Invoices instead of smileys – will we soon be able to pay via WhatsApp?

WhatsApp is now firmly integrated into the everyday lives of millions of people across Europe. The question of where and when to have drinks or dinner is now often discussed and agreed through a...

PSD2 open banking: The ticking timebomb for financial institutions

The overall idea behind PSD2 open banking is not new, Yodlee and others have for a while aggregate accounts, and they have done this through a process known as screen scraping. Now though the...
Screen Scraping

Open Banking: Why banks don’t get the API economy

The Open Banking ecosystem can learn a lot from the smartphone operating system (OS) market. In particular, banks that are developing APIs in a bid to control the new ecosystem should ask themselves this: Why...
Gold globe with many gold coins

Super Platforms in Africa: Not if, but When

It is 2030, and we walk into a bustling salon in a peri-urban area in Abuja. We see eight clients and a couple of TVs installed in the corners, and we can hear music...

Mobile wallets in India: What the world can learn

India’s emergence as a digital payment powerhouse is an unlikely story. Until recently, cash accounted for 95% of transactions, 85% of workers were paid in cash, and 70% of online shoppers chose ‘cash on...

GDPR rules: Never collect data without consent

To be a successful business in Europe in 2018, you will need to be able to demonstrate GDPR compliance. Numerous articles have already detailed what GDPR is, the ramifications of failing to comply with...

Payments Buzzwords 2018: Authentication, Identity and Chinese BigTech

Authentication tipping point – will PSD2 change we way we pay? Talking about 2018 is hardly possible without mentioning PSD2. So here it is, on top of my list. On January 13 PSD2 will...
Payment Issuers

Five trends for payments in 2018

This past year has seen a number of significant changes in the payments industry. From new transfer methods to the PSD2 push, the demand for faster, smarter, and safer transactions has reached fever pitch. 2017...
Mobile Payments World

2018 payment trends: Safer data, faster payments, better experiences

Fundamental shifts in consumer behavior, the emergence of new technologies and an evolving regulatory landscape means the payment trends in the payments ecosystem are poised for unprecedented transformation in 2018. The demand for safer data,...

Driving the Future of Payments – 10 Mega Trends

Change in payments is in overdrive, and will only get faster. Traditional payments players are being squeezed from all sides - so what is driving the future of payments. This point of view explores ten...

Latest News

Payment industry history with first AES DUKPT key management implementation

Verifone says it has implemented AES DUKPT with its end-to-end encryption solution, VeriShield Total Protect, its Engage family of payment devices, and Carbon 8 & 10. Co-designed by Verifone, AES DUKPT...
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