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The New Psychology of Contactless in Europe

Contactless payment is shifting retailer and consumer behaviour across Europe. ‘Tap and go’ introduces a whole new psychology, as it removes a number of physical steps when we pay in more traditional ways.  The “pain of paying,” as behavioural economist Dan Ariely explains, is a very conscious moment in the physical payment process that can keep our spending levels in check. Continue reading

Managing Payments Complexity

Whether you’re an ISO, acquirer or merchant, it is virtually certain that your payments environment has become increasingly complex the last couple of years. Advances in device technology – combined with the proliferation of cloud services, mobility and social networks– have created increasingly rapid cycles of innovation and there is no sign that things will slow down. Continue reading

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European Interchange Fee Caps – What Does This Mean?

This month the European Commission recognised a vote by the European Parliament to introduce the adoption of capped interchange fees for payments using debit and credit cards. Coming into effect six months from now, this means a big shake up to the industry’s cost and business models. Currently the European card market is fragmented and interchange fees can differ from country to country, creating imbalance and disadvantages to certain consumer groups while also benefitting others. Continue reading

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The Path to Payments in the UK

Mobile payments are on the move. Presumably, it’s only a matter of time before Apple Pay leaps across the 'pond' from the U.S. to begin the effort to create a global market. With contactless card use and technology deployment on the up in Europe, the foundation is in place for NFC/mobile wallet-based initiatives from all providers. Continue reading

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A New Year – A Fresh Outlook

As we reach out to wish our clients and team mates a Happy New Year, it’s always good to reflect on what we’re actually wishing them. Are we wishing them personal success in a new job, being part of a winning team, luck with finances, stable relationships? Continue reading