14 Dec 23 @ 16:28

As banks struggle to make a profit and the ESG trend fades quicker than a fake sun-tan, James Wood asks whether sustainability still matters in payments. Despite all the negative... read more

24 Oct 23 @ 10:31

As we write about Elon Musk’s plans for X and the future of Open Banking in Europe, news reaches PCM of an alternative to either the social media giants or... read more

14 Aug 23 @ 16:16

The last eighteen months have seen fintechs and blockchain companies take a hammering. As the dust settles, Managing Editor James Wood asks what comes next. First, the stark facts. Last... read more

06 Jun 23 @ 11:46

Fabrick and its subsidiary Axerve have released a new whitepaper, “Alternative payment solutions: how they are changing the payment scene”. The paper explores the ways in which alternative payments are... read more

05 Apr 23 @ 09:58

Five years after firing the starting gun on Open Banking, it looks like things are going well in the UK. However, a key question remains – especially for the fintechs... read more

16 Feb 23 @ 16:41

Following a stellar 2021, combined equity investment raised by British fintech firms plunged from £2.13bn during Q2 2022 to £491m in Q3, according to new research published by Deloitte. The... read more

16 Feb 23 @ 16:18

New technologies such as Account-to-Account payments and Open Banking are taking intermediaries out of the value chain in payments, while fresh advances in blockchain threaten total disintermediation. James Wood looks... read more

24 Oct 22 @ 13:06

For some time, the US credit card business has struggled with burgeoning costs and decreasing profitability. Now a range of factors – including rising inflation, a weakening economy and increased... read more

25 Aug 22 @ 11:16

In this article we look at the effect of an economic slowdown on payment choices, and ask whether BNPL will continue to be the poster-child of payments in this new... read more

26 May 22 @ 06:16

BNPL products are a payments phenomenon, with Grandview Research valuing the global market at €3.6 billion in January 2021, rising to €17.9 billion by 2028 for year-on year growth of... read more

21 Apr 22 @ 10:09

As BNPL continues to soar and clamour to regulate grows, industry leaders are adopting a war mentality, criticising the credit card sector. HOWEVER, the right regulation is required to prevent... read more

17 Feb 22 @ 14:32

The 2021 State of Finance study from App Annie reveals just how fast the world of personal finance is going digital. Within this revolution, buy-now-pay-later and cryptocurrency services are growing... read more

16 Dec 21 @ 13:12

Here at PCM, it can be hard to keep track of all the good news stories flying around about the “Buy Now, Pay Later” (BNPL) segment. Record annual growth, charitable... read more

24 Aug 21 @ 09:21

For more than a decade, the shift to e-commerce and mobile has brought huge amounts of investment into payments. As further fresh investment rounds are announced, PCM asks whether a... read more

24 Aug 21 @ 09:15

Credit cards are becoming less profitable for banks even as lower-cost alternatives such as buy-now-pay-later schemes and digital wallets with a credit function are emerging. If credit cards are to... read more

09 Jun 21 @ 03:52

While most of the world can’t travel across borders just yet, we can certainly shop across them. Data shows that almost 24 percent of e-commerce purchases in Europe are international.... read more

09 Jun 21 @ 03:46

POS finance, composed of BNPL (Buy Now Pay Later) and ePOS Credit, is set to exceed $760 billion e-commerce transaction value by 2025. BNPL alone will see $258 billion in... read more

01 Apr 21 @ 13:09

The WorldPay/FIS Global Payments Report 2021 is one of the landmark studies in the payments calendar. This year, the report suggests a barely-credible rise in digital wallet use in both... read more

23 Dec 20 @ 12:07

From acquiring to fraud, the role of big tech, mobile wallets and faster payments – PCM’s James Wood asks industry leaders to play Gypsy Rosie Lee and read what’s on... read more

18 Aug 20 @ 12:10

It’s been more than two years since the EU launched Open Banking in January 2018. PCM asks how much has really happened since then – and where the future lies... read more