Merchants' point of view on evolving role of payments in check-out. From Reach, Ease of Use, Conversion and Cost angle. Setting the stage at each point with a provoking thesis and some challenges for the industry.
Merchants' point of view on evolving role of payments in check-out. From Reach, Ease of Use, Conversion and Cost angle. Setting the stage at each point with a provoking thesis and some challenges for the industry.
Travelex is a leader in foreign exchange services operating in 28 countries and serving over 1.7 billion passengers annually through its airport stores and ATM locations. The company has a history of innovation, launching its online business in 1999 and expanding into new areas like prepaid cards, payments, and ATMs. However, in 2014 Travelex recognized that consumer behavior was changing and pivoted to focus on lifetime customer value over individual transactions and shift investment to digital. This included launching new products like the Supercard, which allows fee-free global spending, and improving social media engagement. Travelex believes understanding customer data better will help form relationships and increase sales through offerings tailored to different traveler types at different stages of their
MASSPAY is a mobile payment system that allows any phone to make contactless payments without modifications or extra hardware. It addresses the problems of cash dominance and the complexity of existing mobile payment solutions. The system works by scanning a merchant's sticker or dialing their number, confirming payment details, and receiving an SMS confirmation. MASSPAY turns any phone into a payment instrument and aims to be simpler than alternatives while avoiding niche approaches. It is developed by an experienced team and aims to benefit both merchants and consumers by increasing sales and convenience without heavy investments.
A Better Payment Experience for EU MerchantsCredorax
E-commerce payment experiences need to change to keep up with shifting consumer demands and technologies. The document introduces Rachel, an online fashion store owner who wants to start accepting payments from customers globally but faces challenges with paperwork and long wait times. A better solution exists that can onboard merchants quickly through digital tools and APIs, allowing payments to be accepted within days along with real-time reporting through a customer portal.
From Illusion to Reality: Turning the World into a Practical E-Global MallCredorax
"Witnessing Cross-Border Successes Daily, Allows Vantiv & Credorax to ‘Knowledge-Share’ with other U.S. Industry Players Looking to Slice off a Piece of the Lucrative Global
E-Commerce Pie" - Vantiv & Credorax talk at #TRANSACT16 about global payments, cross border payments and e-commerce
Merchant acquiring in the age of Digital Commerce, CredoraxCredorax
Global e-commerce is growing rapidly, with cross-border e-commerce sales reaching $300 billion annually and growing over 45% yearly. This presents significant revenue opportunities for payment service providers (PSPs) to give merchants access to international markets. However, PSPs face pressures to innovate and reduce costs while meeting increasing merchant demands for quality, low costs, new markets and tools. Additionally, integrating with multiple acquirers across many countries results in high upfront costs and ongoing complexities for PSPs.
Risk Beyond Acquiring: Merchant Risk Across FinTechGeo Coelho
In our Vendor Spotlight at MAC 2016, Jose Caldera, IdentityMind VP of Marketing & Product, presented a collection of use cases and examples of how IdentityMind clients are applying our platform for merchant risk, fraud prevention, anti-money laundering, and terrorist financing prevention.
The session provided a great introduction to the benefits of our platform, and we've provided a synopsis of it here for those who missed the session, or were curious for more information.
Merchant acquirers face increasing challenges in the rapidly changing global payments landscape, but these challenges also bring new opportunities. The key functions of acquirers include signing up merchants to accept card payments, authorizing transactions, and facilitating clearing and settlement of funds between merchants and card issuers. Acquirers also provide dispute management and information services to merchants. Major challenges for acquirers include regulatory pressures, compliance issues for small merchants, threats from non-traditional players, and fraud; however, opportunities exist in developing new pricing strategies, technological investments, and multichannel acquiring.
Merchants' point of view on evolving role of payments in check-out. From Reach, Ease of Use, Conversion and Cost angle. Setting the stage at each point with a provoking thesis and some challenges for the industry.
