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Unveiling the complexities and optimisation opportunities in the card payments industry’s operational landscape.
PSPs must enhance their end-to-end reconciliations to deliver seamless, efficient payment services and stay competitive in the rapidly evolving fintech landscape
Financial inclusion, as defined by the World Bank, is crucial for economic development and social progress, ensuring equal access to financial products and services tailored to the needs of both individuals and businesses. The United Nations emphasises financial inclusion as a crucial driver of economic and social development, evident in its inclusion as component eight of the 17 Sustainable Development Goals for 2030.
In an increasingly interconnected world, global commerce has become the lifeblood of the modern economy. Businesses of all sizes are expanding their reach beyond borders, opening up new opportunities and markets. However, the traditional financial systems have often lagged behind the speed and efficiency demanded by the globalised marketplace. Enter cross-border real-time payments—a concept that is reshaping international trade by breaking down barriers and providing a boost to global commerce.
In the first half of 2023, UK Finance reported authorised push payment (APP) fraud losses amounting to £293.3 million, with the total number of APP cases increasing by 22%. The nature of authorised push payment (APP) fraud was harrowing – victims were willingly initiating and authorising payments into controlled accounts, often driven by criminal manipulation or misinformation.
As the pace and scope of cross-border payments continue to accelerate, it’s becoming increasingly clear that the payment industry’s approach to compliance must also evolve—and take centre stage. 
Banks and finserv companies have a significant task in 2024 when it comes to building and retaining consumer trust. This is concerning news because it’s easier than ever for customers to switch banking providers.
Traditional finance is at a crossroads with the new digital frontier, and the rapidly evolving landscape of digital assets demands innovative custodial solutions. For banks, payment service providers, financial institutions and others that are either considering or already piloting digital asset projects, it’s imperative to understand the importance of an underlying custody infrastructure.
Disability has the potential to impact anyone in society. It can be visible or hidden, temporary, or permanent, and can be influenced by a number of factors. More than one billion people around the world have some level of disability, equating to roughly 15% of the global population. At the same time, the world is ageing as people live longer, and the number of people aged 60 and over will double to 2.1 billion by 2050.
The payments sector’s success and growth over the past decade can largely be attributed to firms’ ability to meet and exceed customer’s expectations. Unlike established banks, fintechs are largely free from the legacy tech stacks that slow down banks from modernising. So Payment Service Providers (PSPs) can anticipate customer needs and provide services that address their problems. However, as new PSPs continue to emerge, the landscape is becoming increasingly competitive. So PSPs have to meet changing customer expectations more quickly.
The ongoing digitisation of payments can perpetuate a false narrative that traditional payment cards are becoming obsolete. The reality is that card payments are thriving globally, adapting to the new age of fintech and smartphones. While the landscape of financial transactions is ever-changing, the truth is that one size does not fit all – and different markets have different payment requirements. 
Open banking — a promised financial utopia where data flows freely, consumers reign supreme, and businesses can reduce their payment processing fees — but what use is this powerful innovation if you can’t get customers to actually adopt it?
December 2023
After a year of development, the royal assent of the UK Financial Services Markets Act (FSMA 2023) signifies that change is on the horizon for the UK’s financial landscape and its players.
Can FI’s look beyond transaction data to uncover the true picture of risk? ComplyAdvantage’s research revealed that payment screening teams continue to grapple with siloed data sets and disparate systems. And yet, as the financial crime landscape grows more complex, the need to connect fragmented data sets to understand the global networks behind financial crime has never been more important. ComplyAdvantage’s Iain Armstrong give his top tips for integration success in payment screening.
Guy W. Lecky-Thompson, head of products & processing services at Trionis explains why ATMs still have a prominent role in the future of the payments industry.
Tony Petrov, chief legal officer at Sumsub, summarises the rules incorporated in the EU Artificial Intelligence Act (EU AI Act) and how they might impact on the industry.
The transition to real-time payments is well underway. AutoRek global payments manager, Nick Botha, explains why those who prepare and adapt now will be better poised to become a leader in the world of real-time payments.
Sumsub, a full-cycle verification platform, releases its ‘State of Verification and Monitoring in the Crypto Industry 2023’ report. Polina Uzhva, partner marketing manager, Sumsub, provides a summary, focusing on the regulations and verification practices for crypto companies, with highlights from verification performance and identity fraud statistics.
Eduardo Martínez of Toqio outlines why embedded finance has become an essential component of developing systems and providing customer satisfaction.
Christien Ackroyd explains how the ethical grade concept works, covering best practices, benefits, and which banks are getting it right.
Open banking can address customer pain points from bill paying to shop checkouts, but consumers need reassurance to use it with confidence, says Holly Coventry, vice president, international open banking payments at American Express.
Daniel Holden explains the meaning and significance of unified commerce and why it is vital to the customer experience.
Russel Fernandes, head of product for card present payments at Trust Payments shares his 11 tips to make sure companies get the most out of their point-of-sale (POS) systems.
Payments Review
Paymentology’s Martin Heraghty explores how the lending landscape is changing and what this means for consumers.
ARYZE’s Jack Nikogosian discusses how private sector stablecoin initiatives could be the key to stability and innovation in the current financial system.
Lucinity’s Francisco Mainez outlines how technology can help businesses prepare and comply with the new rules, which are due to come into force in July.
Spring 2023
With myths on digital currencies being a threat to financial freedom dominating social media, Dominika Duziak, of OneStep Financial, explains why government must address this narrative and discuss its advantages.
Spring 2023
Phil Mochan from Nomos Digital examines how cross-border payments is closely intertwined with cross-border liquidity and the challenges this poses for implementing CBDCs.
Mastercard is set to rollout Mastercom Collaboration in early 2023, an enhanced version of its current platform that enables merchants and acquirers to settle payment disputes before it becomes a formal chargeback.
Winter 2023
From a once ‘poor man’s card’ to paving the way for a new way to earn, Richard Ney examines how prepaid products are being used to underpin some of the slickest payment solutions and user experiences.
Winter 2023
Spencer Hanlan explores how the speed and efficiency of payments, particularly cross-border, could drive innovation to offset inflation. He sets out his top three predictions of 2023.
Winter 2023
The payments world is sprinting to comply with the ISO 20022 messaging standards. Beyond the compliance lies the transformational value that could be derived by utilising the rich message format.
Embedded finance is the future of fintech innovation that will benefit all businesses and retailers seeking to remove common barriers to cryptocurrency access, offer various payment methods and enable a better customer experience.

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