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WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM VISA AND CRYPTOCURRENCY: INSIDE THE NETWORKS DIGITAL 16 hours ago · An industry that was previously plagued by volatility and speculation is beginning to see its enterprise-friendly side blossoming, and according to the card network, the opportunities are abundant – writes Daniel Webber, Founder and CEO of FXC Intelligence. “The world of digital currencies and crypto has moved and evolved quite significantly since the 2009 launch of Bitcoin,”explains
DIGITAL PAYMENTS: TOP TIPS FOR SECURING SOFTPOS PAYMENTS 1 day ago · Digital payments have sky-rocketed in popularity as consumers have sought new, more hygienic ways to pay. SoftPOS payments offer numerous benefits to consumers and merchants alike. BANK IDENTITY CHECKS PUSH ONE IN FOUR CONSUMERS TO A 16 hours ago · New data from FICO reveals the levels of consumer tolerance to new account opening security checks.With 23% of UK respondents admitting to going to a competitor if asked to visit a branch or post documents as part of the digital application process, it’s clear that financial services providers need to get the balance right on security checks and a smooth customer journey.MAY/JUNE 2021
It’s been four years since UK regulators fired the starting gun on Open Banking, followed closely by the EU and 36 other markets world-wide. As a major new study into Open Banking in Europe is published, we look at progress to date – and promise for the future. THE REASON EUROPE’S BANKS WANT EPI TO END US DOMINANCE IN 17 hours ago · But when Project Monnet collapsed in 2011, nobody was talking about the commercial threat from US tech companies; and the EU’s politicians had not just lived through the Trump presidency – according to an article in the FT.. Now, with those politicians convinced that a European payments system is a question of sovereignty, some of the currency area’s largest lenders have teamedup to
OPEN BANKING AT FOUR Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
PAYMENTS CARDS & MOBILE JOBS OF THE WEEK JUNE 07 If you are looking for a new and exciting role, then you are most certainly in the right place. We have so many amazing companies posting roles on the regular, and this week we decided to highlight three of them, who are all actively recruiting for exciting positions in the UK– writes Rebecca O’Keeffe, Content Creator, Jobbio. Checkthem out
BANKING ON RISK INTELLIGENCE: PROTECTING THE DIGITAL VAULT Banks and financial institutions face a complex set of circumstances when it comes to threat management and compliance risk. First, their “product” is the very thing that cybercrime perpetrators typically desire most – money – meaning that, unlike many other industries, they are directly targeted on the basis of their core activity, writes Josh Lefkowitz, CEO, Flashpoint. NEOBANKS IN SOUTH AMERICA South America has witnessed exceptionally dynamic growth and evolution of its neobanks landscape, with now more than 30 live digital banks that serve over 50 million customers out of the region’s 430 million+ population (+11%). DARK TALES: ILLEGAL E-COMMERCE ACTIVITY Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
DIGITAL PAYMENTS: TOP TIPS FOR SECURING SOFTPOS PAYMENTS 1 day ago · Digital payments have sky-rocketed in popularity as consumers have sought new, more hygienic ways to pay. SoftPOS payments offer numerous benefits to consumers and merchants alike. VISA AND CRYPTOCURRENCY: INSIDE THE NETWORKS DIGITAL 8 hours ago · An industry that was previously plagued by volatility and speculation is beginning to see its enterprise-friendly side blossoming, and according to the card network, the opportunities are abundant – writes Daniel Webber, Founder and CEO of FXC Intelligence. “The world of digital currencies and crypto has moved and evolved quite significantly since the 2009 launch of Bitcoin,”explains
THE REASON EUROPE’S BANKS WANT EPI TO END US DOMINANCE IN 9 hours ago · But when Project Monnet collapsed in 2011, nobody was talking about the commercial threat from US tech companies; and the EU’s politicians had not just lived through the Trump presidency – according to an article in the FT.. Now, with those politicians convinced that a European payments system is a question of sovereignty, some of the currency area’s largest lenders have teamedup to