Travelex is a leader in foreign exchange services operating in 28 countries and serving over 1.7 billion passengers annually through its airport stores and ATM locations. The company has a history of innovation, launching its online business in 1999 and expanding into new areas like prepaid cards, payments, and ATMs. However, in 2014 Travelex recognized that consumer behavior was changing and pivoted to focus on lifetime customer value over individual transactions and shift investment to digital. This included launching new products like the Supercard, which allows fee-free global spending, and improving social media engagement. Travelex believes understanding customer data better will help form relationships and increase sales through offerings tailored to different traveler types at different stages of their
MASSPAY is a mobile payment system that allows any phone to make contactless payments without modifications or extra hardware. It addresses the problems of cash dominance and the complexity of existing mobile payment solutions. The system works by scanning a merchant's sticker or dialing their number, confirming payment details, and receiving an SMS confirmation. MASSPAY turns any phone into a payment instrument and aims to be simpler than alternatives while avoiding niche approaches. It is developed by an experienced team and aims to benefit both merchants and consumers by increasing sales and convenience without heavy investments.
A Better Payment Experience for EU MerchantsCredorax
E-commerce payment experiences need to change to keep up with shifting consumer demands and technologies. The document introduces Rachel, an online fashion store owner who wants to start accepting payments from customers globally but faces challenges with paperwork and long wait times. A better solution exists that can onboard merchants quickly through digital tools and APIs, allowing payments to be accepted within days along with real-time reporting through a customer portal.
From Illusion to Reality: Turning the World into a Practical E-Global MallCredorax
"Witnessing Cross-Border Successes Daily, Allows Vantiv & Credorax to ‘Knowledge-Share’ with other U.S. Industry Players Looking to Slice off a Piece of the Lucrative Global
E-Commerce Pie" - Vantiv & Credorax talk at #TRANSACT16 about global payments, cross border payments and e-commerce
Merchant acquiring in the age of Digital Commerce, CredoraxCredorax
Global e-commerce is growing rapidly, with cross-border e-commerce sales reaching $300 billion annually and growing over 45% yearly. This presents significant revenue opportunities for payment service providers (PSPs) to give merchants access to international markets. However, PSPs face pressures to innovate and reduce costs while meeting increasing merchant demands for quality, low costs, new markets and tools. Additionally, integrating with multiple acquirers across many countries results in high upfront costs and ongoing complexities for PSPs.
Risk Beyond Acquiring: Merchant Risk Across FinTechGeo Coelho
In our Vendor Spotlight at MAC 2016, Jose Caldera, IdentityMind VP of Marketing & Product, presented a collection of use cases and examples of how IdentityMind clients are applying our platform for merchant risk, fraud prevention, anti-money laundering, and terrorist financing prevention.
The session provided a great introduction to the benefits of our platform, and we've provided a synopsis of it here for those who missed the session, or were curious for more information.
Merchant acquirers face increasing challenges in the rapidly changing global payments landscape, but these challenges also bring new opportunities. The key functions of acquirers include signing up merchants to accept card payments, authorizing transactions, and facilitating clearing and settlement of funds between merchants and card issuers. Acquirers also provide dispute management and information services to merchants. Major challenges for acquirers include regulatory pressures, compliance issues for small merchants, threats from non-traditional players, and fraud; however, opportunities exist in developing new pricing strategies, technological investments, and multichannel acquiring.
Marcus Braun founded Wirecard in 1999, growing it into a large German payments company. However, in 2020 it collapsed after an accounting scandal where it was revealed that €1.9 billion of cash that was supposed to be held in trust accounts likely did not exist. The company had a history of opaque accounting practices, acquisitions with inflated prices, and accusations of artificially inflating profits. Several red flags were raised over the years but Wirecard's auditor EY and German regulators failed to properly investigate, leading to Germany launching an inquiry into the failures to prevent the large scale fraud.
Top 3 banking technologies to hit the marketHeba Hashem
With the rise of internet and smartphone banking, UAE banks have been pressured to enhance their systems and digitise their applications. We examine three of the latest banking technologies to reach the local market.
The convenience of banking through the yearsRabobank
Over the decades from the 1970s to the present, banking has become increasingly digitized and convenient for customers. Direct payments and debit cards in the 1970s reduced the need to visit branches physically. Credit cards were introduced in the 1980s, followed by ATMs and online banking in the 1990s. Mobile banking and payment apps began in the 2000s, allowing customers to manage their finances from anywhere. By the 2010s, most banking activities could be done digitally through online and mobile platforms.
