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28 MAY 2018
This is the site of Card & Payments World, the well respected international newsletter providing in depth information on mobile, card and online payments. Subscribe to access this daily news and resource site. Subscribers also receive 11 printed newsletters a year.

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article thumbnail Friday, 25 May 2018

First Data exits several European markets
Further processing consolidation, but US giant denies complete Europe departure Read more ...

 
     

Latest feature
     
 
Open Banking – who do you trust?

Post-PSD2, the future strategies of banks are being driven by ‘double fear’ – fear of becoming a dumb pipe and fear of missing out (FOMO). How can they maintain customer trust and deal with the fintech challenge, and what are the opportunities for fintechs themselves?
Mark Palmer of Maverick Planet explains.

Read more ...
 
     
 
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    Features   
 
     
 
Card & Payments World | News - Fraud and SecurityThursday, 24 May 2018

Bank chats with customers to stop fraud
Challenger enables ‘fraud conversation’ feature on app

Read more ...

Card & Payments World | News - Company newsThursday, 24 May 2018

Ant Financial partners with bank on digital transformation
Link with Chinese high street player Read more ...

article thumbnail Card & Payments World | News - FintechWednesday, 23 May 2018

Ex-Visa boss heads crypto bank
Payments expert will head development of mobile app
Read more ...

Card & Payments World | News - Fraud and SecurityTuesday, 22 May 2018

The top 5 cyberattack threats to banks in 2018
Report identifies main ‘high tech wrecking balls’ Read more ...

article thumbnail Card & Payments World | News - Loyalty/MarketingTuesday, 22 May 2018

Smart POS terminals incorporate loyalty platform
Range of bundled services available to merchants Read more ...

Card & Payments World | News - FintechMonday, 21 May 2018

Bank to launch blockchain payments platform
Trial of FI’s own digital currency planned for 2019 Read more ...

article thumbnail Card & Payments World | News - Customer InsightMonday, 21 May 2018

Speed of bank digital transformation creates new risks
Banks "need more than just a firewall"
Read more ...

article thumbnail Card & Payments World | News - Corporate cardsFriday, 18 May 2018

iZettle bought for US$2.2bn
IPO plans changed after takeover approach
Read more ...

article thumbnail Card & Payments World | News - Fraud and SecurityThursday, 17 May 2018

Bank fears over APP fraud reimbursement plans
New code for push payment scams due in September Read more ...

Card & Payments World | News - AcquiringWednesday, 16 May 2018

Worldline buys processor for €2.3bn
Latest industry consolidation creates major new player Read more ...

Card & Payments World | News - Corporate cardsTuesday, 15 May 2018

Facebook becomes FIDO Alliance board member
Company joins efforts reliance on password Read more ...

Card & Payments World | News - FintechMonday, 14 May 2018

Poland puts bank records on blockchain
Major banks back initiative Read more ...

article thumbnail Card & Payments World | News - Card networksThursday, 10 May 2018

Deutsche Bank plans to by-pass cards
Airline system challenges established processing fee model Read more ...

article thumbnail Card & Payments World | News - FintechThursday, 10 May 2018

Voice AI plays a big part in Google’s future
3-5 years before Assistants converse as humans
Read more ...

article thumbnail Card & Payments World | News - ManufacturingWednesday, 09 May 2018

CPI Card Group continues struggle to profit
Payment card growth hit by several factors
Read more ...

Card & Payments World | News - Corporate cards
iZettle bought for US$2.2bn
Friday, 18 May 2018

Card & Payments World | News - Regulation
GDPR phishing warning
Friday, 04 May 2018

Features - Regulation
Final agreement on Fifth AML Directive proposals
Wednesday, 04 April 2018

article thumbnail Features - RegulationWednesday, 04 April 2018

Final agreement on Fifth AML Directive proposals
- Consensus on anti-money laundering amendments including prepaid cards and virtual currencies
- The major provisions affecting banks
- Patchy adoption of Fourth AML Directive across EU
- Timeline for adoption of AMLD5
Read more ...

article thumbnail Features - Innovation/TechnologyMonday, 26 March 2018

Acquiring: Consolidation is coming to a place near you
- How M&A will shake up acquiring as regulation starts to bite
- Industry under threat from multiple marauders
- What benefits can PSD2 bring?
- Starling Bank bucking theft trend


