Nicolas Raffin - Payments & other things
12.2K views | +5 today
Follow
 
Scooped by Nicolas Raffin
onto Nicolas Raffin - Payments & other things
Scoop.it!

SIXDOTS QR code-based mobile payments app launches in Belgium

SIXDOTS QR code-based mobile payments app launches in Belgium | Nicolas Raffin - Payments & other things | Scoop.it
A QR code-based mobile wallet that can be used for in-store, in-app, online and P2P payments has launched in Belgium with the backing of the country's major banks.
Nicolas Raffin's insight:

Seems to be quite easy to use : "Sixdots" stands for the 6-digits PIN code used to validate a transaction. Check on https://www.sixdots.be/

But same questions as the ones around Apple Pay : which acceptance network and if it provides payment only, is that enough to gain user adoption vs a "good old tap" with a contactless card ?

more...
No comment yet.
Nicolas Raffin - Payments & other things
Your new post is loading...
Scooped by Nicolas Raffin
Scoop.it!

#FoodTech : Le digital booste le ticket moyen de la restauration rapide

#FoodTech : Le digital booste le ticket moyen de la restauration rapide | Nicolas Raffin - Payments & other things | Scoop.it

Les commandes passées par les canaux digitaux feraient croître de 23 % le ticket moyen en restauration rapide selon le cabinet The NPD Group. 


A lui seul, le #click&collect pèse déjà 100 millions de visites en 2017. 


Le créneau de la soirée est sur-représenté puisqu’il concentre 36 % des commandes digitales en restauration rapide concentrées entre 19 et 22 heures, contre 20 % des commandes dites « classiques » (comptoir, via téléphone, via drive…). 


Les Millennials pèsent à eux-seuls 56 % des commandes numériques en restauration rapide. 


 Mais le digital, c’est aussi davantage de flexibilité pour le consommateur, comme pour le restaurateur. La pratique du click & collect, qui consiste à réserver ou commander en ligne avant de venir retirer en point de vente, en est l’illustration. En effet, seules 60 % des commandes « click & collect » sont passées entre 12 h et 14 h contre 80 % pour les commandes traditionnelles. Conséquence logique, pas moins de 2 commandes sur 5 en click & collect sont passés en horaires décalé. Cette redéfinition, grâce au digital, d’un moment de consommation clé de la journée permet ainsi au restaurateur de mieux gérer son stock, ses process… et ses files d’attentes !

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Instagram déploie la fonction "Shopping" en France

Instagram déploie la fonction "Shopping" en France | Nicolas Raffin - Payments & other things | Scoop.it

Après un premier essai aux Etats-Unis, Instagram met à disposition des marques la fonction Shopping à partir de ce mardi 20 mars 2018, en France et dans sept autres pays. Via un tag sur les visuels, les utilisateurs qui cliquent sur ces icônes seront redirigés vers les sites marchands des produits.


Concrètement, les visuels seront taggués par les marques. Si l’utilisateur tapote sur ces liens où est indiqué le prix de vente, il sera alors redirigé vers le site marchand pour finaliser son achat. Un visuel pourra contenir jusqu’à 5 tags pour rediriger vers la vente des objets illustrés.


En France, cinq marques se sont déjà prêtées la phase de test : Sephora, Clarins, La Redoute, Birchbox et Le slip français. La Redoute aussi s’enthousiasme de cette nouvelle possibilité : « Quand nous postons des photos, on a toujours des commentaires pour nous demander la référence ! Désormais, notre catalogue d’inspiration sera plus opérationnel pour nos followers ».

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

When do banks need to be ready for PSD2 ? Focus on the key dates 

When do banks need to be ready for PSD2 ? Focus on the key dates  | Nicolas Raffin - Payments & other things | Scoop.it
On November 27 last year, the RTS were finally released by the European Banking Authority (EBA). So there is finally a much clearer timeline to work towards. 

Much of last year’s buzz was debate on the RTS requirements. Merchants were not happy with the balance between security and user convenience. Fintechs were not happy either, complaining about how they would access customer information held by banks. And both groups are perhaps still not completely satisfied. 

But today it seems that discussions are over, and the text should remain as it is – although the European Parliament and the European Council do have a three-month delay in which they could amend some points or tweak the calendar. 