Disruptive Innovationen in der FinanzwirtschaftSemalytix
The Largest Independent Payment Infrastructure
- Germany is still extremely cash-driven
- Especially Low-Income Population Extensively Uses Cash
- Germany’s Largest Independent Payment
Infrastructure
- Strong Partner Network Allows for a Rollout of Services
across Europe
Mobile payment refers to payment services operated under financial regulation and performed via a mobile device. It allows consumers to pay for services and goods using their mobile device instead of cash, checks, or credit cards. There are five primary models of mobile payment: SMS/USSD-based transactions, direct operator billing, application payments using QR codes, NFC payments, and application payments using barcodes. Each method has a different process, but generally involve using the mobile device to make a payment through a mobile app or by sending codes/tapping the device. Mobile payments offer benefits like speed, convenience, and security compared to traditional payment methods.
Open banking and payments are being disrupted by digital transformation with the global commercial payments market valued at $290 billion. The Open Payments Cloud (OPC) provides a solution by allowing developers to publish, deploy, and run payments applications in the cloud to create happier customers. OPC engaged developers through hackathons and competitions, with the winning team of one event providing donors transparency into charitable projects. The OPC Beta is now live.
The document outlines the differences between vascular bundles, flowers, seeds, and root systems between monocotyledonous and dicotyledonous plants. Monocotyledonous plants have scattered vascular bundles in stems, floral parts in multiples of three, and single seed leaves, while dicotyledonous plants have embryos with two seed leaves, floral parts in multiples of four or five, and branched root systems based on a taproot.
www.ikonami.net
Ikonami organized a #drupalMeetup in #Islamabad
Date: August 19, 2015
Presentation Topic: Drupal 8 Overview
Presenter: Asghar Khan
Agenda:
What is Drupal 8? in a line
Drupal 8 new core modules.
Modules removed from core.
Drupal 8 directory Structure.
Drupal 8 module development.
Drupal 8 module routing system
Drupal 8 form API
Drupal 8 Plugin system
Open Discussion:
One-on-One sessions with programmers, who are facing any issue in Drupal 7 customization OR stuck in coding of modules.
Xiaotian Zhang is a Chinese national who has lived in the United States for the past 5 years while attending graduate school. He received his master's degree in computer science from Stanford University last year. Zhang now works as a software engineer for a tech startup in Silicon Valley developing new artificial intelligence applications.
A teen gang in South London must defend their neighborhood from an alien invasion. The 2011 sci-fi film Attack the Block was written and directed by Joe Cornish and stars John Boyega in one of his early roles, along with Jodie Whittaker and Alex Esmail. The gang comes face-to-face with a series of nightmarish creatures that have landed on their block from outer space.
This document summarizes the international expansion of Hotel Booker, an online travel agency. It discusses how the company expanded from the Netherlands to other European countries between 2002-2013, growing its hotel supply from 50 to over 4000 and bookings from 7500 to over 400,000. It then outlines Hotel Booker's strategy to further expand using the same platform and brand across countries. Key aspects of the strategy discussed are preparing by prioritizing nearby markets first, developing a last mile solution to manage content in different languages, implementing scalable payment options, localizing through local marketing/sales teams, and investing over 10.5% of budget in growth.
This document summarizes a research project comparing news coverage of the US fiscal cliff issue in the Wall Street Journal and the Sunday Times. The researcher analyzed 12 articles from the two newspapers and found they both discussed the negative economic impact, while the Sunday Times focused more on the serious situations the US faced and the Wall Street Journal focused more on how the US was preparing for the fiscal cliff. The researcher believes the Wall Street Journal articles were more valuable as they concerned finding solutions rather than just worrying about the problems.
Finding bugs, categorizing bugs and writing good bug reportssachxn1
The document discusses finding, categorizing, and reporting bugs. It provides guidance on finding critical bugs by thoroughly understanding the application, using incorrect data types, load testing, and testing across browsers. Bugs should be categorized based on their priority and severity. Priority indicates how quickly a bug needs to be fixed, while severity represents the importance of fixing it. A good bug report includes steps to reproduce, expected results, and actual results. Popular bug tracking tools like Trac, Zoho, Bloodhound, Bugzilla, and TFS are also briefly mentioned.
