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Payments strategies 2015-2020-2030

Payments systems visions, strategies, trends, pilots, forecasting, and planning for the short-, medium-, and far-term.

Vilmos Levente Kovacs

Vilmos Levente Kovacs Managing Director at Simplexion Informatikai Kft.

Identification problem in SDD scheme?

By the SEPA Direct Debit (SDD) scheme, which is currently under implementation is Single Euro Payment Area (SEPA) client authorize the service provider to collect. Under this mandate the service provider authorize its bank to collect the cost of service usage. SDD also allows up to single point of collection. The aim by the regulator to implement ...

/payments

Miloslav Hoschek

Miloslav Hoschek Freelancer at e-Silk Road, NGO

Mobile phone number and account number as one in 2025

EU portable mobile phone number and account number as one unit in 2025?.... cont. copyright Miloslav HOSCHEK PhD independent consultant mhoschek/ad/gmail.com

Retired Member

Retired Member 

Best Practices for Combating B2B Accounts Payable Fraud

In my last post, I discussed the recent findings published in the 2011 AFP Payments Fraud and Control Survey which concluded that the rate of payments fraud attacks remains stubbornly high. Continuing with this topic, here are some industry best practices for combating payment fraud as it relates to B2B A/P payments. A single, centralized system ...

/payments

Vilmos Levente Kovacs

Vilmos Levente Kovacs Managing Director at Simplexion Informatikai Kft.

There is any effect on Target2-securitiest by Euro crisis?

Speculations are recrudescing over and over about the existence of European Monetary Union connection of deepening of Greek crisis. But the integration of financial systems are not seems to be stopped indicates the strength of Monetary Union. The project manager of Target2-Securities that implement interoperability to European securities market ho...

/payments

Vilmos Levente Kovacs

Vilmos Levente Kovacs Managing Director at Simplexion Informatikai Kft.

Can account portability worth to banks?

I was received a question about my article published some days before, that can account portability worth to banks? At first sight it’s easy to say yes. If using the analogy of regulatory intervention of cell phone companies, the answer is not obvious. Cell phone companies that forced by regulators to implement phone number portability and roaming...

/payments

Vilmos Levente Kovacs

Vilmos Levente Kovacs Managing Director at Simplexion Informatikai Kft.

Will be bank account portability in Hungary?

The timing reason of the question is an announced of British banks that being on a verge of account portability implementation. Connection with same day clearing as if Hungary is might up to slip the most important condition. This most important condition is the standardization of bank - client communication. Without the standardization it is inc...

/payments

Vilmos Levente Kovacs

Vilmos Levente Kovacs Managing Director at Simplexion Informatikai Kft.

Is it worth to establish a European card company?

It seems that the biggest European banks find the time has come to establish an own card company. Can be a new card company successful against the duopoly of VISA and MaterCard, so that China wants to establish its own one? It's not easy to answer yes to that question at first sight. However note that the NCF (Near Field Communication) chip integr

/payments

Retired Member

Retired Member 

The road ahead

Financial institutions, banks and credit cards companies, have invested billions of euros over the last 30 years on payments systems. However over time the complexity of the overall system architectures in place is proving hard to leverage to meet today's demands. But doing away with the old and start from scratch with the new will prove more diff...

/payments

Retired Member

Retired Member 

How many PIN codes you can remember?

Every time I get new service or new card, I get new user name and new PIN code. As it is written in many data security manuals, never store your codes next to computer, mobile device or similar places, where it can be found. it is also written that newer use same user names or passwords to different places. Problem is that I will forget passwords ...

/payments

Retired Member

Retired Member 

Online payments -more than card payments

I have been working with one client to research and open their eyes about different options about to pay online. For example, in my former native country- Finland- most of the people prefer to pay with online bank based debit payments over credit cards when doing business online. 70 % or more is exact number. It is easy, it is fast and both mercha...

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