might actually have a beneficial effect on a company's image.” The earliest advocates of the blogging world operate on the principle that information is free – a concept that is likely to make businesses and capitalists recoil in horror.

There are many examples of blogs which present a fair and valid reflection of the news. Unfortunately, there are thousands more that don’t. The main problem with blogging is that it focuses upon news-analysis over news-gathering. Oxford University professor Jonathan Zittrain argues in ‘The future of the internet: and how to stop it’ that blogging is dominated by opinion writing, a “tiny and inconsequential corner of the journalism world”. Zittrain cites the coverage of news in Iraq by the New York Times as an example of this, saying “Show me a New York Times story on the war in Iraq and I’ll show you twenty bloggers who think the real story is how the Times fails in its coverage of the Iraq war. It’s undeniable that web logs elevate analysis over hard news, and value speed over judiciousness - but is this necessarily a bad thing? According to the author Daniel B. Beaulieu, the nature in which blogs are written and the unique skill set they demand have “moulded bloggers into multi-skilled and capable journalists”.
There is a contrasting view. The Guardian’s Neil McIntosh suggests too much interactivity and commentating have created a seldom-restrained, scrappy world of web journalism. In his Guardian column (March 2007) McIntosh said “being a good writer helps a blogger about as much as a good singing voice helps a broadcast anchor”. The internet facilitates the good, the bad, and the ugly of the blogging world, and all for free. While citizen journalism reaches all corners of the online community, it often comes at the expense of traditional journalism ethics. In the same fashion that television killed radio, conventional reporting meets a similar fate at the hands of contemporary media.

The Guardian assistant editor David Leigh argued that blogging has sparked a culture of ‘junk journalism’. He said, “You can get junk food on every high street. And you can get junk journalism almost as easily. But just as there is now a Slow Food movement, I should also like to see more Slow Journalism. Slow Journalism would show greater respect for the reporter as a patient assembler of facts.” It seems that ‘slow journalism’ is being phased out as consumers of news demand the instant gratification of information over the more traditional format of paper-based news. This creates a concern that has been fiercely debated in media circles in recent years – Has blogging destroyed traditional journalism and is the newspaper industry next?
The newspaper industry is in decline and has been for some time. A National Readership Survey (NRS) report in May 2008 revealed sales were diminishing year-by-year by 4.7% in the United Kingdom. Ironically enough at the same time the consumption of news can claim to have vastly increased. This has a direct impact upon employees and trained journalists many of whom are finding themselves without a job. An article in The Telegraph published in November 2008 reported that Rupert Murdoch had announced further job cuts at his British newspaper assets. Murdoch attributed the decision to “an advertising downturn and company restructuring”, adding that the current media environment was “extremely challenging to the newspaper sector”.

A trend among newspapers is to hire out their tasks to freelancers or training staff members to be multi-skilled across the board in web design, pod casting, and even video editing. Subsequently it is rare to find a journalist skilled specifically in one particular area and thus the era of conventional reporting is gradually coming to an end. In his book ‘Can you trust the media?’ Journalism professor at City University Adrian Monck suggests that “the informed citizen has now replaced the honest working professional”. One problem is blogs feed on newspapers for its information, while destroying its business model at the same time. And while the blogosphere initially began in the perspective element of journalism, widely relying upon conventional reporting for news, today some blogs compete remarkably well in the news sector. Mainstream blogs such as http://www.techcrunch.com/ deliver technology news as quickly as large media companies. Worryingly for the professionals, the millions of amateur bloggers are getting better than the elites in many areas. Blogging is dynamic and constantly expanding. The newspaper industry, on the other hand, is stood still.

Traditional journalism is made even more difficult by the financial constraints faced by newspaper companies. As well as being inefficient and shallow compared with the depth of the internet, newspapers are extremely expensive to produce and distribute in a marketplace where the serious competition is essentially free. Thus newspapers find themselves relying more and more heavily upon advertising and giving away free gifts to boost revenue. This tarnishes the integrity of journalism as the press may be restricted in publishing for fear of offending an advertiser, or placing a heavy impetus upon sales and sensationalism – something that goes against the traditional ethics of news writing. Many pundits criticise the newspaper industry for not evolving or keeping pace with the market environment. American blogger Robert Scoble declares, "Newspapers are dead. The industry has not invested in its future. It is suffering the repercussions of that. How many future journalists are being trained for the online world? I can tell you how many: zero."

So can blogs be regarded as a reliable source of journalistic information? It’s difficult to give a comprehensive answer – due to the sheer scope of web logs available on the net. The majority of blogs do not provide reliable news content, merely because the majority of blogs are opinion-based, usually offering a different slant or analysis upon the news story. In ‘The Cult of the Amateur: How blogs, My Space, You Tube and the rest of today's user-generated media are killing our culture and economy’ Andrew Keen urges the reader to consider the consequences of “blindly supporting a culture that endorses plagiarism and fundamentally weakens traditional media institutions.” Keen says, “When anonymous bloggers, unconstrained by professional standards can manipulate public opinion, Our ‘cut-and-paste’ online culture - in which intellectual property is freely swapped, remashed, and aggregated - threatens over 200 years of intellectual property rights robbing authors and journalists of their creative labours.”