Rio Tinto has committed to generating $5 billion of additional free cash flow over the next five years from a productivity drive unveiled today as part of its long-term strategy. In a presentation at an investor seminar in Sydney, Rio Tinto chief executive J-S Jacques underlined the strategy centred around a strong focus on safety, cash generation, a world-class portfolio, commitment to capital discipline and the delivery of superior shareholder returns. Find out more http://bit.ly/RIOseminar
Представлены результаты опроса старшеклассников 16-17 лет на предмет использования социальных сетей. Фокус презентации - возможности социальных сетей для образования и обучения
Seasoned risk manager and underwriter with nationwide underwriting experience looking to bring my underwriting skills and knowledge to a new and growing organization. Lead underwriter for the Trucking and Motor Truck Cargo portfolios for new business and renewal accounts. Professional lines, General Liability, Business Auto, Property and Casualty, Inland Marine, Workers Compensation and Umbrella underwriter as well. Providing exceptional customer service, risk analysis and carrier acceptability for insurance organizations.
Top 8 infant toddler teacher resume sampleskingsmonkey15
The document provides information on useful materials for infant toddler teacher interviews, including resume samples, cover letters, interview questions and answers, and tips. It lists resources from resume123.org on different resume formats, interview questions organized by type, thank you letters, career development advice, and fields and levels related to infant toddler teaching careers.
Marcus Braun founded Wirecard in 1999, growing it into a large German payments company. However, in 2020 it collapsed after an accounting scandal where it was revealed that €1.9 billion of cash that was supposed to be held in trust accounts likely did not exist. The company had a history of opaque accounting practices, acquisitions with inflated prices, and accusations of artificially inflating profits. Several red flags were raised over the years but Wirecard's auditor EY and German regulators failed to properly investigate, leading to Germany launching an inquiry into the failures to prevent the large scale fraud.
Top 3 banking technologies to hit the marketHeba Hashem
With the rise of internet and smartphone banking, UAE banks have been pressured to enhance their systems and digitise their applications. We examine three of the latest banking technologies to reach the local market.
The convenience of banking through the yearsRabobank
Over the decades from the 1970s to the present, banking has become increasingly digitized and convenient for customers. Direct payments and debit cards in the 1970s reduced the need to visit branches physically. Credit cards were introduced in the 1980s, followed by ATMs and online banking in the 1990s. Mobile banking and payment apps began in the 2000s, allowing customers to manage their finances from anywhere. By the 2010s, most banking activities could be done digitally through online and mobile platforms.
Disruptive Innovationen in der FinanzwirtschaftSemalytix
The Largest Independent Payment Infrastructure
- Germany is still extremely cash-driven
- Especially Low-Income Population Extensively Uses Cash
- Germany’s Largest Independent Payment
Infrastructure
- Strong Partner Network Allows for a Rollout of Services
across Europe
Mobile payment refers to payment services operated under financial regulation and performed via a mobile device. It allows consumers to pay for services and goods using their mobile device instead of cash, checks, or credit cards. There are five primary models of mobile payment: SMS/USSD-based transactions, direct operator billing, application payments using QR codes, NFC payments, and application payments using barcodes. Each method has a different process, but generally involve using the mobile device to make a payment through a mobile app or by sending codes/tapping the device. Mobile payments offer benefits like speed, convenience, and security compared to traditional payment methods.
Open banking and payments are being disrupted by digital transformation with the global commercial payments market valued at $290 billion. The Open Payments Cloud (OPC) provides a solution by allowing developers to publish, deploy, and run payments applications in the cloud to create happier customers. OPC engaged developers through hackathons and competitions, with the winning team of one event providing donors transparency into charitable projects. The OPC Beta is now live.