BANK IDENTITY CHECKS PUSH ONE IN FOUR CONSUMERS TO A 8 hours ago · New data from FICO reveals the levels of consumer tolerance to new account opening security checks.With 23% of UK respondents admitting to going to a competitor if asked to visit a branch or post documents as part of the digital application process, it’s clear that financial services providers need to get the balance right on security checks and a smooth customer journey. PAYMENTS CARDS & MOBILE JOBS OF THE WEEK JUNE 07 If you are looking for a new and exciting role, then you are most certainly in the right place. We have so many amazing companies posting roles on the regular, and this week we decided to highlight three of them, who are all actively recruiting for exciting positions in the UK– writes Rebecca O’Keeffe, Content Creator, Jobbio. Checkthem out
MAY/JUNE 2021
It’s been four years since UK regulators fired the starting gun on Open Banking, followed closely by the EU and 36 other markets world-wide. As a major new study into Open Banking in Europe is published, we look at progress to date – and promise for the future. OPEN BANKING AT FOUR Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to NEOBANKS IN SOUTH AMERICA South America has witnessed exceptionally dynamic growth and evolution of its neobanks landscape, with now more than 30 live digital banks that serve over 50 million customers out of the region’s 430 million+ population (+11%). DARK TALES: ILLEGAL E-COMMERCE ACTIVITY Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EXPLORING CENTRAL BANK DIGITAL CURRENCIES: HOW THEY COULD 1.0 Introduction The emergence of central bank digital currencies (CBDCs) is gathering speed, with more than half of the world’s central banks actively considering their introduction. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
WORLDWIDE IMPACT OF 3D SECURE ON TRANSACTION CONVERSION Developed by the MasterCard and Visa card schemes, 3D Secure is an additional security layer for authenticating cardholders online. Traditionally, online merchants have adopted a binary view: they either implement 3D Secure across all transactions or not at all.By analyzing transactions processed on its payment platform, Adyen has detailed data about the impact of 3D Secure across its TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
DIGITAL PAYMENTS: TOP TIPS FOR SECURING SOFTPOS PAYMENTS 1 day ago · Digital payments have sky-rocketed in popularity as consumers have sought new, more hygienic ways to pay. SoftPOS payments offer numerous benefits to consumers and merchants alike. VISA AND CRYPTOCURRENCY: INSIDE THE NETWORKS DIGITAL 6 hours ago · An industry that was previously plagued by volatility and speculation is beginning to see its enterprise-friendly side blossoming, and according to the card network, the opportunities are abundant – writes Daniel Webber, Founder and CEO of FXC Intelligence. “The world of digital currencies and crypto has moved and evolved quite significantly since the 2009 launch of Bitcoin,”explains
THE REASON EUROPE’S BANKS WANT EPI TO END US DOMINANCE IN 8 hours ago · But when Project Monnet collapsed in 2011, nobody was talking about the commercial threat from US tech companies; and the EU’s politicians had not just lived through the Trump presidency – according to an article in the FT.. Now, with those politicians convinced that a European payments system is a question of sovereignty, some of the currency area’s largest lenders have teamedup to
BANK IDENTITY CHECKS PUSH ONE IN FOUR CONSUMERS TO A 7 hours ago · New data from FICO reveals the levels of consumer tolerance to new account opening security checks.With 23% of UK respondents admitting to going to a competitor if asked to visit a branch or post documents as part of the digital application process, it’s clear that financial services providers need to get the balance right on security checks and a smooth customer journey. PAYMENTS CARDS & MOBILE JOBS OF THE WEEK JUNE 07 If you are looking for a new and exciting role, then you are most certainly in the right place. We have so many amazing companies posting roles on the regular, and this week we decided to highlight three of them, who are all actively recruiting for exciting positions in the UK– writes Rebecca O’Keeffe, Content Creator, Jobbio. Checkthem out