Do bloggers have a right to consider themselves journalists? Not in the conventional sense of the word, no. But valued cultural institutions such as professional newspapers and magazines are succumbing to the avalanche of unskilled, user generated free content. In today’s self-broadcasting culture amateurism is celebrated and anybody with an opinion, irrespective of knowledge or expertise can publish a blog. Thus the distinction between trained reporters and the uninformed amateur is becoming an increasingly grey area. The anonymity offered by the internet calls into question the reliability of the information we receive. After all, we wouldn’t use a book as a resource if it didn’t have an author. At the UNESCO World Press Freedom day debate former editor of The Independent Kim Fletcher said, “It’s difficult to trust a culture that settles in an environment in which sexual predators and identity thieves can roam free.” However, if the blogging culture continues to grow, and in turn traditional journalism fails to stop the rot, bloggers could be the only journalists - and the only source of news, we have left.

Thursday, 8 January 2009

Barclays launches NFC–enabled payment card – but what are the ‘cons’ of contactless?

It’s fair to say that contact less technology hasn’t exactly been accepted with open arms by the British public. With that in mind, the announcement by Barclays that it will be the first UK bank to issue contact less payment cards to all its customers from March is great news for NFC enthusiasts and a significant boost to a technology that until now, has struggled to break into mainstream markets. However, the introduction of contact less payment raises as many questions for Barclays customers as it answers.

This is far from a snap decision by the bank. In fact, the group have been trialling contact less technology in the UK, (well London at least) for two years. In late 2007, Barclays introduced ‘OnePulse’ through its subsidiary Barclaycard. OnePulse combined an Oyster card, a credit card and a contact less payment card. According to their research, Barclays discovered that 95% of respondents said they made at least one contactless purchase a day. How accurately these results reflect user opinion is anybody’s guess. The bank declined to divulge what percentage of OnePulse cardholders actually used the contact less technology. After all, there are only six thousand terminals in the country that can accept the card.

Nonetheless, Barclays is following bravely in the footsteps of Hong Kong’s Octopus scheme, another contact less debit card that has fast become a must-have for travel and low-value payment in the Chinese city. Barclays will be hoping for the same success in Britain when it replaces its entire fleet of debit cards with new plastic cards embedded with NFC-enabled chips. The group said that debit cards issued would enable payment of low-value items up to £10 without consumers needing to sign or enter a PIN. The cash is then debited from the individual’s account just as it would be from a standard purchase. More than eight thousand retailers already accept contact less payments, many of whom are based in London. These include Yo Sushi! Pret A Manger, Coffee Republic as well as news agents and dry cleaners.

The cards will still have chip and pin functions, enabling them to be used for transactions of more than £10 or to withdraw money from cash machines. But Barclays estimate that by 2011 its entire debit card estate will be cashless, and five million cards are set to be issued by the end of this year alone, with an extra hundred thousand merchant locations, capable of accepting the technology, to follow. One thing is for sure, this is a huge milestone for contact less transactions but what about security? If there is no PIN and no receipt print for a transaction then how can a user be sure about when and how much the card has been debited?

Nowadays it’s common to experience systems failures and human error in many of our services. Is it risky to carry a credit card which can be inadvertently debited without any further notice? The advantage for the credited party is clear, but the benefits to the customer are less obvious. The problem is that for successful transactions in a secure system there needs to be both a secure transaction conduit and a unique transaction validation. Neither of which are present in a standard contact less transaction, all that occurs is the reading of an RFID. The result is that the card companies are balancing the risk of fraud on low value transactions versus the chance of card RFID skimming. The real test will be whether RFID in every card will result in an acceptable balance of risk and reward. However, APACS (UK Payments Association), Visa and MasterCard have insisted the technology is safe and secure citing the fact that there hasn’t been a single report of fraud loss in any pilots conducted by Barclays.

APACS has admitted that it is possible for a fraudster to read data from a contact less card, but it stresses the limited information available on the card would not be enough to clone it. Barclays have also added a security mechanism whereby the customer is required to enter their PIN on random occasions, as an added measure to prevent misuse. Besides, with all contact less transactions limited to £10 or below its unlikely fraudsters will be interested in the cost of a sandwich and a cup of tea.

The lack of contact less- enabled terminals is another concern for Barclays. Retailers who have recently spent a whole chunk of change on Chip and PIN will be reluctant to cough up for more new terminals or bank EMV accreditation. For contact less technology to flourish, the vast majority of commercially available handsets have to incorporate NFC as standard. Currently, this is far from the case. Granted - the technology has yet to be compromised, but that’s probably because the cards can hardly be used anywhere. If they can’t be used, they can’t be compromised. Barclays has failed to live up to the initial target of twenty-thousand outlets and while contact less technology remains limited to the capital, retailers in other parts of the UK have no incentive to adopt it. It makes sense to introduce terminals to areas that currently don’t have them. Apparently, this is an area Barclays is ‘addressing.’

Where Barclays have led, others are sure to follow. It’s not certain that we’ll ever become a cashless society but the bank is certainly taking steps in the right direction. Contact less technology is here to stay, whether Barclays customers welcome the changes is another matter.



(Smartcard News Ltd, 2008)