The document outlines the differences between vascular bundles, flowers, seeds, and root systems between monocotyledonous and dicotyledonous plants. Monocotyledonous plants have scattered vascular bundles in stems, floral parts in multiples of three, and single seed leaves, while dicotyledonous plants have embryos with two seed leaves, floral parts in multiples of four or five, and branched root systems based on a taproot.
www.ikonami.net
Ikonami organized a #drupalMeetup in #Islamabad
Date: August 19, 2015
Presentation Topic: Drupal 8 Overview
Presenter: Asghar Khan
Agenda:
What is Drupal 8? in a line
Drupal 8 new core modules.
Modules removed from core.
Drupal 8 directory Structure.
Drupal 8 module development.
Drupal 8 module routing system
Drupal 8 form API
Drupal 8 Plugin system
Open Discussion:
One-on-One sessions with programmers, who are facing any issue in Drupal 7 customization OR stuck in coding of modules.
Xiaotian Zhang is a Chinese national who has lived in the United States for the past 5 years while attending graduate school. He received his master's degree in computer science from Stanford University last year. Zhang now works as a software engineer for a tech startup in Silicon Valley developing new artificial intelligence applications.
A teen gang in South London must defend their neighborhood from an alien invasion. The 2011 sci-fi film Attack the Block was written and directed by Joe Cornish and stars John Boyega in one of his early roles, along with Jodie Whittaker and Alex Esmail. The gang comes face-to-face with a series of nightmarish creatures that have landed on their block from outer space.
This document summarizes the international expansion of Hotel Booker, an online travel agency. It discusses how the company expanded from the Netherlands to other European countries between 2002-2013, growing its hotel supply from 50 to over 4000 and bookings from 7500 to over 400,000. It then outlines Hotel Booker's strategy to further expand using the same platform and brand across countries. Key aspects of the strategy discussed are preparing by prioritizing nearby markets first, developing a last mile solution to manage content in different languages, implementing scalable payment options, localizing through local marketing/sales teams, and investing over 10.5% of budget in growth.
This document summarizes a research project comparing news coverage of the US fiscal cliff issue in the Wall Street Journal and the Sunday Times. The researcher analyzed 12 articles from the two newspapers and found they both discussed the negative economic impact, while the Sunday Times focused more on the serious situations the US faced and the Wall Street Journal focused more on how the US was preparing for the fiscal cliff. The researcher believes the Wall Street Journal articles were more valuable as they concerned finding solutions rather than just worrying about the problems.
Finding bugs, categorizing bugs and writing good bug reportssachxn1
The document discusses finding, categorizing, and reporting bugs. It provides guidance on finding critical bugs by thoroughly understanding the application, using incorrect data types, load testing, and testing across browsers. Bugs should be categorized based on their priority and severity. Priority indicates how quickly a bug needs to be fixed, while severity represents the importance of fixing it. A good bug report includes steps to reproduce, expected results, and actual results. Popular bug tracking tools like Trac, Zoho, Bloodhound, Bugzilla, and TFS are also briefly mentioned.
Rio Tinto has committed to generating $5 billion of additional free cash flow over the next five years from a productivity drive unveiled today as part of its long-term strategy. In a presentation at an investor seminar in Sydney, Rio Tinto chief executive J-S Jacques underlined the strategy centred around a strong focus on safety, cash generation, a world-class portfolio, commitment to capital discipline and the delivery of superior shareholder returns. Find out more http://bit.ly/RIOseminar
Представлены результаты опроса старшеклассников 16-17 лет на предмет использования социальных сетей. Фокус презентации - возможности социальных сетей для образования и обучения
Seasoned risk manager and underwriter with nationwide underwriting experience looking to bring my underwriting skills and knowledge to a new and growing organization. Lead underwriter for the Trucking and Motor Truck Cargo portfolios for new business and renewal accounts. Professional lines, General Liability, Business Auto, Property and Casualty, Inland Marine, Workers Compensation and Umbrella underwriter as well. Providing exceptional customer service, risk analysis and carrier acceptability for insurance organizations.
Top 8 infant toddler teacher resume sampleskingsmonkey15
The document provides information on useful materials for infant toddler teacher interviews, including resume samples, cover letters, interview questions and answers, and tips. It lists resources from resume123.org on different resume formats, interview questions organized by type, thank you letters, career development advice, and fields and levels related to infant toddler teaching careers.
