These book­marks will take you to the various white papers on this site.

Some white papers are freely avail­able to down­load. Please select their titles to down load them.

Some white papers have a check box against their titles. To obtain these white papers, please select the check boxes against the titles that you want, press submit, and follow the instruc­tions. These doc­u­ments will be emailed to you.

Tereon® — an over­view

This paper provides a one-​page over­view of Tereon. It is avail­able for imme­diate download.

Innov­a­tion in payments

Innov­a­tion in Pay­ments — an overview

This paper is the first in the series ‘Innov­a­tion in pay­ments’, which sets out Kalypton’s per­spect­ives on the pay­ments industry’s emer­ging and unmet needs. It briefly sum­mar­izes the three main papers below, and sets out why we believe Tereon is the solu­tion to those needs. This paper is avail­able for imme­diate download.

The tend­ency is for pay­ments tech­no­logy pro­viders to offer point solu­tions to indi­vidual needs. Today’s point solu­tion could become tomorrow’s legacy system to be worked around or to be patched in to tomorrow’s best prac­tice pay­ment network.

We believe that Tereon is a superior point solu­tion to a cur­rent need for a mobile pay­ments solu­tion which is highly secure and NFC ready. Tereon facil­it­ates the offer of low cost banking ser­vices including sav­ings to those who do not cur­rently enjoy such a ser­vice and across all reg­u­latory regimes. How­ever, it is much more than that.

It is a powerful and flex­ible devel­op­ment tool which can evolve into a pay­ment solu­tion for an indi­vidual ser­vice pro­vider which is ubi­quitous and remains ubi­quitous as the busi­ness evolves. A Tereon deploy­ment con­trib­utes to cre­ation of the pay­ment net­work of the future together with other deploy­ments of Tereon or other ISO 20022 com­pliant solu­tions and facil­it­ated by a vendor neutral backbone.

Innov­a­tion in pay­ments — the central banker’s perspective

This paper takes the per­spective of the reg­u­lator of, or policy maker for, the pay­ments net­work at national or regional level to con­sider what this audi­ence might want a future pay­ments net­work to look like.

Innov­a­tion in pay­ments — the pay­ment provider’s perspective

This paper looks at the require­ments of an indi­vidual pay­ments ser­vice pro­vider and develops the notion of a ubi­quitous pay­ments solution.

Innov­a­tion in pay­ments — the Tereon® proposition

In this paper we con­sider the archi­tec­ture and fea­tures of Tereon® which qualify it for con­sid­er­a­tion by indi­vidual pay­ments ser­vice pro­viders as the source of that ubi­quitous pay­ments solution.

The prize of an effi­cient effective and secure digital pay­ments net­work con­necting us all is immense and can only be accessed via tech­nical innov­a­tion. The his­tory of the pay­ments industry is littered with innov­a­tions which looked highly prom­ising from an indi­vidual per­spective but then foundered. Any sub­stan­tial innov­a­tion must —

• work at the policy level and at the oper­ating level;
• sat­isfy the needs of every stake­holder in the oper­ating solution;
• inter-​operate with other oper­ating solu­tions; and
• offer ways to over­come embedded bar­riers to change in the existing infrastructure.

This is the chal­lenge in this industry which is at the heart of modern life and which is about con­nec­ted­ness and trust more than any other.

Com­pli­ance is free

Com­pli­ance is often viewed as a busi­ness over­head that restrained the organ­iz­a­tion. Quality man­age­ment, too, was once viewed as a over­head. How­ever, Philip Crosby, in his book entitled ‘Quality is Free: The Art of Making Quality Cer­tain’ changed that view and showed that, cor­rectly man­aged, Quality could become a source of profit.

Reg­u­la­tion is about to go through a com­par­able trans­form­a­tion. The require­ment is not going to go away. Society needs to see busi­ness comply with its expect­a­tions. There have been too many breaches of trust and fail­ures of self-​governance for this not to be the case. Com­pli­ance is a form of quality and it too can be ‘free’. This paper is avail­able for imme­diate download.

Undeniable® — an over­view

This paper provides a one-​page over­view of Undeni­able. It is avail­able for imme­diate download.

Innov­a­tion in com­pli­ance and data management — Undeniable®

Organ­iz­a­tions today face a seem­ingly never-​ending growth of elec­tronic inform­a­tion and data gen­er­ated by their everyday activ­ities. This inform­a­tion or data could expose them to any number of risks. The com­plex legal and reg­u­latory land­scapes within which they operate simply add to this burden, and organ­iz­a­tions and inter­ested third parties find it dif­fi­cult to assess the ever increasing risks that they face. This paper describes how organ­iz­a­tions can imple­ment a solu­tion to help manage and reduce those risks.

The paper refers to three hand­books. You can obtain the short con­tents list of those hand­books below, together with an example index page:

Inform­a­tion and data man­age­ment and assur­ance policy

Inform­a­tion and data man­age­ment and assur­ance policy handbook

Inform­a­tion and data man­age­ment and assur­ance policy user handbook

Sample index page

Achieving com­pliant email and archive solutions

This white paper explains why many existing solu­tions and approaches cannot truely claim to offer com­pli­ance. It then goes on to set out some of the func­tion­ality of a com­pliant solu­tion at a high level.

Com­pliant elec­tronic records man­age­ment: email compliance

Email com­pli­ance is more than just archiving. This white paper covers the issues and require­ments for achieving a com­pliant email solution.

Why do you want to archive?

A white paper that briefly dis­cusses the need to archive elec­tronic data cor­rectly in any com­mer­cial organ­iz­a­tion or industry.

Kalypton Lim­ited was pleased to con­tribute to the fol­lowing white papers in the Microsoft Fin­an­cial Ser­vices White Paper series on com­pli­ance. Microsoft has requested that we peri­od­ic­ally provide detail of the down­loads of these papers. We will only provide the inform­a­tion that we request on the sub­mis­sion form. Please see our pri­vacy policy for fur­ther details.

Com­pli­ance: An Overview

Com­pli­ance is not a new issue. How­ever, its pro­file has been raised sig­ni­fic­antly by recent well known scan­dals and the cor­res­ponding reac­tions by reg­u­lators and legis­lators to tighten existing reg­u­la­tions or pass new ones. Com­pli­ance lies at the heart of an organ­iz­a­tion and its repu­ta­tion, affecting how it is run, how it oper­ates on a daily basis, how it attracts new busi­ness and what it does to retain customers.

Anti-​Money Laun­dering Compliance

Anti-​money laun­dering com­pli­ance is an example of a legal oblig­a­tion placed on any person or organ­iz­a­tion. Fin­an­cial ser­vices pro­fes­sionals have a duty to report a sus­pi­cious trans­ac­tion although detailed record keeping require­ments are cur­rently only defined by the fin­an­cial sector regulators.

Ana­lytics and Data Management

Ana­lytics adds a fur­ther dimen­sion to the record keeping require­ments by com­pel­ling an organ­iz­a­tion to not only keep trans­ac­tional records, but also records of the decisions and the decision making pro­cesses relating to those transactions.

Com­plaints Management

Com­plaints man­age­ment is an area in which organ­iz­a­tions have spe­cific com­pli­ance require­ments. The majority of com­panies provide some form of help desk or after-​sales ser­vice but many, espe­cially those in the reg­u­lated indus­tries may not realize that they have an oblig­a­tion to provide spe­cific inform­a­tion to the regulator.