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Cards, Payments & Mobile Intelligence

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Friday 28th 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

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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

Thursday 27th July @ 12:31pm

JCB arrived to Money2020 Europe this year with a splash, setting up a green tea lounge and surprising even themselves with their efforts. "The tea lounge was a great success," says Andrew Doukanaris, senior vice-president for Sales and Marketing with JCB Europe. "It was open to everyone, and at some stages it got so crowded that we had to leave and go outside to get work done!" In its pre-event press release, JCB described itself as a 'leading payments...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

Tuesday 25th July @ 4:00pm

It's been just over a month since Money2020 Europe — plenty of time for the dust to settle on what was a thoroughly enjoyable event. There were a few stories that caught my eye during the busy days and nights in Copenhagen, but I thought it useful to reflect on those that have longevity beyond a small soundbite in June.I suspect as the European event grows (and moves onto Amsterdam for 2018) we will see more organisations choosing Money 2020 as the platform for their big...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 cardsDuring 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

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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 realitiesWhen 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; andSupport 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

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