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2024

Payments regulation in 2024: A year of evolution

The UK and EU payments sectors continued to draw increasing regulatory scrutiny throughout 2023. Indeed, the need to deliver compliance with new regimes, such as the consumer duty in the UK, required a great deal of firm’s attention and resources throughout the year.

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EU flags

PSD, simple as 1-2-3

Eduard Stringer, director of product management for Europe at FIS, explains why he believes the EU needs to step up and ensure regulation supports the needs of payments businesses and consumers.

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Wearables and PSD2 SCA

DIGISEQ recently commissioned Consult Hyperion to do a whitepaper on SCA PSD2, in this piece we address the issue of SCA (Strong Customer Authentication) in Passive Wearables. Rules are in

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Financial IT Interview with Currencycloud and ComplyAdvantage

Check out this recent Financial IT interview featuring Currencycloud’s Co-Founder & VP Strategic Partnerships, Stephen Lemon and ComplyAdvantage’s Founder and CEO Charles Delingpole as they discuss all things Fintech.

Watch the interview here: https://www.youtube.com/watch?v=XG9JlvilL10

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FCA Regulatory Scalebox Workshop

In line with recommendations made in the Kalifa review​, the FCA has committed to introducing a new Regulatory Scalebox to ensure that high growth firms have the appropriate support and oversight. The FCA also committed to providing stronger regulatory oversight for newly authorised firms in its Business Plan​. As part of this commitment they are inviting Payments Association members to join them at one of their 2 virtual workshops running on 22nd and 29th September. These workshops will be particularly valuable for members that are either currently experiencing rapid growth and scale, have experienced this in the past, or are newly regulated. 

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THE ONLY CONSTANT IN FRAUD IS CHANGE

– What is Behavioral Biometric Analysis?
– What is a BionicID™?
– What makes Revelock’s BionicID™ solution unique in fraud prevention?
– How can BionicIDs™ be used to stop Impersonation and Manipulation attacks?
– What is BionicID™ analysis best suited for?
– Does BionicID™ data collection or analysis impact the User Experience (UX)?

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Compliance meets digital

One of the most discussed subjects in the industry today is how digital has transformed banking and financial services. And of course this has been even further amplified by the Coronavirus pandemic.

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Netcetera 3DS ACS is Discover Global Network certified

Discover Global Network, an international payment network, certified the Netcetera ACS for Diners Discover Network card transactions. Certified with all major card networks, the access control server improves user experience and promotes secure and frictionless transaction authentication worldwide.

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HMT confirms introduction of new financial promotions gateway

On 22 June 2021, HM Treasury (HMT) confirmed that it will take forward legislation to introduce a gateway for the approval of financial promotions of unauthorised persons. Once the gateway is in place, only firms which have successfully applied to the FCA to approve financial promotions will be permitted to approve the financial promotions of unauthorised persons.

Compliance with regulatory requirements regarding the approval of financial promotions has been a recent supervisory concern for the FCA, especially in circumstances where the products being marketed are complex and targeted at the retail market, and the FCA has issued a number of letters and publications setting out concerns and guidance for authorised firms approving financial promotions

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A Payments Regulation Road Map – Payments Association in partnership with Eversheds Sutherland

To make it easier for members of the The Payments Association to navigate the evolving landscape of payments regulation, the Payments Association and Eversheds Sutherland are providing you with a resource that will keep you on track. The Payments Regulatory Roadmap is designed to give an overview of the areas of payments regulation that our members should be anticipating in the next two years and to know the next steps and action required. And to help you prioritise what is of critical importance and what is less impactful.

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Monzo Could Be Gonzo After Regulatory Investigation

Monzo Bank has been in financial danger for some time and now, in its latest annual report, has admitted that the UK’s Financial Conduct Authority (FCA) is investigating it for its compliance or otherwise with the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

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PSD2: Enabled but not yet excelling

PSD2 is a hot topic for the UK market. How can we tackle it?
We take a look at challenges and solutions for the UK payment ecosystem in complying with PSD2 requirements.
With PSD2 now live in most European countries, being 5 months past the December 31, 2020 deadline, the UK is next, as the deadline for March 2022 is approaching. In order for the cardholder and merchant to properly adopt additional authentication without abandoning the transaction, the main focus is eliminating as much friction as possible. Testing data¹ from merchants such as Amazon, Google and Microsoft has shown that although Strong Customer Authentication has been enabled for most of the UK ecosystem, it is still grappling with several issues. Examples of this are relying on Risk Based Authentication for lower challenge rates, issuer readiness on latest protocols, issuer latency and lastly confusion on what exemptions to properly utilize.

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