Top 8 enrichment teacher resume sampleskingsmonkey15
The document provides information about resume samples and interview materials for enrichment teachers. It lists 8 types of resumes including chronological, functional, curriculum vitae (CV), combination, targeted, professional, new graduate, and executive resumes. It also provides links to additional resources on resume writing tips and sample resumes, cover letters, and interview questions and answers to help with teacher applications and interviews.
Merchant's point of view on the evolving role of payments in check-out. Discussed from 4 angles: Reach, Ease of Use, Conversion, Cost. For each angle posing a provoking thesis and some challenges for the industry.
Nick Senechal What kind of doughnuts will we needBogdan Stavrev
The document discusses emerging challenges and solutions for automated clearing houses (ACHs). It notes that ACHs have traditionally provided centralization, simplification, and efficiency for banks, but that regulators are now focused on increasing competition and access to payment services for customers. The document also discusses the need for ACHs to support innovation, compete internationally, and adapt to new technologies or risk being replaced by substitutes. It argues that for ACHs to still be relevant in the future, they will need to continue providing liquidity, connectivity, routing simplicity, consistent service levels, and the capability to support new real-time services and innovations.
Paying for stuff is, unfortunately, something we do every day! Be it with cash, cards, mobile phones or with our fingerprints and faces, we send money from one account to another. Globally speaking, cash is still king, but the payment experience is undergoing radical disruption which for the time being especially involves the act of payment more than the processing that goes on behind it. This presentation provides a description of payment processes and the new trends that are slowly but surely re-shaping the way we pay money. The authors are Philippe Collombel, Nico Valenti Gatto and Tanguy Confavreux who all work for Partech Ventures, a global venture capital fund with offices in San Francisco, Paris, Berlin and Dakar.
This document discusses mobile payments and analyzes Apple Pay. It provides background on early mobile payment solutions from 2000-2014 that failed to gain traction. It then summarizes how Apple Pay works, including using Touch ID for authentication and storing card details securely on devices. The document also discusses Apple Pay's potential business model of charging a 0.15% cut of transaction values and how it relies on existing payment networks and processors rather than creating a new ecosystem.
Exploring the next generation mobile payment solutionitnewsafrica
Digital Finance Africa 2022 - https://itnewsafrica.com/event/ hosted by IT News Africa is the definitive annual event on technology leadership in the financial services industry. It asks the hard questions not asked in other conferences and identifies the skills required to steer a course in an age where the entire industry is transforming rapidly. This is a Summit for bold,visionary leaders who are willing to take calculated risks as much as they are willing to consolidate, who know what to give up as much as what they expect to gain.
Smart Recurring Payments is a fintech startup founded in 2009 that provides recurring payment solutions. They manage recurring payments through direct debit and cards, helping reduce churn and increase customer lifetime value for over 2,000 clients in various industries. The company has 65 payment experts across 5 offices in Europe, processes over 5 billion euros annually, and raised 15 million euros in capital in 2015.
Please find here the presentation I've realised for VISA EUROPE for my 2d interview of the hiring process :
Initial subject : What position would you recommend to allow Visa to maintain its leadership in payment e.commerce?
Context : 7 days to realize it with my current job
Visa's conclusion of my presentation :
- Presentation was not enough VISA centric (sorry that eCommerce is not focus on Visa)
- I was supposed to explain more the V.me solution which is not yet released/official in Europe : V.me = Paypal copycat (this was not the subject !)
Very good exercise, but very disappointed with Visa methodology and behavior.
Anyway, the presentation is not perfect, but I should have charge VISA Europe.
Because, I 'm not a Visa collaborator, I can share this presentation I've realised.
Don't hesitate to contact me if you have any questions.
AUSUM Ventures is creating an all-inclusive point-of-sale (POS) system that addresses issues with traditional credit/debit cards and offers alternatives. It highlights problems like insecurity and high fees with plastic cards and argues Bitcoin provides a secure, cheap alternative without fees or exposing financial information. The AUSUM POS system supports new EMV credit/debit card standards, contactless payments via NFC/NFS, and digital currencies to give merchants a future-proof solution.