MAY/JUNE 2021
It’s been four years since UK regulators fired the starting gun on Open Banking, followed closely by the EU and 36 other markets world-wide. As a major new study into Open Banking in Europe is published, we look at progress to date – and promise for the future. OPEN BANKING AT FOUR Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to NEOBANKS IN SOUTH AMERICA South America has witnessed exceptionally dynamic growth and evolution of its neobanks landscape, with now more than 30 live digital banks that serve over 50 million customers out of the region’s 430 million+ population (+11%). DARK TALES: ILLEGAL E-COMMERCE ACTIVITY Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years EUROPEAN CENTRAL BANK: COST OF INSTANT PAYMENTS TOO EXPENSIVE In a speech given by Fabio Panetta, Member of the Executive Board of the ECB, at the 14 th Payment Forum of Suomen Pankki − Finlands Bank, Helsinki, Mr Panetta said “I would like to discuss how we can promote digital, European, instant retail payment solutions that can be used by everyone, everywhere.”. Panetta took a swipe at the seeming failures of the EU to work harder at gaining a TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
BELGIUM: 1 IN 7 TRANSFERS HAPPENS VIA INSTANT PAYMENTS Since the start, 177.6 million instant credit transfers have been executed in Belgium. A record day was December 1, 2020 with no fewer than 512,655 instant payments. Today 1 transfer to 7 takes place instantaneously. The average amount of instant transfer was €574 in 2020. Source: Digital and Card Payments Yearbooks. HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISE Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years EUROPEAN CENTRAL BANK: COST OF INSTANT PAYMENTS TOO EXPENSIVE In a speech given by Fabio Panetta, Member of the Executive Board of the ECB, at the 14 th Payment Forum of Suomen Pankki − Finlands Bank, Helsinki, Mr Panetta said “I would like to discuss how we can promote digital, European, instant retail payment solutions that can be used by everyone, everywhere.”. Panetta took a swipe at the seeming failures of the EU to work harder at gaining a TOP 20 BNPL NATIONS RANKED BY E-COMMERCE SIZE AND MARKET SHARE Germany also ranks high with 19% of the e-commerce market attributed to the BNPL sector, while in Norway (15%), Finland (12%), Australia (10%), and New Zealand (10%), also holds a double digit value share within the e-commerce market. The Netherlands (9%), Denmark (8%) and Belgium (8%) also rank ahead of the UK in terms of the foothold ineach
HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
BELGIUM: 1 IN 7 TRANSFERS HAPPENS VIA INSTANT PAYMENTS Since the start, 177.6 million instant credit transfers have been executed in Belgium. A record day was December 1, 2020 with no fewer than 512,655 instant payments. Today 1 transfer to 7 takes place instantaneously. The average amount of instant transfer was €574 in 2020. Source: Digital and Card Payments Yearbooks.CONFERENCES
Self-Service Banking 2021 is the industry’s leading conference dedicated to self-service, fintech and digital banking. The event brings together over 1,000 international banks, innovative fintechs, leading suppliers, press and industry analysts at a unique event focused on addressing the critical question of how to leverage cutting-edge technology to bridge the physical and digital world. SOLVING PAYMENT SERVICES FOR SMES Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. DIGITAL PAYMENTS: TOP TIPS FOR SECURING SOFTPOS PAYMENTS 9 hours ago · Digital payments have sky-rocketed in popularity as consumers have sought new, more hygienic ways to pay. SoftPOS payments offer numerous benefits to consumers and merchants alike. OPEN BANKING AT FOUR Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to dateanalysis on
