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Home » Global Intelligence » Cards, Payments & Mobile Intelligence

Cards, Payments & Mobile Intelligence

Global Intel - Mojaloop
Tuesday 31st October @ 2:07pm

The announcement barely registered a ripple in the financial press, but the news emerging last week during the SIBOS conference that the Level One Project's Mojaloop is launching as an open source and blockchain-based payments system is nothing short of revolutionary. Perhaps it's fitting that the announcement came during SWIFT's annual global gathering SIBOS, which is a must-attend event for banking insiders. Lafferty's recent Nairobi Council came to the conclusion that...MORE

contactless
Friday 27th October @ 4:42pm

It is over a decade since the first contactless payment was made in the UK, and the technology has showed little sign of abating — but how far away are we from seeing a fully-cashless economy emerge on British shores?Where once contactless payments were something someone more tech-savvy than you engaged with at the till, as you strained your neck to see, they are now part of the fabric of everyday life for many Britons.So, Lafferty News recently tracked down PPRO Group's Chief...MORE

Ecobank
Friday 27th October @ 4:21pm

Back in January this year, Ecobank — the pan-African financial institution — announced that it was launching a fintech challenge, inviting innovators from around the continent to come up with solutions to some of the most pressing financial dilemmas.In July, the top three winners were announced after being whittled down from 20, so a few months into their relationship with Ecobank, it's time to take a look at each individual winner and analyse their merits.It was perhaps no...MORE

shutterstock_90734176_400px
Friday 27th October @ 4:13pm

With a name like Alpha Fintech (formerly Alpha Payments Cloud), it is little wonder that the Dublin-headquartered firm has such a vested interest in the success of an exciting, growing fintech sector.Lafferty News recently caught up with Alpha Fintech's CEO Oliver Rajic to discuss what his company's re-brand means for them, for the payments industry at large and to get his thoughts on the winds of change currently gusting through the legacy players."In the old days, way...MORE

branch snip 3
Friday 27th October @ 2:36pm

CONTINUING WITH THE LAFFERTY BRANCH REPORT, the first part of which was published here in July, this second part asks the questions: Are in-branch developments and digital design leading to a better-served, happier customer or is the customer feeling more isolated and frustrated?The ATM is still here tooDespite its oft-heralded demise, the bank branch is still with us. And so too...MORE

Cash
Friday 27th October @ 2:06pm

CASH ISN'T DYING. IT'S NOT EVEN SICK!'Cash isn't King anymore', 'Cash is still King', 'Cash is King, but not for much longer', 'Why Cash will always be King', 'Why Cash will never be King again', 'Cash isn't done yet', 'Cash fell into a burning ring of e-fire', 'Come back cash, all is forgiven'.Just a few of the headlines that glare back from your screen the second you google the future of cash.With the rise...MORE

Africa Snip
Friday 29th September @ 12:34pm

Merchant acquiring in Africa remains underdeveloped relative to other regions of the world: the traditional acquiring models which have been successful in the developed world have for the most part failed in spreading card acceptance beyond large urban centres and popular tourist destinations.The costs involved in installing POS terminals are often prohibitive for smaller African merchants and the potential volume insufficient for acquirers to consider subsidising these costs. This conundrum...MORE

Cards, credit cards, debit cards, finance, money
Friday 29th September @ 11:33am

At the end of 2016, credit card outstandings in Argentina stood at $15.3 billion, which was an increase of 741 percent compared to 2010. This figure represented 42 percent of total consumer finance in 2016, although Lafferty expects that this proportion will decrease to 37 percent by 2019. Credit card loans experienced strong growth between 2010 and 2016 and represent a key pillar for consumer spending in Argentina. Although credit card outstandings rebounded to a 59 percent growth level in...MORE

F473shutterstock_252335677
Thursday 28th September @ 3:02pm

Perhaps nowhere in the world is the ongoing transformation of a country from pro-cash to cashless more evidently intriguing than in India — and yet an eventual overhaul of how the country spends and sends money is not guaranteed.The demonetisation project brought in by Prime Minister Narendra Modi's government late last year to propel the country towards a digital age has endured a bumpy ride so far. Right now, despite all of the innovations and developments, there are no definite...MORE

Retail Banking Intelligence
Thursday 28th September @ 2:39pm

The forthcoming Revised Directive on Payments and Services (PSD2) has been touted as a game-changer across the European Union and is set to have an immense impact on how mobile payments are regulated as well as how widely they are embraced.With so many different takes doing the rounds, clarification about what is likely to be impacted most of all is never bad — so Lafferty recently tracked down Simon Pepper, Tola Mobile's Head of Product, to get his thoughts.Tola Mobile offers...MORE

Digital_reformation_shutterstock_115060159_400px_F516
Thursday 28th September @ 2:05pm

Big Tech companies are engaged in a kind of pincer movement that may yet cause the retail banking industry some pain.On the one hand, riding on the rails provided by open APIs and shared digital infrastructure, they are starting to offer the kind of highly visible, whizzbang interface that consumers already love in social media and entertainment: a recent example of this is Tez, launched this month in India by Google with the finance minister in attendance, a clear signal...MORE

binary, computers, computer
Thursday 28th September @ 1:56pm

While the term fintech is becoming a buzzword for this generation of consumers, the evolution of financial technology goes back as far as recorded civilisation and probably further. From effective bank cheques scribed on ancient papyrus to a medieval 'credit card' whereby European merchants etched marks onto a square of wood to record monies lent then split the tally stick in two — one half for the creditor the other for the debtor — sharp minds have always harnessed...MORE

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