MPE, the ever growing merchant acquirer and processor focused conference that takes place in Berlin every year, was an interesting place to be. Read more ...

article thumbnail Features - Innovation/TechnologyThursday, 08 March 2018

Acquiring potential in an unstable world
To mark International Women’s Day on March 8 we are profiling one of the top payments professionals - Andrea Dunlop - who is justifiably described as one of the “Inspirational Women” in our industry. Andrea is a strong supporter of women in business and recently took part in the march4women in London. As well as being CEO of the acquiring and card solutions division of PaySafe Group, Andrea is also advisory board chair of the Emerging Payments Association. Read more ...

article thumbnail Features - Innovation/TechnologyWednesday, 20 December 2017

Banks face battle to retain control of acquiring
– The wolves at the acquiring door
– Carrefour Group harmonises payments into shopping
It has never been easy to break into payments acquiring and processing. Dominated by the infrastructure pipes of Visa and Mastercard, with American Express an important third, until relatively recently, payments were virtually ignored by governments and regulators, beyond ensuring they were safe. Read more ...

article thumbnail Features - Innovation/TechnologyThursday, 02 November 2017

Money 2020 report: Getting ready for the reinvention of payments
Prime focus on blockchain, cryptocurrencies, AI and AR

Trying to sum up the main trends and discussion points from a conference as massive as Money 20/20 is not an easy task but as always, there are some subjects that gain the biggest audiences and yet again, blockchain was one of them. Read more ...

article thumbnail Features - Internet PaymentsThursday, 05 October 2017

PayPal uses partnerships to build multichannel power
24 separate deals in 18 months expand customer offering both online and in-store Faced with growing digital payments competition from rivals such as Amazon and Square, PayPal is pursuing an aggressive strategy of partnerships to expand its payments offering to consumers both online and offline. Read more ...

article thumbnail Features - RegulationThursday, 10 August 2017

Ten years on, what have we learned?
The financial crash was caused by “creative thinking” and therefore could happen again
Read more ...

article thumbnail Features - Innovation/TechnologyMonday, 03 July 2017

The business of payments funding part 2: Why payments startups fail
A business model that does not scale and an insufficiently differentiated product  are the biggest barriers to success

Banks are increasingly looking to partner with fintechs and payments start-ups on digital initiatives. Linking with agile and innovative new players can offer tremendous capabilities to major banks in solving problems and driving effective modernisation of operations, technology, processes and services. Read more ...

article thumbnail Features - Innovation/TechnologyMonday, 26 June 2017

The business of payments funding part 1: Sources for funding
There are a variety of funding sources for payments fintechs, but these potential backers are all looking for one thing above everything else – growth

Payments companies received one third of total global fintech investment since Q1 2015.

The US and UK are by far the biggest investors in payments fintechs accounting for around 50% of global deals, followed by India and Japan Read more ...

article thumbnail Features - Mobile/ContactlessMonday, 27 March 2017

Norway Payments Market Report
Norway’s mobile payments market is accelerating fast, but still somewhat behind its Nordic neighbours in terms of development.

DNB’s Vipps and Danske Bank’s MobilePay are the two main competing m-payment offerings in Norway, but a “bridge” is needed to link the Nordic schemes and fight international competition, according to the head of MobilePay Norway. Read more ...

article thumbnail Features - Customer InsightFriday, 24 February 2017

Creating a German payment champion
Concardis, which has a one-third share of the German payment acquiring market, was recently sold by its bank owners to private equity companies Bain Capital and Advent International.

CEO Marcus Mosen explains the reasons for the sale and the company’s ambitious plans for expansion, at home and abroad. Read more ...

article thumbnail Features - Customer InsightWednesday, 25 January 2017

50 days to fix India's demonetisation troubles
Editor Annich McIntosh travelled through India last month, experiencing demonetisation first hand. This is what she found. Travelling through India over the new year, the queues at ATMs, the constant quest for cash and the problem of finding appropriate rupee notes for small purchases and tipping people are some of my lasting memories. Read more ...