OPEN BANKING READINESS INDEX: AN IN-DEPTH PAN-EUROPEAN STUDY We are delighted to offer you the chance to download the Open Banking Readiness Index: The Future of Open Banking in Europe, a new, ground-breaking study into the development of Open Banking in Europe. 11 MAJOR BANKS TRIAL BLOCKCHAIN INTRADAY FX SWAP TRIAL Finteum revealed that the solution is planning live trades in late 2021 or early 2022.. According to BIS figures, global FX daily trading in 2019 amounted to $6.6 trillion daily, of which $3.2 trillion were FX swaps. So what’s the problem that intraday FX swaps aim to solve for banks? It’s about managing intraday liquidity. Too much liquidity or too big an intraday buffer may not earn an EL SALVADOR ROLLS THE DICE 10 hours ago · Congress approved President Nayib Bukele’s proposal to embrace the cryptocurrency, with 62 out of 84 possible votes, lawmakers voted in favour of the move to create a law to adopt Bitcoin, despite concern about the potential impact on El Salvador’s program with the International Monetary Fund.. Bukele has long supported the use of Bitcoin for its potential to help Salvadoransliving abroad
BANQUE DE FRANCE, SWISS NATIONAL BANK AND BIS ENTER CBDC TRIAL 11 hours ago · The Banque de France, Swiss National Bank and the BIS Innovation Hub have announced they will trial a wholesale CBDC HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? The huge global increase in connectivity, prompted by the launch of mobile devices, has affected banks just as much as retailers. As a result, financial institutions have had no choice but to put digital at the front and centre of their strategies – using technology to enhance the customer journey at every touch point, personalising services, combining channels, and using big data to makeDAILY NEWS ARCHIVES
Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISEDIGITALPAYMENTS INDUSTRY
Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
FIGHTING NEW TYPES OF PAYMENT FRAUD IN THE 2020S AND BEYONDSEE MORE ON PAYMENTSCARDSANDMOBILE.COMTYPES OF PAYMENT FRAUDFACEBOOK PAYMENT FRAUDPAYMENT FRAUD TRENDSFRAUD IN 2020 ELECTIONCASH APP FRAUD 20202020BALLOT FRAUD
UNLOCKING OPEN BANKING: CUSTOMER LOYALTY THROUGH PIS Unlocking Open Banking: Customer loyalty through payment initiation services. So far, though, PSD2 has not lived up to the hype: in the UK, one of the world’s Open Banking leaders, three-quarters of UK consumers surveyed in late 2018 were unaware of Open Banking’s benefits. However, this also creates a huge opportunity to stand out. DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years GLOBAL FINANCIAL INSTITUTIONS RACK UP $36 BILLION AML, KYC Global financial institutions rack up $36 billion AML, KYC and Sanctions fines. Fenergo released its findings on financial institution fines which shows that in December 2019 global penalties totalled $36 billion for non-compliance with Anti-Money Laundering (AML), Know your Customer (KYC) and sanctions regulations. HOW CAN WE TRUST BANKS? THE ISSUE OF TRUST IN MODERN SOCIETYAMERICAN BANK TRUSTBANK AND TRUST BANKBANK TRUST ACCOUNTCALIFORNIA TRUST AND SAVINGS BANKFIRST BANK WE At its simplest level, trust provides the link between the known and the unknown and enables us to connect to other people and ideas. Promises – will the bank honour the promises that it has made, explicit or otherwise, in relation to core services. Core values – will the bank, and is the bank able to, do the right thing by itscustomers
BANKING ON RISK INTELLIGENCE: PROTECTING THE DIGITAL VAULTSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISEDIGITALPAYMENTS INDUSTRY
Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
FIGHTING NEW TYPES OF PAYMENT FRAUD IN THE 2020S AND BEYONDSEE MORE ON PAYMENTSCARDSANDMOBILE.COMTYPES OF PAYMENT FRAUDFACEBOOK PAYMENT FRAUDPAYMENT FRAUD TRENDSFRAUD IN 2020 ELECTIONCASH APP FRAUD 20202020BALLOT FRAUD
UNLOCKING OPEN BANKING: CUSTOMER LOYALTY THROUGH PIS Unlocking Open Banking: Customer loyalty through payment initiation services. So far, though, PSD2 has not lived up to the hype: in the UK, one of the world’s Open Banking leaders, three-quarters of UK consumers surveyed in late 2018 were unaware of Open Banking’s benefits. However, this also creates a huge opportunity to stand out. DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years GLOBAL FINANCIAL INSTITUTIONS RACK UP $36 BILLION AML, KYC Global financial institutions rack up $36 billion AML, KYC and Sanctions fines. Fenergo released its findings on financial institution fines which shows that in December 2019 global penalties totalled $36 billion for non-compliance with Anti-Money Laundering (AML), Know your Customer (KYC) and sanctions regulations. HOW CAN WE TRUST BANKS? THE ISSUE OF TRUST IN MODERN SOCIETYAMERICAN BANK TRUSTBANK AND TRUST BANKBANK TRUST ACCOUNTCALIFORNIA TRUST AND SAVINGS BANKFIRST BANK WE At its simplest level, trust provides the link between the known and the unknown and enables us to connect to other people and ideas. Promises – will the bank honour the promises that it has made, explicit or otherwise, in relation to core services. Core values – will the bank, and is the bank able to, do the right thing by itscustomers