 Let’s take a look at that calendar. Here are the key dates that we know already: 
- January 2016: PSD2 came into force 
- November 27, 2017: The RTS were released 
- January 2018: Each country had to transpose the Directive into national legislation 
- End of February, 2018: The RTS are expected to be formally approved by the European Parliament and the European Council, opening the 18-month delay for their actual implementation
- September 2019: Payment Service Providers (PSPs) must be ready to go, having implemented the RTS security and functional requirements

....but banks will have to offer their open APIs to Third-Party Providers (TPPs) for testing and integration, 6 months before the final implementation date. This means that their APIs must be ready not by September 2019, but six months earlier: March 2019

So what is the key take-away for banks? Essentially, the buzz on PSD2 is getting louder because time is now very short. The calendar is tight, and European banks need to act now.
more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

SMART STORE TECHNOLOGIES TO GENERATE OVER $78 BILLION IN ANNUAL TRANSACTION REVENUE BY 2022 (Juniper Research)

SMART STORE TECHNOLOGIES TO GENERATE OVER $78 BILLION IN ANNUAL TRANSACTION REVENUE BY 2022 (Juniper Research) | Nicolas Raffin - Payments & other things | Scoop.it
#invisiblepayment technologies, aimed at reducing or removing physical checkouts from the retail experience, will process over $78 billion in transactions by 2022, up from an expected $9.8 billion this year, a new study from Juniper Research has found. 

These deployments, in single figures today, will reach over 5,000 retail outlets over the next 5 years as retailers seek to make consumer experiences frictionless and more engaging. Meanwhile, the number of consumers using checkout apps, which allows them to scan their own shopping, will grow from just under 4 million to over 30 million in the same period.

Initially, the majority of revenues from new retail technologies would be derived from 2 elements: checkout apps and automatic scanning

Full report :
more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

USA : Identity Fraud Hits Record High in 2016 : 15.4 Million U.S. Victims (+16%) and $16bn stolen (Javelin)

USA : Identity Fraud Hits Record High in 2016 : 15.4 Million U.S. Victims (+16%) and $16bn stolen (Javelin) | Nicolas Raffin - Payments & other things | Scoop.it

The 2017 Identity Fraud Study released today by Javelin Strategy & Research (@JavelinStrategy), revealed that the identity fraud incidence rate increased by sixteen percent, a record high since Javelin Strategy & Research began tracking identity fraud in 2003. 


The study found that despite the efforts of the industry, fraudsters successfully adapted to net two million more victims this year with the amount fraudsters took rising by nearly one billion dollars to $16 billion.

With the adoption of EMV (embedded chip) cards and terminals, the types of identity fraud continued to shift online and away from physical stores. The complexity of fraud is also on the rise as criminals are opening more new accounts as a means of compromising accounts consumers already have.


This last year saw a notable change in how fraud is being committed. While credit card accounts remained the most prevalent targets for new account fraud, there was significant growth in the opening of new intermediary accounts, such as email payments (e.g. PayPal) and other internet accounts (e.g. e-commerce merchants such as Amazon) by fraudsters. Although not as easily monetized alone, these account types are invaluable in helping fraudsters transfer funds from the existing accounts of their victims. The study also found three significant changes in data breaches in 2017. 


Nearly a third (30 percent) of US consumers were notified of a breach in the past year, up from 12 percent in 2016. For the first time ever, Social Security numbers (35 percent) were compromised more than credit card numbers (30 percent) in breaches. Finally, data breaches are causing consumers to lose trust in institutions. These trends combined to cause consumers to shift the perceived responsibility for preventing fraud from themselves to other entities, such as their financial institution or the companies storing their data.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Lydia totalise 1,4 million de clients fin 2017

Lydia totalise 1,4 million de clients fin 2017 | Nicolas Raffin - Payments & other things | Scoop.it

La fintech française spécialisée dans le paiement mobile livre ses résultats pour l’année 2017. À la suite du déploiement de sa solution dans quatre nouveaux marchés, la start-up au 1,4 million d’utilisateurs entend conquérir 600 000 nouveaux clients au cours de l’année 2018.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Starbucks confronts the limits of its mobile expertise

Starbucks confronts the limits of its mobile expertise | Nicolas Raffin - Payments & other things | Scoop.it

Mobile payments plateau 


Starbucks has for some time been the poster child of mobile payments acceptance in the U.S., but even this success may be tapering off. The company reported that 30% of total tender is now via mobile payment, a figure that has not increased since the milestone was reached in June 2017. Starbucks must therefore focus on proactively driving its customers to engage digitally. One area is the cashless store, which Starbucks has tentatively explored this year at one location. However, cashless options such as credit and debit cards still don't provide the same level of detail as the company's loyalty and payments app.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Carrefour 2022 : présentation du plan de transformation du groupe

