2017

“Opening up may be good for you”
Article on Open Banking for equensWorldline, February 2017
also to be published in Worldline magazine and newsletter


“The future of instant payments: Are we investing billions just for mobile peer-to-peer payment?”
JPSS Journal of Payments Strategy & Systems, Volume 11, Number 1, Spring 2017, pp. 58-77(20), Henry Stewart Publications

“Instant Payments - der Türöffner für Innovationen im Zahlungsverkehr”
PPI Consultancy
forum “on the latest monumental topics” PayToday

“Making PSD2 access to accounts work in practice”
Open Banking and API Report 2017 - Innovation and Best Practices, The Payers

“Embrace the Changes”
joint interview with Wordline CEO and “Worldline’s internationally renowned PSD2 Programme Director, Michael Salmony” with the European Commissioner for Competition, Margrethe Vestager, on PSD2 and the EU Commission’s vision for the European financial market and the FinTech industry,
Money 20/20 magazine, pp44-47, June 2017

“Blockchain - not for Payments?”
FinTech Futures, KNect365 Finance, Payments International


2016

“Pan-European Mobile Peer-to-Peer Payment - and beyond”
closing paper in inaungural edition of Journal of Digital Banking, Volume One, Number One, Summer 2016, ISSN 2397-060X, pp85-93, Henry Stewart publications

“The Future Use of Instant Payments – from Infrastructure to Novel Applications“
in “Digital Payments - Revolution im Zahlungsverkehr - Geschäftsmodelle, Prozesse und Daten” (the first professional book on Digital Payments) with ECB etc, ISBN 978-3-95647-073-8, Sept 2016, pp57-82
Editors Prof. Moormann et al, Process Lab Frankfurt School of Finance and Management.
Launched/Presented as honorary visitor with Carl-Ludwig Thiele, Member of the Board of Deutsche Bundesbank at
Digital Payments 2016 - Revolution im Zahlungsverkehr Conference, Frankfurt

“Blockchain technology for payments: a real game changer or a short-lived illusion?”
featuring M. Salmony, ING Head of Transaction Business, Spanish National Central Bank, BCG etc published in the March 2016 Newsletter of the
European Payments Council EPC
cited by Prof. Krüger in
“The spread of branch banking and the demand for cash in post-war Germany”, “Research on Money in the Economy” (ROME), ISSN 1865-7052, October 2016
cited Salmony as “The Victor Meldrew of Blockchain
and in
Cash & Treasury Management

“Blockchain - not for payments ?” in LinkedIn with 500+ views in first week and article about my text, and republished by Payments International

Cited extensively (and wrongly) on “PSD2: The Ayers Rock of payments” in
Banking Technology December/January 2016

“Blockchain – not for payments?”
in
BIT Banking and Information Technology Band 17, Heft 2, Juli 2016 pp6-8
cited in “The Impact of Blockchain Technology on Business Models in the Payments Industry” by F. Holotiuk, F. Pisani and Jürgen Prof. J. Moormann, as part of research into Blockchain Technology in Payment and presented at international conference for Wirtschaftsinformatik St Gallen

“Opening up may be good for you: making PSD II access to accounts work in practice”
in
Banking Technology 16 Sept 2016 with 14.500 readers and 80.000 unique monthly visitors, SIBOS news racks all week, equensWorldline news, Payments International blog, tweeted

Opening Up may be Good for You
in “Banking International” and “Payments, Cards and Mobile” and “The Payers” with Anuschka Diderich, Nov 2016

“Making PSD2 access to accounts work in practice”
equensWorldline
blog, Dec 2016


2015

“UK Treasury issues call for evidence on banking APIs”
Title story in E-Finance & Payments Law & Policy, February 2015, volume 9 issue 2

“Setting up pan-European mobile P2P payment solutions”
in
E-Finance & Payments Law & Policy, May 2015, vol 9 issue 5, pp4-6

“Access to Accounts - why banks should embrace an open future”
in Finextra Research Survey “PSD2 and XS2A - Regulation or Opportunity?” published at EBAday, Amsterdam, May 2015

“Final compromise text of PSD2 fails to provide complete clarity”
cover page of E-Finance & Payments Law & Policy, June 2015, vol 9 issue 6

“Pan-European Peer-to-Peer Payment by Mobile Phone
- including considerations on technical and commercial implementation options”

BIT ibi Research, University of Regensburg, 2/2105, pp33-37
cited in Springer publication “Mobile Payments: The Second Wave”, republished in Equens public and intranet web site

“Pan-European Peer-to-Peer Payment by Mobile Phone”
on
Mobey Forum, the global industry association for thought leaders in banks and other financial institutions towards the future of mobile financial services.

