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The Payments Business

Share opinion and experience on how the payments landscape is changing and learn about the challenges and opportunities facing payments stakeholders in the future.

John Bertrand

John Bertrand MD at Tec 8 Limited

Customers have 50 percent chance of reimbursement after APP fraud

A consultation by the PSR (Payment Systems Regulator) to PSP(Payment System Provides)/Banks to prevent Authorised Push Payment Scams (APP) at source and to provide better support to the victims is underway. APP scammers use Faster Payments as their payment channel of choice, 80% of APP fraud. To do so scammers need a bank account. Contingent Reimbu...

/retail /crime

Abigail Vaughan

Abigail Vaughan COO at Zellis

How Can Technology Support Stretched Payroll Professionals?

The past year has seen organisations of all sizes forced to adapt to uncertain times. Industries have had to become more agile as situations changed rapidly and new restrictions on work were coupled with a sharp economic downturn. One area where increased agility has been vital has been in organisations’ payroll processes. So just how have busines...

/payments /people

Helen McHugh

Helen McHugh Business Development Manager at Transact Payments Ltd

Alleviating the complexities of the payment ecosystem

The payments ecosystem is a complicated multi-layered pathway of entities – which can include a BIN sponsor (issuer), processor, programme manager, card bureau, scheme (for example such as Visa or Mastercard), and acquirer – each one reliant on one another to fulfil their role successfully and securely in the transaction. An environment in continu...

/payments /startups

Retired Member

Retired Member 

The pandemic and cash usage

A lot is being documented on how COVID has accelerated the digital banking and transformation agenda, as more remote channels have become the norm for everyday banking. Similarly, the pandemic has also had a very profound effect on payments, and ironically it is the way in which cash is used that is driving how future trends will shape up. For sev...

/payments

Chinmay Jain

Chinmay Jain Chief Technology Officer at WLPayments

What problems does payment orchestration solve?

Payment orchestration is a hot topic in digital payments and needless to say, it has become even more relevant during the COVID-19 pandemic. Essentially, a payment orchestration platform can help businesses scale faster, remove the complexities from their payments and optimize their payment flows. All of this sounds great, but naturally, most deci...

/payments

Retired Member

Retired Member 

Payment Solution Architectures For The Post-Pandemic World

The surge in electronic transaction volumes in 2020 was driven by the switch to contactless card payments and the increase in e-commerce, triggered by the behavioural changes of consumers faced with the COVID19 landscape. Sudden, unpredicted increases in transaction volumes frequently cause problems in the payments infrastructure. The perceived ...

/payments /cloud

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Peer-to-peer payments - A crucial component towards a cashless society

The Corona crisis has led to an exponential decrease in the usage of cash, due to the associated hygienic problems and the enormous rise of eCommerce. While in commercial transactions cash is disappearing rapidly, it is however still commonly used for informal money exchanges, like between friends, family, colleagues…​, but also those payments are ...

/payments

Chris Principe

Chris Principe CEO at APB, Inc.

Who can it be now?

Who can it be now? Who can it be knocking at my door? Go 'way, don't come 'round here no more. Who can it be now? These 1981 lyrics of Men at Work foretold the usage of Facial Recognition (FR) today. The changes brought on by the great pandemic of COVID-19 have given governments a justifiable reason for the increase of CCTV cameras using FR technol...

/payments /crypto

Christian Spaltenstein

Christian Spaltenstein Managing Director at AFEX Americas

Addressing Evolving Customer Experiences with API Technology

The strategic necessity for digital transformation has been on the rise as businesses are now realizing its importance to effectively automate day-to-day processes. According to SmartBear’s ‘State of APIs’ report, API traffic is growing 2.8 times year-over-year. With API technology, organizations are now able to cut operational costs, secure profi...

/payments /inclusion

Scott Lane

Scott Lane Business Development Director at MobiCash

Super app, or just another mobile payments app?

When we talk about mobile payment apps, many think of a mobile wallet app – one you can use to pay for goods and services with merchants who accept mobile payments. Mobile wallets can often offer different options within the payment process, such as the choice of different source cards or accounts, using NFC or QR codes to create a quick, easy pay...

/payments

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