Carrefour 2022 : présentation du plan de transformation du groupe | Nicolas Raffin - Payments & other things | Scoop.it
« CARREFOUR 2022 » : UNE NOUVELLE AMBITION POUR LE GROUPE 

Le Groupe Carrefour présente aujourd’hui son plan de transformation, « Carrefour 2022 », et adapte son modèle et son organisation pour être le leader mondial de la transition alimentaire pour tous. Carrefour s’est fixé une ambition universelle : permettre à ses clients de mieux consommer en devenant le leader mondial de la transition alimentaire pour tous. 
Pour redynamiser sa croissance, le Groupe engage une profonde transformation en lançant le plan « Carrefour 2022 » qui repose sur quatre piliers : 

1) Déployer une organisation simplifiée et ouverte 
Pour tirer le meilleur parti de ses atouts - multi-pays, multi-formats et multi-canal - le Groupe simplifie son organisation et s’ouvre davantage à des partenariats, leviers de croissance et d’innovation : 
 Rationalisation des sièges du Groupe en Île-de-France ; 
 Plan de départ volontaire en France qui portera sur 2 400 personnes ; 
 Développement de nouveaux partenariats à l’instar des récents accords avec Fnac-Darty, Showroomprivé et l’annonce ce jour du partenariat avec Tencent en Chine. 

2) Gagner en productivité et en compétitivité 
Afin d’investir dans la croissance et d’améliorer sa compétitivité-prix, Carrefour renforce sa sélectivité dans l’allocation de ses ressources et sa discipline financière : 
 Enveloppe globale d’investissements de 2 Md€ par an ; 
 Investissements dans la compétitivité commerciale et le développement de la marque propre ; 
 Réduction des coûts de 2 Md€ dès 2020 en année pleine ; 
 Projet de réduction du parc ex-DIA de 273 magasins. 

3) Créer un univers omnicanal de référence 
Le Groupe veut devenir l’univers omnicanal de référence en investissant dans ses formats de conquête, en devenant leader du e-commerce alimentaire et en s’appuyant sur la puissance de sa marque : 
 Ouverture de 2 000 magasins de proximité dans les 5 prochaines années dans les grandes métropoles ; 
 Accélération du format Cash & Carry avec 20 nouveaux Atacadão par an au Brésil, la conversion de 16 hypermarchés en Maxi en Argentine, et l’expansion de Promocash en France dès 2018 ; 
 Investissement massif dans le digital, à hauteur de 2,8 Md€ d’ici 2022 ; 
 Lancement dès 2018 d’une plateforme marchande unique en France, Carrefour.fr ; 
 Objectif de 5 Md€ de chiffre d’affaires dans l’e-commerce alimentaire d’ici 2022. 

4) Refondre l’offre au service de la qualité alimentaire 
Carrefour porte l’ambition d’offrir à tous les consommateurs, tous les jours, une alimentation de qualité, fiable, accessible partout et à un prix raisonnable : 
 Un million de consommateurs supplémentaires de produits frais en France d’ici 2022 ; 
 Une croissance du chiffre d’affaires sur les produits frais traditionnels trois fois plus élevée que celle des PGC d’ici 2022 ; 
 Objectif de 5 Md€ de chiffre d’affaires dans le bio en 2022 ; 



more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Users are compromising most security tech

Users are compromising most security tech | Nicolas Raffin - Payments & other things | Scoop.it

Cybersecurity systems, as sophisticated as they are, are clearly not doing the job. And maybe they never will, given that in the end the effectiveness of those systems can be overridden by workers inside the organization, writes Tal Vegvizer, director of research and development for Bufferzone.


According to Kaspersky, Russian hackers operating just a couple of Darknet marketplaces in 2017 were offering this year an astounding 85,000 servers for sale (meaning, the authentication information that will let a hacker take control of the server), some for as little as $6!

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

RGPD, GDPR: le consentement et la génération de leads (e-mailings, newsletters...)

RGPD, GDPR: le consentement et la génération de leads (e-mailings, newsletters...) | Nicolas Raffin - Payments & other things | Scoop.it

Le Règlement européen sur la protection des données personnelles, voté en 2016 et qui entrera en application en mai 2018 (comprendre: les sanctions pourront tomber), encadre plus strictement le traitement des données au sein des entreprises. Focus sur la question du consentement préalable.