BANKING ON RISK INTELLIGENCE: PROTECTING THE DIGITAL VAULTSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CASHLESS TRANSACTION VOLUMES WILL MORE THAN DOUBLE BY 2030 1 day ago · The financial services industry is in the midst of a significant transformation, accelerated by the COVID-19 pandemic. And given the key role digitisation plays in the financial lives of more and more of the world’s population, electronic payments are at the epicentre of this transformation. PAYMENTS CARDS AND MOBILE, PAYMENTS RESEARCH, PAYMENTS Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. SOLVING PAYMENT SERVICES FOR SMES Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. BANK OF ENGLAND: DIGITAL MONEY AND CENTRAL BANK DIGITAL 1 day ago · The Bank of England has published a Discussion Paper which aims to broaden the debate around new forms of digital money and seek views on the Bank’s emerging thoughts on the subject.. These new forms of digital money could be publically or privately provided. Central Bank Digital Currency (CBDC) is the term used to describe the digital form of central bank money. BANKS SHOULD SEIZE THE OPPORTUNITY TO SERVE SMES BETTER In a new white paper, Johan Strand, Chief Financial Officer at Zimpler, argues that SMEs need better payment services as they recover from the pandemic.. Europe’s banks should seize this opportunity to improve their payment services, cement relationships with SMEs and grow revenues. Despite their economic importance, delivering great service to SMEs has long been a stumbling-block WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial FACEBOOK SETS UP F2 UNIT TO SUPERCHARGE PAYMENTS ACTIVITIES Facebook has revealed that it has set up a new business unit to address payments and commerce opportunities. David Marcus, a former PayPal President and co-creator of the Libra cryptocurrency project, has been hired to manage the new unit and its initiatives. HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to HOW FRAUDSTERS ARE ATTACKING OPEN BANKING WEAKNESSES We are particularly seeing a concerted effort by fraudsters to use phishing emails to convince users to log into fake websites and hand over sensitive information. As such, FinTechs and other small firms who are beginning to develop under the Open Banking banner need to begin educating their users as larger financial institutions do. HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISEDIGITALPAYMENTS INDUSTRY
Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
FIGHTING NEW TYPES OF PAYMENT FRAUD IN THE 2020S AND BEYONDSEE MORE ON PAYMENTSCARDSANDMOBILE.COMTYPES OF PAYMENT FRAUDFACEBOOK PAYMENT FRAUDPAYMENT FRAUD TRENDSFRAUD IN 2020 ELECTIONCASH APP FRAUD 20202020BALLOT FRAUD
UNLOCKING OPEN BANKING: CUSTOMER LOYALTY THROUGH PIS Unlocking Open Banking: Customer loyalty through payment initiation services. So far, though, PSD2 has not lived up to the hype: in the UK, one of the world’s Open Banking leaders, three-quarters of UK consumers surveyed in late 2018 were unaware of Open Banking’s benefits. However, this also creates a huge opportunity to stand out. DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years GLOBAL FINANCIAL INSTITUTIONS RACK UP $36 BILLION AML, KYC Global financial institutions rack up $36 billion AML, KYC and Sanctions fines. Fenergo released its findings on financial institution fines which shows that in December 2019 global penalties totalled $36 billion for non-compliance with Anti-Money Laundering (AML), Know your Customer (KYC) and sanctions regulations. HOW CAN WE TRUST BANKS? THE ISSUE OF TRUST IN MODERN SOCIETYAMERICAN BANK TRUSTBANK AND TRUST BANKBANK TRUST ACCOUNTCALIFORNIA TRUST AND SAVINGS BANKFIRST BANK WE At its simplest level, trust provides the link between the known and the unknown and enables us to connect to other people and ideas. Promises – will the bank honour the promises that it has made, explicit or otherwise, in relation to core services. Core values – will the bank, and is the bank able to, do the right thing by itscustomers
