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Payments systems visions, strategies, trends, pilots, forecasting, and planning for the short-, medium-, and far-term.
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The existence of a mandated end date for SEPA migration is frustrating to those of us who do not like to feel that someone else should dictate our priorities. Treasury has plenty of them already, so it is disconcerting that an issue of compliance (bringing with it cost, resourcing issues and quite possibly a minefield of political issues) has been...
21 March 2013 /payments
Increased consumer spending? Check. Increased disposable income? Check. Increased household net worth? Check. Decreased current consumer confidence? Wait, this can’t be right. If all the standard economic measures of well-being, like gross domestic product, personal consumption expenditures and income indicate a recovering economy, why is present s...
19 March 2013 /payments
Throughout the 5 years since SEPA Credit Transfers (SCT) were first launched, we have been exhorted, warned and admonished about the need to migrate to SEPA. Indeed, the nagging has become even more insistent since the end date for SEPA migration was confirmed. Some accepted the exhortations with enthusiasm, while most have prevaricated and hoped ...
12 March 2013 /payments
Accepting credit card payments online has become extremely simple, to the point where the majority of a new company's time is usually spent in comparing the different types of service rather than setting up the service. There are many payment processors available, and most of them are cheap and easy to integrate into already existing websites. On...
11 March 2013 /payments
Everyone at some point in their life was at the bottom of the food chain… but how do you beat time and forge a presence in your industry sector?... As an aspiring entrepreneur aiming to breach the start-up scene, the first thing to note is that I have a very small position in the market and therefore will struggle to gain any traction when voicing ...
24 January 2013 /payments /retail
Andres Fontao Partner at finnovista
Following up on my recent blog entry regarding my attempt to go cashless and cardless for a week when in San Francisco late last year, it’s worth sharing observations of payment methods from a recent trip to Argentina and Uruguay in late December 2012. As those of you who know me, I am a strong advocate for mobile financial services, having spent ...
14 January 2013 /payments
Which Message Format to Use for Health Care EFT?… In Part I of my Understanding Healthcare EFT standards blog, I identified several major obstacles for health care providers to adopt EFT (electronic funds transfer) and ERA (electronic remittance advice). In Part II, I explored the differences between in-band versus out-of-band remittance delivery...
03 January 2013 /payments
In-Band vs. Out-of-Band Remittance Delivery… In Part I of my Understanding Healthcare EFT standards blog, I identified several major obstacles for health care providers to adopt EFT (electronic funds transfer) and ERA (electronic remittance advice). In Part II, I will explore the differences between in-band versus out-of-band remittance delivery...
19 December 2012 /payments
Despite a few technical changes that have occurred in recent years, until now the traditional payments landscape hasn’t changed much since the first payment card was introduced a few decades ago. The Point-of-Sale (POS) has largely retained its primary focus of allowing retailers to accept and collect payments from consumers. This is rapidly chang...
13 December 2012 /payments /retail
The Ancient Mayans predicted that the world will end on 21st December 2012. While some of us may laugh at those stocking up on the non-perishables or forgoing Christmas shopping, the Mayans – who considered themselves a developed economy – may have been on to something. While booming markets in Africa, India, Asia and South America delight global ...
12 December 2012 /payments
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