En matière de prospection commerciale, l'e-mailing reste un outil incontournable. Or, l'entrée en application du RGPD d'ici mai 2018 change les règles en la matière. Dans cette infographie, Sarbacane Software, société spécialisée dans les solutions e-mailing, s'intéresse à l'impact d'un aspect précis du RGPD sur la génération de leads: le consentement préalable. 


Fin du consentement "tacite" 

Le Règlement européen précise en effet que "le consentement devrait être donné par un acte positif clair par lequel la personne concernée manifeste de façon libre, spécifique, éclairée et univoque son accord au traitement des données à caractère personnel la concernant, par exemple au moyen d'une déclaration écrite, y compris par voie électronique, ou d'une déclaration orale." (Raison 32 EU RGPD). Et l'article 7 du RGPD détaille les conditions applicables à ce consentement: le consentement doit être donné librement, et peut être retiré à tout moment. D'où une modification des deux tunnels de génération de leads massivement utilisés par les entreprises: la création de compte et l'inscription à la newsletter. 


Fini les pratiques d'opt-out, le double opt-in est désormais la règle! 

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Where fintech dollars will go in 2018

Where fintech dollars will go in 2018 | Nicolas Raffin - Payments & other things | Scoop.it
2018 looks to be a good year for U.S. fintech companies, as banks plan to step up their investments. 

A study released in December found that 82% of U.S. commercial banks plan to increase fintech investment over the next three years; 86% of bank senior managers surveyed said they intend to boost fintech funding imminently. 

The research was commissioned by the global fintech provider Fraedom. The research firm Statista predicts U.S. fintech companies will receive $4.7 billion from all types of investors in 2018. Some of the areas of fintech likely to draw investment are the buzzwords of 2017.
more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Où va l’argent de l’Etat ? Visualisez en un coup d’œil le budget 2018

Où va l’argent de l’Etat ? Visualisez en un coup d’œil le budget 2018 | Nicolas Raffin - Payments & other things | Scoop.it
Si la France avait cent petits carrés à dépenser, elle en consacrerait dix à l’école et six au remboursement de sa dette.
more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

7 GDPR (General Data Protection Regulation) Infographics

7 GDPR (General Data Protection Regulation) Infographics | Nicolas Raffin - Payments & other things | Scoop.it

There has been a lot in the press recently about the EU #GDPR – that is the European Union, General Data Protection Regulation. GDPR was adopted by the EU Parliament in April 2016, and becomes EU law from 25th May, 2018. (Yeah, in 6 months !)

If your company is handling data relating to EU citizens, you need to know what GDPR is, what you need to do to ensure compliance and START NOW. 

The following 7 GDPR infographics will help you get started :

http://www.sepaforcorporates.com/thoughts/7-epic-gdpr-general-data-protection-regulation-infographics/

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

The state of research and innovation in Europe in 7 charts

The state of research and innovation in Europe in 7 charts | Nicolas Raffin - Payments & other things | Scoop.it

How does research and innovation in Europe compare to the rest of the world? 


The Science, Research and Innovation Performance of the EU 2018 (SRIP) Report suggests that while the continent is a leader in science, it is falling behind other regions in how it develops and invests in #innovation. 


These seven charts help us to understand the state of play with science and innovation in Europe

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Mifid II now into force (Jan.3rd) : what is it and how will it affect EU’s financial industry?

Mifid II now into force (Jan.3rd) : what is it and how will it affect EU’s financial industry? | Nicolas Raffin - Payments & other things | Scoop.it

The EU’s ambitious regulatory reforms, known as Mifid II, are poised to transform Europe’s financial industry. Here’s what you need to know. 


What is Mifid II? 

A revamped version of the Markets in Financial Instruments Directive, or Mifid II, is designed to offer greater protection for investors and inject more transparency into all asset classes: from equities to fixed income, exchange traded funds and foreign exchange.

The extensive piece of legislation, seven years in the making, already has more than 1.4m paragraphs of rules, which will grow as regulators complete the final standards in coming months. 


When will it start? 

From January 3, 2018, one of the EU’s most ambitious, yet controversial, packages of financial reforms will be rolled out.