“Paying the babysitter directly with mobile P2P-technology should be easy and safe”
on
Equens blog and

Paying the babysitter directly with mobile P2P-technology should be easy and safe. #Equens blog by @salmony. http://t.co/1ydFX6X7JL ^MW

— Equens (@Equens) August 27, 2015 " rel="external">tweet


“PSD2 will change Payments in Europe”
Equens, Nets and VocaLink build coalition-of-the willing and publish White Paper to bring topic forward
on
Equens blog

“Why not shape the PSD2 disruption yourself?”
on
Equens blog and tweet



2014

“Open Access Banking - The Threat from Non-Banks”
Cover story “Open Access Banks - surviving the tech challenge”
of
The Banker magazine, Financial Times, pp16-21, August 2014, tweet, tweet, tweet, ...

M. Salmony
“Access to accounts: Why banks should embrace an open future” in Journal of Payments Strategy & Systems, vol. 8 no. 2 pp 157-171 May 2014, tweeted about
Cited by EFMA, the global organisation of 3,300 retail financial services companies from over 130 countries
Cited in Thesis “An Exploration with Technology Acceptance Modelling into how PSD2 Could Improve User Interactions in Personal Finance”, University of Bath 2017

Preview published as Editorial
“The Concept of an Open Standard Interface for Controlled Access to Payment Services (CAPS)” in EPC Newsletter Issue 21 Jan 2014, cited by Springer publication “Transforming Payment Systems in Europe”, cited by Transactives - tweeted about by EPCA, Innopay and others

Published in
e-Finance & Payments Law & Policy under “Access to accounts: benefits for banks of an open future”, vol 8 issue 5 pp12-14 May 2014 and online with slightly improved/updated content

also published in German book under
“Zugriff auf Bankkonten durch Dritte - Chancen für Banken durch Öffnung”
Trends in Zahlungsverkehr II, pp221-244, with Bundesbank, EBA, Bearing Point, ATK, Hrsg Egner, Dittrich, Bank-Verlag 2015

also published under
“Why Banks should embrace an open future” in
EQ Magazine, pp28-29, 2014

also published under
“Controlled Access to Payment Services” in Equens’ European Blog, August 2014 and tweeted about


2013

Article by Alessandro Baroni on mobile financial services: “Il mobile payment una revoluzione nei systemi di pagamento”/“Alla scoperta dei mobile payments per le istitutzioni finanziarie”)
in Italian version of world-wide bestseller
“Re-inventing Financial Services” by Roger Peverelli “Reinventare i servizi finanziari”, May 2013

“Payments versus the automotive Industry”
in EQ Magazine June 2013, p 15
republished as “Why should we feel inferior to the car industry?” with a response by Prof. Penzel (ibi research) in Banking and Information Technology BIT October 2013 and republished by Equens

Gastbeitrag
“Biometrie: Ich bezahle mit mir selbst”
Autoren: Steinbach (CEO) und Salmony
In Technologieseite “Finanzen und Technik” der Börsenzeitung, 31.8.2013



2012


M. Salmony “Unleashing the Creativity of Clients - Innovation Process and Sounding Board”
and
“The Bumpy Road to Mobile”
in Equens’
EQ Magazine July 2012
referenced heavily in Introduction/Editorial and CEOs Article
Reprinted in
gtnews 7 Aug 2012 together with CEOs article under “How to Make Payment Pay” which came in the top 10 list of most read articles and was also the highest rated article in gtnews

M. Salmony
“Why is the use of cash persisting? Critical success factors for overcoming vested interests” originally published in JPSS (see 2011)
Reprinted in
gtnews 31 May 2012 with this CV and referenced in blog



