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WEBINAR: How to scale in a way customers love – Banking vs Fintech-as-a-Service.

Your payments infrastructure could be costing you more than you realise. Using multiple providers costs time, costs cash and, more importantly, costs customers. Which is why we’re talking to clients who have moved away from traditional banking and moved towards Fintech-as-a-Platform. We’ll also be joined by Mat Megens, Founder & Chief Executive Officer from HyperJar for a fireside chat on their ‘journey’ to success, powered by Modulr.

The event will cover:
o BaaS vs FaaS: What’s the difference and what do you need to build financial products customers love?
o The key challenges faced by companies that offer payment or bank-like services
o How to avoid business inefficiencies by using a joined-up Fintech-as-a-Service partner (such as… well, Modulr)

Register here: https://landing.modulrfinance.com/scaling-a-fintech-with-modulr-baas-0

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Are you Ready for 2022?

2022 could be the most unpredictable recovery year in decades.

Are you ready? Periods of recovery that follow recessions can often trigger more abrupt shifts in FX rates than usually experienced

Plan ahead with the ultimate guide for companies navigating currency volatility and scenario planning. Find out about:

 The global outlook for the year ahead includes the economic recovery and the long-term impact of the COVID-19 pandemic.
 Market themes such as the green economy, post-Brexit trade and the dangers of underestimating inflation.
 FX forecasts covering the major currencies including USD, EUR, GBP and AUD.
 Risk management make future cash flows more predictable and potentially gain a competitive advantage against other businesses who may leave themselves exposed to currency risk.

Download the report > https://bit.ly/3EkWEiJ

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Global Trade Tracker Report

Benchmarking 2021 financial plans against recent economic trends is one strategy, but if you could access a forward-looking, predictive view of the economic landscape…would that give you the competitive edge?

Imagine having the power to track and forecast the future outlook for cross border trading. Our new Global Trade Tracker Report delivers predictive business data that provides greater clarity on economic events likely to impact global trade and your business. Get it now >

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Nium Launches First Global Platform for Crypto-as-a-Service and Extends its Banking-as-a-Service Solution to the U.S

New Nium API-based Crypto-as-a-Service platform is the first to allow financial institutions to integrate popular crypto capabilities into their financial applications, including the ability to buy, sell, and hold the most popular digital assets; future service elements will allow for stablecoin wallets, as well as crypto acceptance

Nium also expands its comprehensive suite of global Banking-as-as-Service solutions, adding card issuing capabilities in the U.S.

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An EU Digital Identity eWallet – the Next Step After PSD2?

Back in January, CEO Fabien Ignaccolo wrote a post on our 2021 predictions for SCA. Among the predictions was a future PSD3 enabling SCA for the non-banking industry, as well as an expectation for a renewed focus on Digital Identity. While PSD3 is still on the horizon, there has actually been more of a significant movement in the eID sphere.

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Chargeback Reversal Rate of Just 10% Could Deal Fatal Blow to Travel Merchants Post-Covid, New Study Finds

A fascinating new report, Fraud and Chargebacks in Travel, has been launched by merchant dispute specialist Chargebacks911, in conjunction with industry thought leader and travel research firm, Airline Information. It offers merchants a thought-provoking look at the substantial scale of the challenge that chargebacks present to the industry and proposes solutions for mitigating chargeback threats and payment fraud events.

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Dear Luc: With the contactless limit increasing to £100, why are people so divided?

Contactless card payments have boomed since the onset of Covid-19 and 15 October marked yet another milestone with shoppers able to spend £100 per transaction with a tap of their card.

In this Dear Luc article, Luc Gueriane discusses why are people so divided about the £100 contactless limit?

Head over to Fintech Futures to read the full article: https://www.fintechfutures.com/2021/10/dear-luc-why-are-people-so-divided-about-the-100-contactless-limit/

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TIPPAY™ BY RADAR PAYMENTS ENABLES WORKERS TO RECEIVE GRATUITY AND TIPS STRAIGHT INTO THEIR ACCOUNT

Radar Payments launches a standalone service for tipping and gratuity that can be deployed by financial institutions to help reward hospitality staff and other workers for their services.
Banks can use Tippay™ as a standalone app available in their business client outlets and to partners for more tipping convenience. The service enables banks to reach new potential customers while generating additional revenues by taking a minimal fee on every tip registered.

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Gain The Lead: How Fintech Leaders Can Cultivate Ownership Culture in a Rapid Growth Environment

As a fintech leader, what does ownership mean to you?

