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Home » Global Intelligence » Cards, Payments & Mobile Intelligence

Cards, Payments & Mobile Intelligence

Thursday 27th July @ 1:07pm

On a research trip in Africa in early May, Lafferty News heard one issue raised again and again: interoperability. That one word covers a multitude of challenges and in Africa, interoperability takes on an additional weight because of the relative success and potential for widespread adoption of mobile money. Interoperability can't be separated from financial inclusion — possibly the second most-oft mentioned issue in African financial services. While the continent gained some degree of...MORE

Wednesday 26th July @ 3:55pm

In the second of a two-part article (Part One having been published in the previous edition of Lafferty Global Intelligence), Peter Kinahan continues his examination of what digitalisation and regulation are together unleashing in banking and payments. BBVA When it comes to monetising APIs, Spain's BBVA is one of the more highly evolved organisations. For those who wish to understand the practical applications of APIs, it is well worth perusing its marketplace at...MORE

Wednesday 12th July @ 3:28pm

Perhaps nowhere is the clash of cultures between Banking and Tech clearer than in the current debate on screen scraping rumbling through the corridors of power in Europe. As the European Banking Authority (EBA) and European Commission exchange contrasting views over the practical realities, the PSD2-led matchmaking of fintech and banking in Europe now seems less love story than morganatic marriage. (Associated with dynasties, such an arrangement denies the customary...MORE

Wednesday 21st June @ 5:10pm

To what extent are alternative payments encroaching on card payments in China ? The country is often cited as an example of a market where alternative payments are flourishing and posing a real threat to the traditional payment card system. Fast-globalising giants Alipay and Tencent (with the latter operating the hugely popular WeChat platform) account for over 90 percent of the market. China's cards market has gone through extraordinary growth since in the last ten to 15 years...MORE

Wednesday 21st June @ 2:00pm

Consumers may prefer cash but are increasingly comfortable using cards During 2016, total Colombian consumer credit outstandings grew by an estimated 13.2 percent, with mortgage lending growing by 15 percent and non-mortgage credit by 12 percent. Lafferty Research forecasts that consumer credit will grow by 14 percent during 2017. According to the central bank's March 2016 quarterly credit survey, credit demand grew moderately in all segments, similar to the last...MORE

conundrum shutterstock_121961875
Tuesday 20th June @ 12:44am

Europe and America are home to the most entrenched banking systems in the world — and must make their peace with fintech realities When the next definitive history of banking is written, the chapter on the Global Financial Crisis will surely be followed by one detailing the dialectical encounter of traditional financial institutions with digital technology. It may be that the second of these two chapters will be longer: universal banking may have been chastened by the events...MORE

Monday 19th June @ 12:50am

Who needs stability? As we settle into political instability being the new norm in the UK, I was reading with interest the European Commission's (EC) Consumer Financial Services Action Plan (whatever floats your boat, I hear you say!). It won't surprise anyone familiar with the impending PSD2 regulation of their unswerving desire to: Increase consumer trust and empower consumers; Reduce legal and regulatory obstacles; and Support the development of an innovative digital...MORE

Monday 19th June @ 12:21am

It is a common observation that there are four stages in the development of an economy. Long forgotten in the developed world, there is the requirement simply to stay alive; hence the primary stage in economic development that becomes the agricultural economy . Once that fundamental need is satisfied, the focus turns to production; initially the tools of production and then, as the eye turns towards lifestyle, there are the tangible 'things' that improve everyday experience: this...MORE

credit cards, banking, money, finance
Friday 16th June @ 12:43pm

Credit card fraud is a seemingly limitless problem for consumers and law enforcement agencies worldwide. But it is also a showcase of human inventiveness twisted to malign ends. One of the key human skills deployed in the dirty war for people's money is the ancient technique of disguise in the modern world of technology. It's worth noting, for a start, that the executives at the three of the world's...MORE

Thursday 4th May @ 11:26pm

Three key points should be understood when it comes to what I call the "virtuous circle of financial capability": The new regulatory environment presents an opportunity to lead consumers from payments into lifelong prosperity. With deep customer ties and reserves of trust, tech-savvy banks operating as payments providers have a major opportunity. Well-managed payments leads to good budgeting, which leads to wealth accumulation. Taken in isolation, and compared...MORE

Executives photo JCB
Thursday 4th May @ 11:22pm

Ask a sports fan about the "Tokyo Olympics" and it's likely that he or she will mention Tokyo 2020. Fewer will recall the profound impact of the 1964 Games on Japanese society. Prior to that year, travel from Japan was restricted mostly to businesspeople, sports teams and government officials. But following the games of 1964, the government opened the way for Japanese people to travel abroad. By 1980, that number grew to more than two million Japanese travelling overseas, but that...MORE

Thursday 4th May @ 11:11pm

To serve your clients, don't think like an impressionable consumer. One defining characteristic of machines, not often remarked upon, is that they never sleep. Once upon a time we used to impose our circadian rhythms on computers, turning them off at night as though they too needed seven or eight hours of slumber. Now the tide has turned, and we reluctantly bid our favourite device farewell as it chugs on through the night, gathering messages and updates with no cease...MORE

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