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The Payments Business

Share opinion and experience on how the payments landscape is changing and learn about the challenges and opportunities facing payments stakeholders in the future.

Retired Member

Retired Member 

Payment Solution Architectures For The Post-Pandemic World

The surge in electronic transaction volumes in 2020 was driven by the switch to contactless card payments and the increase in e-commerce, triggered by the behavioural changes of consumers faced with the COVID19 landscape. Sudden, unpredicted increases in transaction volumes frequently cause problems in the payments infrastructure. The perceived ...

/payments /cloud

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Peer-to-peer payments - A crucial component towards a cashless society

The Corona crisis has led to an exponential decrease in the usage of cash, due to the associated hygienic problems and the enormous rise of eCommerce. While in commercial transactions cash is disappearing rapidly, it is however still commonly used for informal money exchanges, like between friends, family, colleagues…​, but also those payments are ...

/payments

Chris Principe

Chris Principe CEO at APB, Inc.

Who can it be now?

Who can it be now? Who can it be knocking at my door? Go 'way, don't come 'round here no more. Who can it be now? These 1981 lyrics of Men at Work foretold the usage of Facial Recognition (FR) today. The changes brought on by the great pandemic of COVID-19 have given governments a justifiable reason for the increase of CCTV cameras using FR technol...

/payments /crypto

Christian Spaltenstein

Christian Spaltenstein Managing Director at AFEX Americas

Addressing Evolving Customer Experiences with API Technology

The strategic necessity for digital transformation has been on the rise as businesses are now realizing its importance to effectively automate day-to-day processes. According to SmartBear’s ‘State of APIs’ report, API traffic is growing 2.8 times year-over-year. With API technology, organizations are now able to cut operational costs, secure profi...

/payments /inclusion

Scott Lane

Scott Lane Business Development Director at MobiCash

Super app, or just another mobile payments app?

When we talk about mobile payment apps, many think of a mobile wallet app – one you can use to pay for goods and services with merchants who accept mobile payments. Mobile wallets can often offer different options within the payment process, such as the choice of different source cards or accounts, using NFC or QR codes to create a quick, easy pay...

/payments

Scott Lane

Scott Lane Business Development Director at MobiCash

Could 2021 be the year of the payments super app?

Smartphone technologies have been driving payments innovation and influencing customer habits for years. But the digital demands of 2020 have created an exceptional environment for mobile apps and payments, a trend that will undoubtedly endure and evolve far beyond the challenges of this year. The demand for mobile According to a report from Merch...

/payments

Retired Member

Retired Member 

Will Covid-19 spell the end for cash?

Bank debit schemes. Contactless technology. Mobile wallets. Payments technology has evolved at an incredible rate. Even before Covid-19 cash was losing its dominance around the world. Now the coronavirus pandemic has accelerated the global transition towards a cashless economy. Cash is under attack on all fronts, in terms of both its physical use ...

/payments /startups

Jeremy Light

Jeremy Light Co-founder at Fourdotzero

Big Brother is Watching You - Payment Systems, Surveillance Systems, Control Systems

1230 words, 4:50 min read An Orwellian Dystopia As more and more payments become digital, a key question for payment systems architects is how to preserve the privacy of their users. Without privacy, payments systems risk becoming surveillance systems for government agencies and for corporations. In turn these can be extended into control systems ...

/payments /regulation

Joris Lochy

Joris Lochy Product Manager at Intix | Co-founder at Capilever

Payment contact management - Room for innovation

Executing payments has evolved considerably over the last years. While 25 years ago most payments were done by filling in a paper form, today almost all payments are initiated digitally via a web or mobile banking platform. Together with this digitalization came also a whole eco-system of toolsto further simplify these digital payments (not conside...

/payments /retail

Reed Luhtanen

Reed Luhtanen Executive Director at U.S. Faster Payments Council

Exploring QR Codes for Faster Payments

Around the world, QR codes continue to explode in popularity as a payments instrument. In China, over the past three years, QR code “scan-to-pay” solutions have grown 15-fold, reaching $1.3 trillion U.S. in the fourth quarter of 2019. And globally, 4% of all consumer transactions leverage a QR code, according to research from Kleiner Perkins Cauf...

/payments /retail

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