From: "Alex" 
Newsgroups: uk.finance uk.legal
Subject: Re: Barclaycard....Advice needed
Date: 24 Jul 2006 21:11:29 GMT

At 21:38:07 on 24/07/2006, Fergus O'Rourke delighted uk.finance by
announcing:

> "Alex"  wrote in message
> news:4iel2hF3c9mdU1@individual.net...
> > At 13:37:04 on 22/07/2006, Tim delighted uk.finance by announcing:
> [snip]
> > > The things that their system is "geared
> > > around" are entirely at the banks own choice!
> > 
> > So you think that their systems should be geared around customers of
> > other organisations?
> 
> Who do you think the customer really is ?

Well the customer of Barclays Merchant Services certainly isn't Joe
Bloggs with his Halifax VISA.  And similarly, the customer of Lloyds
TSB isn't (in this example) FredCo Ltd.  So I'll rephrase the question
above.

Do you think that BMS's systems should be geared around Halifax's
customers?  Or Lloyds TSB's systems should be geared around Natwest
Streamline's customers?  Or do you think that each organisation should
gear their systems around their *own* customers and around the common
interfaces (APACS for regular banking and VISA/Mastercard/etc. for card
payments)?