BANKING ON RISK INTELLIGENCE: PROTECTING THE DIGITAL VAULTSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM HOME - PAYMENTS CARDS & MOBILENEWSPUBLICATIONSRESEARCHCONSULTINGCONFERENCESADVERTISEDIGITALPAYMENTS INDUSTRY
Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. EUROPEAN PAYMENTS IN 2021: CARDS REMAIN NO. 1 FOR CONSUMERS European payments in 2021: Cards remain No. 1 for consumers. Amid rising hype about mobile wallets, P2P FinTech challengers and QR-code payments, this year’s Digital and Card Payments Yearbooks show a card segment in robust health, with business growing strongly. James Wood invites Europe’s central banks and payments players to showtheir
FIGHTING NEW TYPES OF PAYMENT FRAUD IN THE 2020S AND BEYONDSEE MORE ON PAYMENTSCARDSANDMOBILE.COMTYPES OF PAYMENT FRAUDFACEBOOK PAYMENT FRAUDPAYMENT FRAUD TRENDSFRAUD IN 2020 ELECTIONCASH APP FRAUD 20202020BALLOT FRAUD
UNLOCKING OPEN BANKING: CUSTOMER LOYALTY THROUGH PIS Unlocking Open Banking: Customer loyalty through payment initiation services. So far, though, PSD2 has not lived up to the hype: in the UK, one of the world’s Open Banking leaders, three-quarters of UK consumers surveyed in late 2018 were unaware of Open Banking’s benefits. However, this also creates a huge opportunity to stand out. DIGITAL PAYMENTS IN EUROPE TO HIT $802 BILLION IN 2020 The transaction value of the European mobile payments jumped 2.5 times in the last three years, rising from $17.4 million in 2017 to over $48 million in 2020. By the end of 2023, this figure is forecast to hit more than $111.4 million. The average transaction value per user in the mobile payments segment nearly doubled over the last three years GLOBAL FINANCIAL INSTITUTIONS RACK UP $36 BILLION AML, KYC Global financial institutions rack up $36 billion AML, KYC and Sanctions fines. Fenergo released its findings on financial institution fines which shows that in December 2019 global penalties totalled $36 billion for non-compliance with Anti-Money Laundering (AML), Know your Customer (KYC) and sanctions regulations. HOW CAN WE TRUST BANKS? THE ISSUE OF TRUST IN MODERN SOCIETYAMERICAN BANK TRUSTBANK AND TRUST BANKBANK TRUST ACCOUNTCALIFORNIA TRUST AND SAVINGS BANKFIRST BANK WE At its simplest level, trust provides the link between the known and the unknown and enables us to connect to other people and ideas. Promises – will the bank honour the promises that it has made, explicit or otherwise, in relation to core services. Core values – will the bank, and is the bank able to, do the right thing by itscustomers
BANKING ON RISK INTELLIGENCE: PROTECTING THE DIGITAL VAULTSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CONTACTLESS CARD FRAUD: MYTHS AND REALITIES EXPOSED No.3 myth: Large losses with stolen card. Because low value contactless transactions can be made without requiring a PIN code, this myth says that a thief could spend large amounts of money through many repeated small purchases. When a contactless card is reported lost or stolen, the issuing bank will cover for the small amounts, ifany, that a
TWO-THIRDS OF CONSUMERS DO NOT UNDERSTAND HOW PERSONALSEE MORE ON PAYMENTSCARDSANDMOBILE.COM CASHLESS TRANSACTION VOLUMES WILL MORE THAN DOUBLE BY 2030 22 hours ago · The financial services industry is in the midst of a significant transformation, accelerated by the COVID-19 pandemic. And given the key role digitisation plays in the financial lives of more and more of the world’s population, electronic payments are at the epicentre of this transformation. PAYMENTS CARDS AND MOBILE, PAYMENTS RESEARCH, PAYMENTS Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. SOLVING PAYMENT SERVICES FOR SMES Payments Industry Intelligence. Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping the future of payments. BANK OF ENGLAND: DIGITAL MONEY AND CENTRAL BANK DIGITAL 20 hours ago · The Bank of England has published a Discussion Paper which aims to broaden the debate around new forms of digital money and seek views on the Bank’s emerging thoughts on the subject.. These new forms of digital money could be publically or privately provided. Central Bank Digital Currency (CBDC) is the term used to describe the digital form of central bank money. BANKS SHOULD SEIZE THE OPPORTUNITY TO SERVE SMES BETTER In a new white paper, Johan Strand, Chief Financial Officer at Zimpler, argues that SMEs need better payment services as they recover from the pandemic.. Europe’s banks should seize this opportunity to improve their payment services, cement relationships with SMEs and grow revenues. Despite their economic importance, delivering great service to SMEs has long been a stumbling-block WORLD FINTECH REPORT 2021: THE LATEST UPDATE ON THE GLOBAL World FinTech Report 2021: The latest update on the global market. Following on from the World FinTech Report 2020, FinTechs are approaching their next maturity milestone – profitability – as they demonstrated resilience during the COVID-19 pandemic with verticals recording double-digit growth despite sector-wide operational and financial FACEBOOK SETS UP F2 UNIT TO SUPERCHARGE PAYMENTS ACTIVITIES Facebook has revealed that it has set up a new business unit to address payments and commerce opportunities. David Marcus, a former PayPal President and co-creator of the Libra cryptocurrency project, has been hired to manage the new unit and its initiatives. HOW CAN BANKS BUILD A GENUINE, EFFECTIVE DIGITAL CULTURE? A digital approach is a people-first approach. To deliver a digital experience to their customers, financial institutions need to build a digital culture into their processes and foster this among their staff. They also need to remember that investing in technology alone doesn’t make them digital. That’s because ultimately, any digital X5 SUPERMARKET CHAIN LAUNCHES FACE PAY TECHNOLOGY X5 supermarket chain launches Face Pay technology. Russia’s largest food retailer, the X5 Group, has partnered with Visa and Sber to launch Face Pay biometrics at self-service checkout terminals in its stores, the facial recognition payment system may be expanded to HOW FRAUDSTERS ARE ATTACKING OPEN BANKING WEAKNESSES We are particularly seeing a concerted effort by fraudsters to use phishing emails to convince users to log into fake websites and hand over sensitive information. As such, FinTechs and other small firms who are beginning to develop under the Open Banking banner need to begin educating their users as larger financial institutions do.trending
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* Payment as a Service market set to hit 25.7 billion with CAGR of16.9%
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NETS AND WORLDLINE JOIN EPI AS FIRST 3RD PARTY ACQUIRER AS DEPLOYMENTGATHERS PACE
25 Nov 20 @ 13:08
The European Payments Initiative (EPI) has entered its next phase and has announced Worldline and Nets as shareholders of the EPI Interim Company, as the first third-party acquirers to join... moreNews
RESEARCH NOTE: BANKS FACE MAJOR CHALLENGES MAINTAINING REVENUES FROMPAYMENTS
25 Nov 20 @ 12:53
Payments and accounts services are at the core of banks’ offering to customers. They contributed about a third of European banks’ total revenues in 2019, and represent banks’ leading source... moreNews
DEUTSCHE BANK WEIGHS UP ACQUISITIONS TO BEEF UP PAYMENTS BUSINESS24 Nov 20 @ 16:53
Deutsche Bank is reported to be in the market actively looking for acquisitions and joint ventures to help Germany’s largest lender hit its goal of becoming a major force in... moreNews
MOBILE MALWARE SOARS IN ASIA WITH 97% TRANSACTIONS FLAGGED ASFRAUDULENT
24 Nov 20 @ 16:21
In Q3 2020 there has been a consistent and significant increase in mobile malware activity with Asia at the epicentre, according to new data published by Secure-D, which currently covers... moreNews
EUROPE PUSHING TO BE FIRST WITH DIGITAL EURO – BUT RISKS ARE REAL23 Nov 20 @ 15:53
Christine Lagarde, the head of the European Central Bank, appears serious about a digital euro. Barely a month after the central bank issued a major report on the topic, and opened a public...more
News
