Joseph Harkins

Joseph Harkins


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Joseph Harkins


SEPA Direct Debit Refund

The recent introduction of SEPA – the Single European Payments Area is an initiative by the EU to simplify Euro bank transfers. Part of SEPA is the ability for creditors to charge individuals bank accounts directly. While this concept isn’t anything new it has brought several improvements to the system and one little known [...]

Joseph HarkinsJoseph Harkins

Test driving the Irish banks

[dropcap]On[/dropcap] a brisk September morning I set out with the goal of taking on the Irish banks. An arduous task perhaps, however I was not interested in some truck stunt. Banks are an unusual organisation in their own right, requiring constant oversight (at least in hindsight). Banks are one of the few ‘purchasing’ [...]

Joseph HarkinsJoseph Harkins