15 episodes
Connective Payments Insights Connective Payments, Value Creators in Payments
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- News
Connective Payments Insights is a series of spoken articles on various developments in the connected world of payments. They cover a range of subjects that are changing the payments ecosystem, such as CBDC, BNPL, PSD2 and other relevant regulations, sustainability, new technologies and new products and services in physical and digital payments.
They are aimed at payment companies, banks and FinTechs, retail and online merchants and if you want, the general public. These articles, selected from the "Insights" section on our website, are delivered to you by Connective Payments experts.
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The Art of Onboarding
An onboarding process with a state-of-the-art user experience, while ensuring compliance with legal requirements and limiting the risk of fraud, money laundering and other financial crimes, should be central to your business strategy. Designing and executing it can rightly be called an art: the Art of Onboarding.
This episode of Connective Payments Insights is about a benchmark research we conducted last year into the onboarding processes at 13 financial institutions active in the Netherlands, aimed at small and medium sized business clients.
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SPAA takes Open Banking to the next level
SPAA, an initiative of the European Payment Council (EPC), is a new, voluntary payment scheme. Enrollment for banks and third-party providers has opened on 1 September 2023.
The scheme's ambition is to drive ‘open payments’ in Europe and to become the de facto European standard in the field of open banking.
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The digital euro - turmoil in the final stage of the investigation phase
As the end of the investigation phase comes into view, it is noticeable that the discussion about the digital euro is definitely shifting from the technological to the political domain. The European Parliament is playing an increasing role in the discussion, among others with papers casting doubt on the attractiveness of a digital euro. Meanwhile, the Eurosystem is trying to generate public interest in the project, including through surveys of focus groups in the various euro area countries.
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Public transport payment systems - the convenience game
Anyone who travels through Europe by public transport shares the experience that it is not always clear how to pay your fare. Payment methods and schemes for public transport vary significantly across European countries, reflecting cultural, technological, and economic differences. Is there a trend towards standardisation, which would be in the interest of foreign travellers? And what trends do we distinguish?
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Open Banking beyond PSD2
As the European Commission is still busy evaluating the impact of the Second Payment Services Directive (PSD2), the banking community is looking beyond the Directive and preparing a new scheme for open banking, called SEPA Account Access (SPAA). In this podcast you will get an update on recent developments.
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Embedded finance for SME businesses
At a time when banks are becoming more cautious about lending to small and medium-sized businesses, opportunities are emerging for non-banks to offer banking services to these customers. Accountancy software suppliers have begun leveraging their customer data to offer financial products and payment services to their portfolio, thereby competing with traditional retail banks. Indeed, ’embedded finance’ is disrupting the banking industry and forcing traditional banks to adapt and innovate to remain competitive. However, whether this development will really take off depends on many factors, touched upon in this podcast.
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