This document summarizes mobile payments from Telefónica Czech Republic's perspective. It discusses Telefónica's experience with mobile payment services in Czech Republic over the past 10 years. It also outlines opportunities for mobile network operators to engage in mobile payments. Some technical solutions and risks are described, along with recommendations to balance security and convenience for users. The document concludes mobile payments can help operators return to the value chain and offset declining content revenues.
Mr. Ali Rashid al Mohannadi's presentation at QITCOM 2011QITCOM
The document discusses the evolution of mobile banking and payment technologies. It describes how mobile banking has expanded from SMS-based services to smartphone applications. Mobile payment technologies like NFC are also discussed, along with challenges in developing sustainable business models. Multiple players are seeking to take a leading role in the mobile wallet ecosystem, including telecom operators, handset manufacturers, and banks. The future of mobile payment remains uncertain, as it needs to prove significantly more convenient than existing payment methods to gain widespread adoption.
Kurt Schmid discusses digital payment trends and strategies for issuers. He outlines the growth of digital wallets and proximity payments. Tokenization securely digitizes cards and scales payments by using scheme token services. Wallets offer issuers opportunities to build brands and relationships through additional services beyond payments. While third party wallets control interfaces, issuers can deploy their own wallets and enable Apple Pay to retain customer touchpoints. Tokenization also benefits e-commerce by replacing stored card data with tokens to reduce fraud while maintaining security. Issuers should view digital payment investments strategically rather than just financial returns due to benefits like increased customer loyalty and transactions.
In its capacity as chairman of the transactions expert group within the Shopping2020 research platform, Innopay has the honor to present a new report: How do the Dutch pay in 2013? The report sketches the trends that shaped the transactions of today and describes the way at which Dutch consumers are paying. Above that the report sketches the future of (online) shopping and paying by identifying the most important trends.
The publication was made possible by the Shopping2020 'transactions' expert group, existing of 23 members hosted by Equens and chaired by Innopay.
This document describes an international payment service called Joys that allows users to make payments for goods and services using cryptocurrencies and national currencies. Joys aims to create a new worldwide payment infrastructure that integrates blockchain projects and cryptocurrencies into the traditional economy. It discusses Joys' solutions, operations, partnerships, and financial projections to transform digital money into real goods and services purchases globally.
Fintech Belgium_Webinar 10: Alternative Payments / Covid-19: Home Working Cha...FinTech Belgium
This document outlines an agenda for Webinar 11 on alternative payments and the coronavirus homeworking challenge. There will be presentations from five speakers on topics including digital payment methods, how to support local economies, and new prepaid card solutions. Lotta de Meulenaere from Bancontact Payconiq Company will discuss their digital payment apps and efforts to support medical and hospitality sectors. Nadège Foccart from Monizze will cover their dedicated digital payments and new Activ' product. Robert Masse from Loyaltek will present their new prepaid card and helicopter money programs. Bernard Noël de Burlin from JOYN will discuss combining loyalty and contactless payments to support local businesses remotely. The webin
The document discusses IBM Payments Gateway, a solution that provides secure online payment processing capabilities. It offers a variety of payment options, global acceptance of over 170 payment methods across 70 countries, and centralized payment management. The solution provides security through encryption of payment data in a PCI-compliant vault and tokenization. It also offers automated reconciliation, reporting and settlement to streamline payment processing. Case studies demonstrate how the solution has supported increased online sales, digital wallet services, and processing of transportation tolls and fees.
Digits aims to turn any credit or debit card into a crypto card by integrating cryptocurrency payments into the existing credit and debit card networks. This would allow consumers to easily pay for goods and services with cryptocurrency using their existing credit/debit cards. On the backend, purchases would be instantly funded using the consumer's cryptocurrency funds, making the process similar for merchants as traditional card payments. The goal is to increase cryptocurrency adoption by making it as easy to use as traditional payment methods.
The document discusses challenges and recommendations around e-commerce from an online discussion group. It covers topics like barriers to e-commerce like payments and regulations; trustmarks to increase small business opportunities; mobile payments needs, methods, and privacy concerns; and the role of standards, companies, and policies. Key issues included how to help small sellers, payment harmonization, data privacy, and enabling innovative low-cost payment solutions.
