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Stephen Gilmour

Stephen Gilmour

Solutions Architect & Product Management at Jack Henry

Bethany Goodman

Bethany Goodman

Digital Marketing Manager at Acquired.com

Harshita Soni

Harshita Soni

Digital Marketer at Ken Research

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Roman Eloshvili

Founder and CEO at XData Group

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Ali Habbeh

Head Of Partnership at Vodafone - iPay Qatar

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Nick Green

Nick Green Director at Purple Patch Broking Ltd

With the BoE and FCA’s renewed focus on improving data collection and sharing within the credit information market, the industry has rightly raised questions. What impact will these changes have on le...

11 h

Konstantin Rabin

Konstantin Rabin Head of Marketing at Kontomatik

Web3 and Fintech are having a huge effect on a variety of industries. Chief of which is the gaming industry, which has been able to utilise both of these emerging technologies to offer better services...

13 h

David Hensley

David Hensley Founder at Enryo Limited

In 2019, under the stewardship of Natalie Ceeny we published the "Access to Cash Review", sparking discussions about the future of cash in a rapidly digitising world. This blog delves into t...

14 h

Richard Dhuny

Richard Dhuny

Joris Lochy

Joris Lochy

Janine Grainger

Janine Grainger

Alex Kreger

Alex Kreger

Barley Laing

Barley Laing

Roman Eloshvili

Roman Eloshvili

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Commenting

Richard Peers

Richard Peers

fascinating to see it in ths way

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Hitesh Thakkar

Hitesh Thakkar

Great initiative by Unicredit, Italy. Definite learning page for all card managers.

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A Finextra Member

A Finextra member

Variable Amount Direct Debits (VADD) have been around for 40 years or more and work perfectly.

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A Finextra Member

A Finextra member

All this sounds good, but misses out on an important feature in the payments legislation: If a bank (or ASPSP as the regulators say) does not implement strong 2 factor authentication along the lines in PSD2 for a payment order, but instead allows the account holder to transfer monies out of the account without this by using one of the PSD2 listed exceptions, the risk of thge payment is on the ASPSP/bank and the payer/account holder can ask for an immediate refund at any time. The payer ASPSP/bank is not entitled to ask for a corresponding refund from the payee ASPSP/bank and the payee is not under obligation to pay back! Why would ASPSP:s/banks adopt this model if they are not paid by somebody for this extra risk. Payee ASPSP/banks that want to receive the convenient payment on behalf of normally a corporate payee, do not pay any "interchange lookalike" fee to the payer ASPSP/bankfor this and such fees are actually prohibited in the legislation for account-account payments. The UK Finance should therefore also propose corresponding changes to the risk allocation of "non 2 factor" autheticated payments and make the payee ASPSP/bank or third party payment initiator liable to pay back to the payer ASPSP/bank when a payer asks for a refund.

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A finextra member

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Ketharaman Swaminathan

Ketharaman Swaminathan commented on

A finextra member

A Finextra member commented on

Ketharaman Swaminathan

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Jamie French

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Jamie French

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