---------------------

Full FT article :

https://www.ft.com/content/ae935520-96ff-11e7-b83c-9588e51488a0


Or this good CNBC one :

https://www.cnbc.com/2017/12/15/mifid-2-all-you-need-to-know.html

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

What the GDPR will concretely change for payment service providers

What the GDPR will concretely change for payment service providers | Nicolas Raffin - Payments & other things | Scoop.it

While the European payment industry is currently trying to assess how the revised Payment Services Directive ( ) will concretely impact each party’s business and operational model, another critical piece of European legislation will apply in May and necessitates immediate actions from payment service providers ( ). The General Data Protection Regulation ( ) significantly revises and harmonises how consumers’ personal data shall be protected in the European Union. When it comes to data privacy, payments might be one of the most sensitive areas for consumers. For the readers, Gert Heynderickx, Legal Counsel and Company Secretary, sheds some light on how the will concretely impact .

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Berlin Group publishes NextGenPSD2 framework

Berlin Group publishes NextGenPSD2 framework | Nicolas Raffin - Payments & other things | Scoop.it
The Berlin Group, a European coalition of banks and payment processors, has published version 1.0 of its framework designed to give Third Party Providers (TTPs) API access to bank accounts in compliance with new regulations on freeing up customer data under PSD2. 

The revised Payment Services Directive introduces new 'payment initiation' and 'account information' services, operated by regulated TPPs and enabled via a dedicated Access to Account (XS2A) Interface between these firms and the banks. 

Last summer, the Berlin Group outlined plans for its NextGenPSD2 Initiative to help overcome the emergence of multiple competing mechanisms in the market by providing a harmonised API standard for accessing bank accounts. 

The Group carries some heft in European markets, with membership comprising bank-backed ACHs and industry bodies across the length and breadth of Europe. Version 1.0 of NextGenPSD2 promises to offer a "modern, open, harmonised and interoperable" set of APIs, says the group, as the safest and most efficient way to provide data securely, reducing XS2A complexity and guarding against multiple competing standards. 

The APIs support the PSD2 required account information, payment issuer instrument and payment initiation services and are built on RESTful, OAuth2 and JSON standards, relying on ISO20022 standards for the data elements to be exchanged. 

The Framework is now available for download, with the documentation of version 1.0 extended with an OpenAPI technical specification in the coming weeks.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

 Treezor (bank-as-a-service) : en 2017, >100000 cartes émises / 200m€ de flux. Pour 2018 : 1Md€ visé et levée de fonds

 Treezor (bank-as-a-service) : en 2017, >100000 cartes émises / 200m€ de flux. Pour 2018 : 1Md€ visé et levée de fonds | Nicolas Raffin - Payments & other things | Scoop.it

Treezor, la plateforme de bank-as-a-service lancée en 2016, revient sur la forte croissance qu’elle a enregistré en 2017. 

Sur le dernier exercice, la société a géré plus de 200 millions d’euros de flux, émis près de 100 000 cartes de paiement et enregistré un chiffre d’affaires de 1,1 millions d’euros. Treezor bénéficie de solides perspectives de développement et vise à ce titre une croissance à 3 chiffres du CA et des flux en 2018. Les flux gérés par la plateforme devraient dépasser 1 milliard d’euros en 2018 selon les projections de la startup. 


Treezor, qui dispose aujourd’hui d’un effectif de 25 personnes, va continuer à renforcer son positionnement sur le marché français tout en développant sa présence commerciale sur le marché européen. 


Treezor est engagé au sein d’un processus de levée de fonds qui devrait intervenir en 2018. Les capitaux permettront la mise en œuvre de projets stratégiques ainsi que l’investissement dans la R&D de la plateforme, et ce, dans l’optique de proposer de nouvelles solutions innovantes adaptées aux besoins des clients.


Treezor, l’accélérateur de Fintech

La solution Treezor qui propose une offre de » Bank-as-a-Service » en marque blanche pour faciliter la gestion des flux et les paiements (carte, virement, prélèvement), compte désormais 22 sociétés dans son portefeuille. Parmi ses clients, l’entreprise compte de nombreuses pépites de la Fintech françaises telles que Lydia, Qonto, Anytime, Shine et Lunchr. 


