This report emphasises the seismic change that COVID-19 will have on how we use payments to live, work and shop and the effect this will have on the shape and size of the payments industry.
Your one-stop guide by Modulr to making sense of the bright new future that’s just around the corner. This eBook is intended for businesses across lending, FinTech, employment services, payroll, travel, accounting and many more services.
The Payments Association’s Project Regulator brings our members together to consider regulatory issues, provide feedback to the regulators and influence change.
This report discusses the fight against fraud and financial crime. It makes the case for increased investment in technology systems and greater centralisation and consolidation of department responsibilities. The content of this report draws on discussions at a workshop organised by the Payments Association.
This report provides a detailed summary of fraud up to the present, the various solutions that have been developed to tackle it, an explanation of the innovative new technologies being utilised against fraudsters, and how fraud is expected to evolve in the future.
The guide describes an AML risk assessment and why is it necessary. It describes an ‘EnterpriseWide Risk Assessment (EWRA)’ and a ‘Customer Risk Assessment (CRA)’. It then makes the case for why and how often a risk assessment should be conducted.
The first edition of the Payments Association’s Guide to Payment Account Providers. This is the first time that anyone in the UK has invited all providers to contribute to an independent, objective summary of providers.
This report covers realtime bank payments and card payments as well as transaction data. It has been produced based on discussions from a workshop that was arranged by the Payments Association.
A summary-level guide, based on internal data, to current salary levels in UK FinTech
The Payments Association, in conjunction with the European Women in Payments Network (EWPN) undertook this project to: 1) set a baseline in gender equity issues that will
allow for the measurement of change over time; 2) understand the social and structural barriers that inhibit change, and 3) make recommendations
This report discusses how innovation and regulation within lending and credit will impact the payments industry and consumers. It has been produced based on discussions from a workshop that was arranged by the Payments Association.
A White Paper on the impact of Strong Customer Authentication strategies on the experience of payments users and what this means for the industry.
This document was created to assist the industry in implementing the requirements of proportionality, objectivity and nondiscrimination (POND) set out in the Payment Services Regulation 2017 (PSRs), Regulation 105.
In this report SWIFT examines the trends observed over the course of 2018 and 2019, showcasing how both business and security information can utilise tell-tell signs, and become key in detecting and responding to attempted attacks.
This report discusses data markets, value cycles, and evolving business models around data monetisation. It has been produced based on discussions from a workshop that was arranged by the Payments Association.
The report explores the disruptive innovations and technologies that are or will be relevant in shaping and managing digital businesses, the impact that these innovations will have upon the payments ecosystem, and the social and commercial drivers which will enable these innovations to flourish. It has been produced based on discussions from a workshop that was arranged by the Payments Association.
A whitepaper that details the anti-money laundering considerations in EEA jurisdictions
This report explores the disruptive innovations and technologies that are or will be relevant in shaping international trade finance and global commerce, the impact that these innovations will have upon the payments ecosystem, and the social and commercial drivers which will enable these innovations to flourish. It has been produced based on discussions from a workshop that was arranged by the Payments Association.
9 industry experts share their latest and greatest insights
Analysis of payments-related financial crime and how to minimise its impact on the UK In association with Barclays, Refinitiv and a syndicate of Payments Association members
An in-depth analysis of today’s dynamic payments environment
An in-depth analysis of the development of new payments ecosystems, which are opening new horizons in payments and transaction banking.
This paper explores some of the challenges that the industry faces if it is to unlock the potential of API technology
This report sets out the contribution the financial sector makes, some of the challenges the sector faces, and the key steps to enable financial services to support UK growth and promote world-class financial services that will deliver great customer outcomes.
A research report on the competitiveness and effectiveness of the personal current account market
Consumer demand for fast, frictionless, and low-cost international transactions has necessitated an increasingly global payments landscape. This shift presents many opportunities, but also many challenges, particularly for small and medium-sized merchants that want to expand into new territories.
Our research reveals the pain points for merchants that trade internationally.
Consumer experience is the new competitive differentiator for prepaid programs
This report by Rich Wagner, CEO and founder APS and former Chairman of the The Payments Association, has been devised with insights from the Payments Association’s members, which outlines our consolidated views on how to build a payments system that works for the banks – without excluding the increasingly influential alternative payment providers.
Is your business getting lost in the rapidly changing payments landscape?
Lost in Transaction is Volume One of a new independent research project conducted by Paysafe in conjunction with Loudhouse, a London-based research agency.
CURRENT ACCOUNT SWITCH SERVICE DASHBOARD – Issue 15: Covering the period 1 April 2017 to 30 June 2017
This paper explores how you can potentially use payments services to compete as well as comply.
This report examines the challenges facing merchants when it comes to fraud prevention, and explores the methods they can utilise in order to implement a successful fraud strategy.
In this paper, we reveal how new payment technology and evolving PSP relationships can be used to deliver five powerful payment strategies that will ensure crossborder success for business growth.
The Payments Association and the Prepaid International Forum are continuing to lobby to preserve passporting for UK firms but have also conducted research into options should a hard Brexit become reality. Robert Courtneidge, Global Head of Cards & Payments at Locke Lord LLP and founder of the Prepaid International Forum, discusses here the research’s findings and the options for prepaid firms.
This report examines the crucial role that integrated payments platforms play in developing a successful ISV/VAR business, and the key components developers should consider when reviewing prospective payment service providers (PSPs) to partner with.
This report provides members of the Payments Association and the wider FinTech community with a guide to use if the UK’s departure from the EU denies them passporting rights. While likely to have a negative impact on its economy, the report shows that there are alternatives that payments companies based in the UK can go to ensure Brexit’s negative impact on payments companies is minimised.
This report heralds what the Payments Association hopes will be the beginning of a series of such reports to create clarity regarding payment regulations and the complex nature of payment transactions.
This study contains some great insight into the challenges and opportunities involved with funding, an analysis of the investment trends currently being witnessed, as well as an assessment of the business and investor lifecycles currently anticipated in this exciting and accelerating sector.
With the changes in interchange coming in that affect only consumer bins there has been a renewed focus from many brands and issuers on what constitutes a commercial BIN.
This whitepaper summarises the main challenges travel retailers and intermediaries face in the current market. It also offers six practical tips for achieving an edge by using an increasingly popular payment solution: virtual cards.
Key facts on cross-border consumer finance in Europe
An evaluation of the international FinTech sector
This paper outlines the steps involved in deploying a wearable for payment and then shows how the DigiSEq service removes the complexity of deployment allowing all types of wearables to be provisioned with a high degree of flexibility, in all environments, for both large and small-scale rollouts and at a very low cost.
The aim of this joint report by Euroclear and Oliver Wyman is to help leaders in capital markets to understand the potential of the technology, lay out the paths for its adoption, and present the decisions that are required by capital markets firms today.
This paper provides a primer on the basics of Bitcoin and discusses the existent narratives about the technology’s potential to facilitate remittances, financial inclusion, cooperative structures and even micro-insurance systems.
In this interim report we set out our initial view on the ownership and competitiveness of infrastructure provision.
This Call for Input (CfI) seeks views on existing guidance the FCA published in 2009 to assist firms in complying with their legal requirements under the payment services regime.
Speech by Yves Mersch, Member of the Executive Board of the ECB, at the Banque de France Conference on card payments in Europe – latest trends and challenges, Paris, 18 January 2016
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