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Jennifer Lucas of EY Americas, Andy White of AusPayNet, and Ángel Nigorra of Bizum share insights into local developments and payments in the US, Australia, and Spain.
cross-border payments, ecommerce, ISO 20022, SEPA, local payment method, merchants, debit card, credit card, BNPL, account-to-account payment, mobile payments, e-wallet, cash, marketplace, CNP fraud, online security
A2A payment infrastructure provider Token.io has announced its participation in the SEPA Payment Account Access (SPAA) scheme to support the adoption of A2A payments in Europe.
banking, retail banking, SPAA, digital payments, digital banking
‘The evolving payments landscape demands a recalibration of roles and a transparent framework to facilitate the relationship between public and private entities’, Menno Broos and Ria Roerink from De Nederlandsche Bank share more.
CBDC, wholesale CBDC, central bank, customer experience, digital wallet, e-money
The first cross-border settlement for precious metals using the digital yuan CBDC, known as e-CNY, was completed on 20 December 2023.
CBDC, digital currency, central bank, settlement, digitalisation
As the digital sterling is a once-in-a-generation change in the way that money works, David Birch strongly advises all stakeholders to take the time to work out exactly how it should work and make sure that it is implemented correctly.
wholesale CBDC, CBDC, online payments, banks, cash, API, digital currency, digital euro, digital dollar
We sat down with Ralf Ohlhausen, Chair of ETPPA, to discuss the lessons learned from PSD2, its shortcomings and review, and what are the needs and expectations for PSD3 and PSR.
PSD2, PSD3, PSR, regulation, TPP
Payments expert Piet Mallekoote continues The Paypers CBDC series with a focus on the digital euro: what are its objectives, potential risks, work done so far, and future outcomes.
European Commission, digital euro, CBDC, cash, online payments, banks, EPI, digital identity
The European Payments Council (EPC) has announced the launch of a new payment scheme designed for international instant credit transfers.
payments , product launch, regulation, SEPA
The European Payments Council (EPC) has published the default remuneration model for the SEPA Payment Account Access scheme.
SEPA Payment Account Access Scheme, regulation, Open Banking, payments
Diederik Bruggink, Head of Payments, Digital Finance, and Innovation at WSBI-ESBG, offers a comprehensive overview of PSD3 and PSR, their significance, and the impact they bring to the industry.
PSD3, PSR, Open Banking, payments , PSD2, banks
Collaborating with the Bank of Italy, the Associazione Bancaria Italiana (ABI) has brought together a group of banks in a pilot program for a central bank digital currency (CBDC).
CBDC, central bank, digital currency, regulation
EBA CLEARING has announced it will enrich its SEPA payment systems, RT1 and STEP2, with fraud prevention and detection capabilities by November 2023.
fraud prevention, IBAN, transactions , SEPA, PSP
Lucy Whitehead and Colombe Herault from Worldline explain how identity connects to payments and why it is important for the two of them to interact at the point of payment.
digital identity, payments , merchants, digital payments, data, banks, biometrics, credit card, debit card, KYC
Eric Grover, Principal at Intrepid Ventures, analyses the unbalanced competition between central banks and private-sector payment systems across the globe, revealing what are each’s strengths.
central bank, payments system, cross-border payments, fintech
Tino Meissner, Deutsche Bank: SPAA and the work done by SEPA and the EPC are essential developments towards a market-led Open Finance ecosystem
Open Banking, Open Finance, SEPA API Access Scheme, standardisation
Regulatory fragmentation hampers Europe-wide fraud prevention and detection. Thomas Egner of the Euro Banking Association highlights some of the ongoing fraud-fighting initiatives and stresses the importance of ecosystem collaboration and harmonisation.
SEPA, PSD2, fraud prevention, payments , PSP, regulation
The European Payments Council has launched a public consultation on the draft rulebook of its new SEPA Payment Account Access (SPAA) Scheme.
European Payments Council, SEPA, SEPA API Access Scheme, regulation, Open Banking
Monica Monaco, Owner and Managing Director at Trust EU Affairs, shares her views on Europe’s approach to Open Finance and EC`s initiatives to further Open Finance legislation.
Open Finance, European Commission, PSD2, GDPR, regulation
What could the issuance of retail CBDCs mean for the role of commercial banks? The Euro Banking Association explores where commercial banks could offer compelling value propositions in a future CBDC ecosystem
banks, CBDC, retail, payments , mobile payments, fintech, financial institutions, central bank, digital euro, online payments
SPAA aims to deliver premium payment services with a fair distribution of value and risk amongst participants
SEPA API Access Scheme, Open Banking, PSD2, API standardisation, Open Finance, Open Data Economy