La plateforme Treezor, qui fonctionne intégralement et nativement en API, est conçue pour accompagner les entreprises dans la réalisation de projets de paiements complexes. Treezor est déjà positionnée sur de nombreux projets disruptifs pour 2018 : néobanques, plateformes collaboratives, financement participatif, …

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

L'épargne à l'arrondi, une solution qui gagne du terrain

L'épargne à l'arrondi, une solution qui gagne du terrain | Nicolas Raffin - Payments & other things | Scoop.it

Encore assez peu connue en France, l'épargne à l'arrondi promet de faire bien des émules dans les mois et années à venir, à l'image du modèle anglo-américain où le système rencontre un véritable succès. LCL, Monabanq, BirdyCent ou encocre Yeeld sont sur les rangs.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Comment Monoprix s'appuie sur le digital pour lever les trois contraintes du retail alimentaire... et contrer Amazon

Comment Monoprix s'appuie sur le digital pour lever les trois contraintes du retail alimentaire... et contrer Amazon | Nicolas Raffin - Payments & other things | Scoop.it

Déploiement de Monop’Easy, rapprochement avec Ocado, prise de participation dans Epicery… Depuis quelques mois, Monoprix multiplie les annonces. Rencontré à l’occasion du NRF 2018, Régis Schultz, président de Monoprix, expose la stratégie digitale de l’enseigne. Et revient sur ce qui distingue le retail alimentaire d'Amazon. 

Avec deux objectifs : "Maximiser le plaisir du client et minimiser les contraintes". En ligne comme en magasin. 

 Pour cela, Monoprix s'attaque à trois irritants majeurs : 

- la liste de courses, 

- le passage en caisse 

- la disponibilité produits.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

ITSO brings in 2018 with mobile ticketing with Idemia and Unicard

ITSO brings in 2018 with mobile ticketing with Idemia and Unicard | Nicolas Raffin - Payments & other things | Scoop.it

ITSO Ltd, along with Idemia and Unicard are marking the New Year by delivering on its 2018 resolution to bring the national smartcard to the mobile phone. As smartphones become our wallet, ITSO on Mobile promises to make ticketing better and smarter for the travelling public. 

 ITSO offers the only completely nationwide, inter-operable smart ticketing solution for public transport and has for many years worked to deliver ITSO smartcard services to an ever-wider population of passengers. ITSO is already in place throughout much of the UK accounting for over 2 billion journeys per year.

To deliver this advancement in ticketing technology, ITSO is working along with IDEMIA, the global leader in Augmented Identity for an increasingly digital world, and Unicard, a long-established solution provider to the transport industry, to build and manage the ITSO Transit Hub; a fundamental part of the solution that manages the ticket fulfilment, provisioning and reporting service.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

12 payments and fintech trends for 2018

12 payments and fintech trends for 2018 | Nicolas Raffin - Payments & other things | Scoop.it


With so much uncertainty, the only thing that's clear is how different the sector may look a year from now.

Here's an overview of the leading trends in technology that will impact payments and banking in 2018

- faster payments will find their niche

- in car payments get up to speed

- gas stations invest in payment & security

- AI and data analytics

- app experimentation

- cybersecurity

- the evolution of chatbots

- commercial banking innovations

- the Amazon threat

- data sharing

- fintech investment

- the mainstream of cryptocurrency ?

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

10 case studies of facial recognition technology being used in China today

10 case studies of facial recognition technology being used in China today | Nicolas Raffin - Payments & other things | Scoop.it

Just a few days ago one of the first test integrations of WeChat facial recognition was announced (full details + screenshots below). This technology is starting to gain rapid adoption in China with examples popping up everywhere. Generally, China is still behind the US in AI but in face recognition, it’s now recognized as leading the world.

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

Going at it alone: Should banks consider their own payments apps?

Going at it alone: Should banks consider their own payments apps? | Nicolas Raffin - Payments & other things | Scoop.it

By now, it should be obvious to every bank that no company can afford to neglect mobile payments. However, there remains debate about how best to go about implementing mobile payment solutions to meet growing consumer demand. 


For many banks, the first and most crucial choice is whether to go it alone by creating their own mobile wallet app, or take advantage of existing ecosystems like Apple Pay or Android Pay. Several banks have opted for the bespoke approach, such as Chase's Chase Pay and Citibank's Citi Pay – but is that always the best choice? 


Let’s investigate.

- The pros and cons of building a standalone app

- Making mobile as frictionless as possible


Read here : https://www.mobilepaymentstoday.com/articles/going-at-it-alone-should-banks-consider-their-own-payments-apps/?utm_source=Email_marketing&utm_campaign=emnaMPT12272017&cmp=1&utm_medium=html_email

more...
No comment yet.
Scooped by Nicolas Raffin
Scoop.it!

How Apple can use Shazam's tech to transform payments

How Apple can use Shazam's tech to transform payments | Nicolas Raffin - Payments & other things | Scoop.it
Apple’s acquisition of Shazam demonstrates the potential for Shazam’s technology to do so much more than identify pop songs playing over a store's speakers.
more...
No comment yet.