2011

M. Salmony & Bo Harald, Chairman European Commission Expert Group on eInvoicing "E-Invoicing in Europe: Now and the future" in Journal of Payments Strategy & Systems, Vol. 4 No. 4 Dec 2010 pp 371-380 edited by IBM, McKinsey, Universities and (international and European (Central) Banks) etc. for an audience of over 1,500 senior industry professionals in 67 countries from financial institutions, as well as central banks, financial regulators, service providers, consultants and corporate treasurers.
Cited in
Master Thesis by Meng Tao, Dept of Business Technology, Aalto University, School of Economics, 2012
Cited by Hemandez-Ortega et al in
Information Systems and e-Business 2012
Cited Veselá at al in
Procedia Economics and Finance 2014
Cited Veselá, Radiměřský & Toulová, Faculty of Business and Economics, Mendel University in Brno, Czech Republic in
“Aspects of Electronic Document Sharing” ISSN 2045-810X, 2015
Cited in “Aspects of Electronic Document Sharing” of
International Journal of Sales Retail and Marketing Vol 4 No 5, Poland, 2015
Cited in “Onboarding customer companies to electronic invoicing platform–developing a marketing and a partnering strategy” in
Journal of Information Technology Teaching Cases, Springer Verlag, 2017
M. Salmony & Bo Harald:
"Elektronische Rechnungsabwicklung in Europa: Gegenwart & Zukunft" in: 2. Überarbeitete und Erweiterte Auflage von "Elektronische Rechnungsabwicklung - einfach, effizient, sicher. Teil I: Rahmenbedingungen und MarktüberblickEinführung" (ISBN 978-3-940416-21-6) S. 14-20 Herausgegeben von ibi Research an der Universität Regensburg in Kooperation mit dem Netzwerk Elektronischer Geschäftsverkehr. Gefördert durch das Deutsche Bundesministerium für Wirtschaft und Technologie

M. Salmony & Siebrand van der Ploeg
“Cash - and how to get rid of it. Legacy par excellence” Quote on p 19, article on pp 20-21, In Equens’ EQ Magazine 2011, May 2011

M. Salmony & M. Krueger
“Cash: in quest of an effective alternative to a ‘hidden foe’” published in Russian language in PLUS (Payments. Systems Cards.) Journal 5 (169), June 2011

M. Salmony
“Why is the use of cash persisting? Critical success factors for overcoming vested interests” in Journal of Payments Strategy & Systems, Vol. 5 No. 3 Sept 2011 pp 246-272
Reprinted in gtnews (see 2012)
Cited in
research report on “Rural Women Traders & Mobile Money Systems: Northern Ghana Women’s Cognitive Understanding & Perceptions” on Poverty Reduction in Ghana 2014
Cited in Malaysian
research report “Determinants of the demand for banknotes in Malaysia”, of Othman Yeop Abdullah Graduate School of Business, Universiti Utara Malaysia, 2015
Cited in “Apple - Pay, Towards the Acceptance of German Customers” in
Asian Social Science, Published by Canadian Center of Science and Education, 2015



2010

"Elektronische Rechnungsabwicklung in Europa: Gegenwart & Zukunft"
Michael Salmony & Bo Harald, Chairman European Commission Expert Group on eInvoicing BIT Band 10, Heft 3, Dez 2009 "Banking and Technology" des ibi Research an der Uni Regensburg und FIT European Research Centres for Finance and IT also in: "Elektronische Rechnungsabwicklung - einfach, effizient, sicher. Teil I: Rahmenbedingungen und MarktüberblickEinführung" (ISBN 978-3-940416-21-6) S. 14-20 Herausgegeben von ibi Research an der Universität Regensburg in Kooperation mit dem Netzwerk Elektronischer Geschäftsverkehr. Gefördert durch das Deutsche Bundesministerium für Wirtschaft und Technologie also as: White Paper Equens 2010

"Cash is King"
(see 2009) translated in Italian Employee Magazine

Expert Interview
by LBBW on Mobile NFC Payments

"E-SEPA: Online Banking e-Payments - the search for interoperability, e-Mandates - just beginning, e-Invoicing - highest return" 
in Equens’ EQ Magazine 2010 (pp30-32)

“Dial ‘S’ for SEPA”
quoted comment on Mobile Payments and SEPA in FX&MM magazine, 16.8.2010
“Anpassen oder Aussterben” (D edition) “Aanpassen of Uitsterven” (NL edition) in Equens Express Vol 1 No 2 2010



see
older publications, my patent, my thesis, diplomas I have supervised, where I have been cited etc.