article thumbnail Features - Innovation/TechnologyTuesday, 13 December 2016

Blockchain & Payments Report
- Comprehensive listing and details of the major blockchain payments providers
- Mixed adoptance picture as central banks hold key to deployments
- Major FIs partner for interbank blockchain payments
- Visa stakes its claim with scheme for 2017
- SEB starts payments network Read more ...

article thumbnail Features - Innovation/TechnologyFriday, 02 December 2016

Barclaycard: 50 years old and not afraid to fail
Exclusive interview with MD global payment acceptance Paulette Rowe From those early days in the sixties when it was one of the first credit card issuers, through the early mobile payments and contactless era and into wearables, Barclaycard has never been afraid to test, or to fail. Read more ...

article thumbnail Features - Innovation/TechnologyMonday, 07 November 2016

P2P Lending Report
- Comprehensive listing and details of of the major global platforms
- P2PFA seeks tougher rules
- Global market tops US$375bn
- Huge commercial opportunities
- Crowdfunding and P2PFrom its beginnings with Zopa in 2005, the peer-to-peer (P2P) lending market has rapidly expanded with global payments estimated to be worth US$375bn in 2015. Read more ...

article thumbnail Features - RegulationThursday, 20 October 2016

Making the best of Brexit
There were two good reasons for attending the Brexit & Global Expansion Summit in London.
Firstly to find out if anyone can shed some light on plans for the UK exit from the EU, and secondly to explore the fierce pace of the “Digital Transformation” that is redefining the payments industry Read more ...

article thumbnail Features - RegulationMonday, 26 September 2016

PSD2 will not be implemented in the UK
- VocaLink planning European base
- Special Q&A with David Yates, CEO of VocaLink PSD2 will not be implemented in the UK, which is in the process of planning its own, very similar Open API rules for payments. Read more ...

article thumbnail Features - Mobile/ContactlessThursday, 22 September 2016

Raphaels works towards role as bankers' banker
Raphaels Bank has added Apple Pay functionality to its prepaid travel card, Cash Passport. This much we know. Where it gets interesting is how they have done it, why, and what happens next for this ambitious and longstanding bank that is turning itself into a fintech company.   Read more ...

article thumbnail Features - Payment SchemesMonday, 01 August 2016

SPECIAL REPORT
Rewards crowdfunding continues to make waves

Plutus Tap & Pay raises £1m in nine days for cryptocurrency product
With the news that Plutus, the London-based cryptocurrency payment platform has raised over £1m in less than ten days of launching a crowdfunding campaign the spotlight is once again on peer to peer lending to fund major projects especially rewards based crowdfunding initiatives. Read more ...

article thumbnail Features - Innovation/TechnologyTuesday, 26 July 2016

Blockchain: Interesting proposition or alchemy?
- The case for and against using the blockchain for payments
- Specific use case examples
- Potential for use as a cash replacement and for everyday retail payments
Read more ...

Features - Reports/DataMonday, 27 June 2016

ITALY: Country report
Restructuring and sell-offs change payments landscape
Increased confidence boosts card issuance
Charts:
Payment instrument use in Italy by value
Payment cards in use in Italy 2009-2015
Payment instrument use in Italy by volume

Read more ...

article thumbnail Features - Payment SchemesMonday, 27 June 2016

Why won't M-Pesa work anywhere else?

Mobile money transactions in Sub-Saharan Africa hit US$656m in 2014, and could more than double to US$1.3bn in the next four years, but M-Pesa, which is used by half the Kenyan population seems untransportable to other markets. With the help of Adeniyi Adeyemi of CR2, we ask why?From a standing start in 2007,it is now estimated that over half the population of Kenya use the M-Pesa mobile money service to transact. Yet it was an outright failure in South Africa, and a struggle in most other markets. Read more ...

article thumbnail Features - Payment SchemesWednesday, 06 April 2016

Payments has trouble with descriptions
MERCHANT ACQUIRING REPORT
It used to be fairly straightforward to identify the various parties in payments when mostly it was about cards. There were issuers, merchant acquirers, merchants themselves and of course the end user consumers - but now everything has changed. Read more ...

article thumbnail Features - RegulationThursday, 28 January 2016

Upcoming payments regulation: A checklist
The Second Payments Services Directive and the Interchange Fee Regulation have attracted much of the attention in the payments industry, but there are many regulatory initiatives approaching in Europe that will have global effects on the financial sector. Read more ...

article thumbnail Features - Innovation/TechnologyThursday, 03 December 2015

Disruption, disintermediation and change: Facing up to the challenges
The growth in new and often unexpected technology advances is resulting in a complete mindset change for banks and those tasked with ensuring their survival. Read more ...