It’s a prominent topic these days, especially as payment providers (and the broader fintech industry) shift to remote settings and home offices. Leaders and employees must adapt during times of change. Encouraging and proliferating ownership was already difficult before this seismic shift. Now it’s an even taller task.

Are your employees taking ownership over their responsibilities and designated projects?

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Global Processing Services raises over US$300 million to accelerate technology development and global growth

London-headquartered Global Processing Services (GPS), the Global API-first payment technology platform, powering the world’s leading fintechs, including Revolut, Curve, Starling Bank, Zilch, WeLab Bank and Paidy, today announces it has raised over US$300 million from Advent International (“Advent”) and Viking Global Investors (“Viking”).

The new investors and subsequent funding will provide deep payments and fintech experience to accelerate technology investments in product innovation and continued expansion in 48 countries across Europe, Asia and the Middle East.

The investment follows a strategic investment from Visa in October 2020.

GPS is a company at the heart of fintech’s global expansion, powering leading fintechs, digital challenger banks and embedded finance providers through its API-first payment technology.

To date GPS has:

Issued 190 million physical and virtual cards
Processed more than 1.3 billion transactions on its cloud-based platform
Expanded into APAC and MENA
Integrated with 95 issuer partners and operates programmes for a client base across the globe
Powered today’s leading fintechs, including Revolut, Curve, Starling Bank, Zilch, WeLab Bank and Paidy
Secured strategic investment from Visa, a long-term partner of GPS
Established a new regional centre of excellence in United Arab Emirates (UAE) having been selected as one of its preferred issuer processors in Asia-Pacific and the MENA region

Please see below for full press release for further information.

Let me know if you have any questions.

Kind regards,

Becky

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Wintermute and BCB Group Announce Partnership as Wintermute Joins BCB Group’s BLINC Network

Wintermute, one of the largest players in the global digital asset markets, has today announced a partnership with BCB Group, Europe’s leading provider of business accounts and trading services for the digital asset economy. Wintermute has also integrated with BLINC, BCB’s global payments network, and one of the first real-time payment networks of its kind to allow free, real-time transactions across fiat and digital currencies, enabling participants to settle instantly in any of the currencies supported, with no limits.

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Wintermute and BCB Group Announce Partnership as Wintermute Joins BCB Group’s BLINC Network

Wintermute, one of the largest players in the global digital asset markets, has today announced a partnership with BCB Group, Europe’s leading provider of business accounts and trading services for the digital asset economy. Wintermute has also integrated with BLINC, BCB’s global payments network, and one of the first real-time payment networks of its kind to allow free, real-time transactions across fiat and digital currencies, enabling participants to settle instantly in any of the currencies supported, with no limits.

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allpay Renews Place on Consortium Procurement (NHC) Framework

allpay Ltd, a leading UK payment specialist, has renewed its place on the Consortium Procurement (CP) framework, which is the commercial arm of the Northern Housing Consortium (NHC).

With over 115 clients utilising the framework, allpay have been on this framework since 2010, and is delighted to continue this relationship.

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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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SATOSHI GOES TO WASHINGTON : SENATOR TOOMEY ISSUES RFI TO INFORM DIGITAL ASSET LEGISLATION

As we have noted in the past, federal regulation of the digital asset/cryptocurrency/DeFi community is evolving and there are many perspectives on what direction it should take. For instance, earlier this week, the House Democratic leadership and a group of moderate House Democrats agreed to a compromise that would prevent the House of Representatives from amending the Senate-passed “Infrastructure Investment and Jobs Act” (H.R. 3684), thereby preserving the bill’s provisions expanding the definition of “broker” under the Internal Revenue Code to apply to various digital asset market participants.

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Digital Payments Whitepaper: Is This Really Goodbye to Cash?

The fast, frictionless payment transactions experienced by consumers are influencing B2B customer expectations and driving payments digitisation. Find out about the main drivers and the unexpected benefits for businesses in this new whitepaper by Accuity, a LexisNexis® Risk Solutions Company.

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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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Finally, a real alternative to cards

For e-commerce and contact centre payments, cards have been the only payment option but are costly to businesses and increasingly difficult to use for consumers. Open banking regulation and technologies has created new options for businesses

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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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Currencycloud embedded finance research

Currencycloud is working with partners to research and write a report on the current state of embedded finance and the future trends of what to expect in the coming years. As you are an expert in the industry, we’d love to capture your thoughts. Please complete our survey, it should take no more than 3-5 minutes.

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