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Payment Card Fraud – Collaborative space or a Business Opportunity?
In a world where Facebook and iPhone lead the seemingly continual pursuit of convenience, it is easy for the payments industry to disregard payment card fraud as a mere consequence of doing business...
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The four types of payments
the core of every payment method boils down to four basic types - regardless of whether it is paper or electronic Continue reading →
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You’re so vein
It’s a new year and so the new marketing budgets have kicked in meaning that we have a raft of ‘next big thing’ stories in all the press. One that seems to have been picked up and run with is …...
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USA keeps it online, but forgets online too
One discovery I made when I first entered the payments industry is that despite there being over 170,000 words in the English dictionary, payments people like to use the same word or acronym to mean...
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The seven golden rules of Issuer chargeback management
During development of a recent white paper on handling customer exceptions (here), my team developed the ‘seven golden rules for issuer chargeback management’. Ultimately these are all logical...
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Buying a hypercar for the school run
A friend of mine in Belgium owns a beautiful BMW M5, capable of doing nearly 300km/h if de-restricted. The national speed limit is 120km/h. He doesn’t go to track days, but he does drop his kids off at...
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Trust me, I don’t want to use my mobile
The more I hear people discuss mobile payments, the more I believe that it’s actually of more importance to the industry than it is to the consumer. Polls such as Bain & Co conducted for eMarketer...
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The great interoperability myth
A question I’ve been asked many (many, many) times about payment cards is why do we keep old acceptance components on the card once we’ve migrated to EMV? For most you should read this as ‘why keep a...
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Microtraining: EMV in Three
As part of my role as an EMV Evangelist, I’ve produced ‘EMV in Three’, which is essentially all you need to know about EMV in less time than it takes to make a coffee. Please feel free to share this...
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Do you hear the bell tolling?
So with margin erosion, tough competition and increasingly unfavourable regulation, where do the remain domestic debit schemes go? Is the bell indeed tolling on domestic debit?
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