Similar to 2015 september 15th london merchants & payments key note - future of check-out (20)
2015 march 3rd houten nl online betaalcongres key note - toekomst check-outDennis Van Allemeersch
Merchants' point of view on evolving role of payments in check-out. From Reach, Ease of Use, Conversion and Cost angle. Setting the stage at each point with a provoking thesis and some challenges for the industry.
Mobile payments are growing in popularity as more traffic comes from mobile devices, but Hotel Booker's conversion rate on mobile trails desktop. Customers drop off more on mobile, especially at the payment step, due to bad user experience navigating content and choosing dates. To improve the mobile experience, Hotel Booker is working towards one-click payments using methods like storing payment information, single page checkout screens, and social logins. The EU could help increase mobile payments by addressing legislation, identification, and security issues, but current solutions are still sub-optimal or too slow.
Securing BGP: Operational Strategies and Best Practices for Network Defenders...APNIC
Md. Zobair Khan,
Network Analyst and Technical Trainer at APNIC, presented 'Securing BGP: Operational Strategies and Best Practices for Network Defenders' at the Phoenix Summit held in Dhaka, Bangladesh from 23 to 24 May 2024.
HijackLoader Evolution: Interactive Process HollowingDonato Onofri
CrowdStrike researchers have identified a HijackLoader (aka IDAT Loader) sample that employs sophisticated evasion techniques to enhance the complexity of the threat. HijackLoader, an increasingly popular tool among adversaries for deploying additional payloads and tooling, continues to evolve as its developers experiment and enhance its capabilities.
In their analysis of a recent HijackLoader sample, CrowdStrike researchers discovered new techniques designed to increase the defense evasion capabilities of the loader. The malware developer used a standard process hollowing technique coupled with an additional trigger that was activated by the parent process writing to a pipe. This new approach, called "Interactive Process Hollowing", has the potential to make defense evasion stealthier.
Discover the benefits of outsourcing SEO to Indiadavidjhones387
"Discover the benefits of outsourcing SEO to India! From cost-effective services and expert professionals to round-the-clock work advantages, learn how your business can achieve digital success with Indian SEO solutions.
Honeypots Unveiled: Proactive Defense Tactics for Cyber Security, Phoenix Sum...APNIC
Adli Wahid, Senior Internet Security Specialist at APNIC, delivered a presentation titled 'Honeypots Unveiled: Proactive Defense Tactics for Cyber Security' at the Phoenix Summit held in Dhaka, Bangladesh from 23 to 24 May 2024.
9. 99
Trend: Further European payments integration
… however: focus on ‘traditional’ payments, online
still too country specific (= hassle)
XS2A
10. 1010
Thesis: Online payments market only mature at a
national level
… because: too fragmented, making it difficult for
cross-border trade & merchants in particular
11. 1111
Challenge: Seamless integration and at a min.
interoperability (ideally full harmonization)
… accelerating the API-economy for banks, with
further regulation as potential pressure instrument
14. 1414
Trend: … and no trend would be complete
w/o Mobile of course
… once at the booking page, bring clients as fast
as possible to payment w/o need to think
=> 1 (2) - click payment, also on mobile!
15. 1515
Thesis: Mobile not designed for conversion … but
for risk
… because: too much thinking from the ‘old’
desktop world
16. 1616
Thesis: Payment methods (especially alternative
payments) suffer from functionality bloat / overload
… however: getting too much, need to go directly
to payment, no distraction / x-sell at check-out
17. 1717
Challenge: Innovation needs to serve simplification
instead of diversification !
… less is more!
Stick to your core trade ?!
18. 1818
Challenge: Mobile innovation also needs to facilitate
x-border ease of use
… ideally with 1 European protocol for mobile
payments
20. 2020
Trend: Fees are under pressure
… rightfully so, off-line is already pretty efficient,
but still gap with online
21. 2121
Thesis: Not only direct, but also indirect costs need
to go down
… because: payment disruptions cost money and
settlement days still date from the batch days