Features - RegulationTuesday, 01 December 2015

What cost compliance  under new EU data law?
All companies will be impacted by the General Data Protection Regulation (GDPR) but degree of awareness and cost analysis vary

The EU data law General Data Protection Regulation(GDPR) is due to come into effect in December 2017. The EC intention is to unify data protection within EU with a single law because the current EU Data Protection Directive 95/46/EC does not sufficiently consider important aspects like globalization and technological developments including social networks and cloud computing. Read more ...

article thumbnail Features - Payment SchemesFriday, 02 October 2015

The future of payments: get ready for a shift in network demands
As Visa moves forward its decision to reduce floor limits, what will the change mean for merchants – and what steps should be taken now to avoid chaos later in the year? Article by Kevin Burns of Vodat International. Read more ...

article thumbnail Features - Customer InsightFriday, 25 September 2015

Is it bye bye to banks?
Faced with competition from new FIs, bank-to-bank transfer services, bill-me-later companies, aggregators and bitcoin, how are banks supposed to operate in this new, disjointed world? Read more ...

article thumbnail Features - Mobile/ContactlessFriday, 11 September 2015

Mobile pay - state of play
Apple Pay progress so far, and latest from Samsung Pay, Android Pay, Google and Zapp

It is almost a year since Apple launched Apple Pay to a welcoming US market, on October 20, 2014. Here are some figures which chart its progress and an overview of the other contending mobile payments giants. Read more ...

article thumbnail Features - Fraud and SecurityTuesday, 25 August 2015

The balancing act: Ensuring payment security and ease of use
The dramatic surge of emerging payments methods has led to the sense of a "Wild West" in terms of online payment security. Can behavioural biometrics provide a solution? Read more ...

article thumbnail Features - Innovation/TechnologyWednesday, 22 July 2015

Two clear trends for payments opportunity - not centred on retail
P2P lending and mobile money transfers hit new highs

It is often all too easy to miss the obvious when looking for a business opportunity. Read more ...

article thumbnail Features - Innovation/TechnologyTuesday, 14 July 2015

The Future of Payments: How close is a truly open system?
Choice is key in the new payments landscape, but customers (and merchants) face an array of new offerings they must choose whether to utilise. What is the place of the established bank and network players in this new order, and are they truly committed to opening up payments? Read more ...

article thumbnail Features - Reports/DataTuesday, 30 June 2015

Denmark country report: Plan to ban cash hits the buffers
- Change of government causes postponement of initiative
- M-payments: Danske Bank Plans plans to develop MobilePay system into a national standard that can incorporate other systems at the point of sale
- Tables and market data Read more ...

article thumbnail Features - LoyaltyMonday, 01 June 2015

Merchant funded loyalty: Banks choose creativity over rewards cull
- End of one size fits all leads to some big new ideas
- Interchange by another name?
- What card payments can learn from the Groupon model
- Business as usual for Amex while others take stock
- Consumers will switch for points Read more ...

article thumbnail Features - Customer InsightTuesday, 14 April 2015

Asia drives global SIM market growth
- Full report and worldwide figures
- 11% increase in 2014 shipments
- NFC units increase by nearly 70%
- China is largest LTE SIM market
- Nano SIMs expand in western Europe, North America and China
Read more ...

article thumbnail Features - Mobile/ContactlessTuesday, 10 March 2015

Mobile World Congress 2015 Report
*Competing standards muddy route to IoT security
*GSMA responds to cybersecurity threat
*Focus on IoT for entertainment
*IMC examines the business case for IoT
*The difference between IoT and M2M
*Payments and smart wearables
Read more ...

Features - Data SecurityThursday, 19 February 2015

PCI DSS 3.0 guidelines catching some offguard
The new PCI DSS 3.0 guidelines have changed data security responsibilities and requirements for some ecommerce merchants and third party payment service providers. Michael Aminzade of Trustwave sets out the key issues that must be addressed. Read more ...

 
     
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