23 May 18 @ 16:46

On 13 March 2018, the regulatory technical standard (RTS) on strong customer authentication (SCA) was finally published in the Official Journal of the European Union – some twenty months after... read more

09 Apr 18 @ 14:21

The overall idea behind PSD2 open banking is not new, Yodlee and others have for a while aggregate accounts, and they have done this through a process known as screen... read more

07 Sep 17 @ 15:15

Conversations are ongoing between the European Commission (EC) and the European Banking Authority (EBA) around the Regulatory Technical Standard (RTS) for Strong Customer Authentication (SCA) under the Payment Services Directive... read more

23 Feb 17 @ 10:13

The European Banking Authority says it will relax its proposed (preposterous) PSD2 rules on a requirement for strong customer authentication for all payments under €10, after receiving a huge number of complaints... read more

03 Mar 26 @ 16:12

Nexi Group has signed a memorandum of understanding with Google Cloud to develop foundational infrastructure capable of supporting agentic commerce across Europe — a move that underscores how AI is... read more

04 Feb 26 @ 17:17

For decades, the POS terminal was a steadfast but unremarkable fixture of retail life — the small, grey box whose sole purpose was to approve or decline a card transaction.... read more

28 Jan 26 @ 21:23

Open Banking has long been promoted as a safer, more controlled alternative to legacy payment rails. New evidence from Open Banking Limited’s latest financial crime update reinforces that claim —... read more

16 Dec 25 @ 14:29

As the European Union (EU)’s third largest economy and a world top ten economic force, Italy has experienced rapid modernisation of its payment systems in recent years, in parallel with... read more

09 Dec 25 @ 13:49

Sweden boasts a stable, highly sophisticated and digitalised modern economy, with one of the lowest percentages of cash usage anywhere in the world. Around one in ten in-store payments in... read more

02 Dec 25 @ 15:57

As Europe’s largest economy, what happens in Germany affects the rest of the continent. Perhaps conscious of this responsibility, Germans have historically taken a cautious attitude to how they pay,... read more

25 Nov 25 @ 13:58

Long-term data from the World Bank shows that Poland has been consistently among the fastest-growing economies in Europe, with a 10-year growth average of 3.7%. This growth is reflected in... read more

20 Nov 25 @ 13:45

AI is about to redefine banking as we know it — not by digitising existing processes, but by taking the act of banking out of consumers’ hands entirely. According to... read more

18 Nov 25 @ 16:19

The United Kingdom is one of the world’s most dynamic payment markets, and a European leader in Open Banking, instant payments and other areas. Despite much hype around new payment... read more

06 Oct 25 @ 15:49

The British e-commerce sector enters 2025 on uncertain footing. Despite steady growth and signs of consumer resilience, retailers now face a sophisticated new wave of fraud — one that extends... read more

20 Aug 25 @ 18:03

The concept of verifying identity has underpinned human civilisation for millennia, from Mesopotamian seals to ink signatures and passports. Today, as the payments industry undergoes rapid transformation, digital identity (DI)... read more

21 Jul 25 @ 18:03

The European digital finance landscape is experiencing yet another fundamental shift with the soon-to-be-released third Payment Services Directive or PSD3. Concentrating on improving consumer protection, refining Open Banking rules and... read more

29 Apr 25 @ 15:49

As 2025 unfolds, a growing number of merchants and consumers are embracing “Pay by Bank” — a payment method allowing users to pay directly from their bank accounts, bypassing traditional... read more

23 Jan 25 @ 14:31

Pay by Bank (PBB), often referred to as account-to-account (A2A) payments, is steadily gaining traction as a compelling alternative to traditional card payments. By leveraging banking rails, Pay by Bank... read more

15 Nov 24 @ 16:01

The UK government has unveiled its National Payments Vision, a forward-looking framework designed to position UK payments as a global leader in payments innovation. This ambitious plan, underpinned by cutting-edge... read more

17 Oct 24 @ 12:30

Our first article in this series established the huge growth today in global instant payments both domestically and across borders. Below, we examine the challenges this creates for banks struggling... read more