CYBER CRIME COSTS RISING: INTERNAL FAILURES MOST COMMON CAUSE OF CLAIMS FOR COMPANIES23 Nov 20 @ 15:29
External attacks on companies result in the most expensive cyber crime insurance losses, but it is employee mistakes and technical problems that are the most frequent generator of claims by... moreNews
GOOGLE PAY MAKEOVER MOVES IT INTO THE LIFESTYLE SUPER APP FAST LANE20 Nov 20 @ 17:26
Google Pay has received a full blooded update. The company announced it has completely revamped the app for its mobile payment system, maintaining the same abilities as before to send... moreNews
FOLLOW THE MONEY: AN INVESTIGATION INTO MONEY LAUNDERING TACTICS20 Nov 20 @ 12:05
A new report, ‘Follow the Money’, describes the complex web of money laundering, money mules, front companies and cryptocurrencies that criminals use to siphon funds from the financial system after...more
News
BRAZIL LAUNCHES INSTANT PAYMENTS SYSTEM CALLED PIX19 Nov 20 @ 16:59
The Central Bank of Brazil has announced it will launch an instant payments platform, called Pix, that will speed up and simplify transactions, as well as foster financial sector competition... moreNews
THE RISE OF THE PLATFORM – WHERE IS FINTECH GOING NEXT?19 Nov 20 @ 13:16
FinTech and Payments (PayTech) has been an investor focus for years. And while many FinTech payments ventures have seen big successes, we’ve only just begun. In this article, Payments Cards... moreNews
PAYMENT INITIATION SERVICES TO DRIVE ADDITIONAL REVENUE FOR RETAILSECTOR
18 Nov 20 @ 17:32
An international study of over 1,000 senior professionals in the banking, lending, PFM, investment, and retail sectors has revealed that two thirds (66%) of retailers using Open Banking are already...more
News
COVID-19 DRIVES ENORMOUS GROWTH IN CONTACTLESS PAYMENTS IN NORDICS18 Nov 20 @ 16:56
Contactless payments have taken a leap forward during 2020, in part driven by concerns around the potential spread of COVID-19. In the Nordics, the contactless payment ratio has grown from... moreNews
SEPA INSTANT PAYMENTS FOR CORPORATES ARE GAINING TRACTION IN EUROPE18 Nov 20 @ 10:10
Since the launch of the SEPA Instant Credit Transfer Scheme (SCT Inst) in 2017, major European banks such as BNP Paribas have supported instant payments for domestic cases. Some of... moreNews
HOW TECHNOLOGY CAN BOOST TRAVELLER CONFIDENCE AND ACCELERATE DEMAND17 Nov 20 @ 18:56
As 2020 comes to an end, leaders in governments and key industries are working to determine how people can safely return to work, particularly in travel and tourism where jobs... moreNews
WHAT STEPS ARE THE ECB TAKING TO ENSURE PAN-EUROPEAN REACH OF INSTANTPAYMENTS?
16 Nov 20 @ 20:04
The European Central Bank’s (ECB) Governing Council, in line with the European Commission’s (EC) objectives, has taken an important move towards the full reach of instant payments across the euro...more
News
NEXI AND NETS AGREE BINDING FRAMEWORK AGREEMENT FOR ALL-SHARE MERGER16 Nov 20 @ 19:41
Following the announcement made on 2 November 2020, Nexi and Nets, controlled by a consortium of private equity firms led by Hellman & Friedman (“H&F”), announced that they have signed... more* 1
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The inevitable rise and rise of the digital wallet09 Nov 20 @ 19:46
Although the digital wallet has existed for over 20 years now, it’s only within the last decade that they have rapidly evolved, revolutionising the way we sea... more Infographic: Consumers embrace the convenience and security ofcontactless
06 Nov 20 @ 16:42
Pre-COVID, over 40% of consumers surveyed used contactless payment daily or almost daily, most with a smartphone. Uses for contactless technology beyond payment... more Payment as a Service market set to hit 25.7 billion with CAGR of16.9%
02 Nov 20 @ 19:25
The global payment as a service (PaaS) market size was valued at $6.2 billion in 2019 and is expected to grow at a compound annual growth rate (CAGR) of 16.9% f... more PAYMENTS INDUSTRY INTELLIGENCE Payments Cards & Mobile is the go-to market intelligence hub for global payments news, research and consulting. Leveraging 15 years of data across 43 markets, our award-winning resources and expertise provide impartial, up to date analysis on the issues shaping thefuture of payments.
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