keep up-to-date, link to the Payments Cards and Mobile RSS news feed
Payments Cards and Mobile BACK ISSUES
Insight is everything!
Use Payments Cards and Mobile Back Issues as a resource in your work - inform yourself on recent developments in the industry, tap into our industry-wide coverage of the card business and card technology, or just satisfy your curiosity.
Back issues are priced at £25 individually, £40 for two, multiple copies of three or more at £15 each.
Available to download now in PDF format, browse the latest 6 issues below or use our 'by year' Back Issue indicies.
Back Issue Archive 2009
November/December 2009
COVER STORY - The changing face of payments
Payments are a contradictory phenomenon. What have we learned in the 15 years PCM (formerly known as European Card Review) has been published and how can the industry progress now? Primarily by addressing the skewing effect of ‘free’ cash and by introducing faster payments everywhere.
CARD MARKETS
Canada rocks with contactless
■ New Zealand regulator accused over interchange settlement.
Postbank enters DIY, kicks northern trend
■ GAO investigation stokes interchange row.
UK fraud: battle continues
For the first time in years, the UK banking industry has reported a drop in payment card fraud, but new trends are emerging.
US transactions to exceed 100 billion in 2009
■ The US under pressure on EMV adoption, as Smart Card Alliance proposes encryption at the POS to improve magstripe card security.
Visa extends money transfer business
■ There are fears that a credit card scam in Spain could have compromised the data of thousands of cardholders.
SEPA: Losing the war on cash
■ Voice Commerce wins Payment Institution accreditation.
Global remittances dip in 2009
■ Crédit Agricole and Equens sign exclusive agreement to explore the possibility of forming a single entity.
September/October 2009
COVER STORY - What’s happening with m-banking?
M-banking for developed markets has been hyped since 2006, but progress has been slow and a number of key issues have yet to be addressed. In particular, what the banks want to achieve by offering it, a viable business model, fragmentation and a lack of compelling, mass market applications are proving tough nuts to crack.
CARD MARKETS
Big opportunity for acquirers among UK SME merchants
One in five small to medium UK merchants is looking to change its acquirer in the next six months. ■ Timing is everything – Elavon and Santander seem to be spot-on.
New frontiers for payment cards
Russia and the CIS looks poised to enter a phase of much more rapid growth in cards and retail financial services.
Young, affluent Chinese give out mixed messages on credit cards
A study was carried out at two Chinese universities this year with postgraduate (affluent) students on attitudes towards using credit cards.
Italians post leadership in prepaid
In one segment of the card market, Italy has emerged as the clear leader.
Danes and Norwegians get together
Plans to rationalise Nordic processing are back on track after a two-year diversion.
Fast forward - payments in 2018
In a difficult year economically, UK debit cards barely missed a beat.
SEPA still sais pas in Paris
“Seven years after the start of the SEPA project, we are not yet there – and with cards even less than other transactions.”
July/August 2009
COVER STORY - Where have all the processors gone?
At first sight, it looks as though Europe has simply followed the US in seeing a massive consolidation of processors in the last few years and the apparently unstoppable rise of third party providers. Does this bear closer scrutiny and will it be replicated elsewhere in the world? What effect is the recession having on processing?
CARD MARKETS (formerly Card Notes)
Celtic Tiger gives up on credit cards
During Q4 2008, spending on Irish credit cards fell by an unprecedented 10% compared with the same quarter of 2007. The slide continued into 2009. ■ French figures show a rise in fraud in 2008.
Russia becomes Europe’s biggest ATM market
ATM market in Central and Eastern Europe showed exceptionally strong growth again in 2008. ■ EBA Clearing banks set up SEPA Direct Debit implementation forum.
Asian card network operators accelerate overseas expansion
China UnionPay and South Korea’s BC Bank Co are building an overseas presence, while India’s ICICI Bank crosses the Pacific too.
Multinational merchants pay more for overseas acquiring
Acquirers have the prospect of higher margins in a segment with crushingly low margins, but for a limited time only. ■ UK revives annual credit card fees as egg follows M&S Money’s lead.
May/June 2009
COVER STORY - M-payment models: starting to look good
There are wildly varying opinions about whether operator-led schemes, those led by financial institutions or third party solutions – that don’t rely on any particular mobile channel – will be the most successful. There looks to be a place for them all at different times and in different places.
CARD MARKETS (formerly Card Notes)
European co-branding markets still fragmented
Although pan-European acquiring has been commonplace for a number of years, pan-European issuing remains difficult to achieve, despite efforts by the European Commission and the international card companies to set up the appropriate regulatory and legal framework.
MasterCard reaches temporary truce, Visa served anti-trust charge
MasterCard has agreed to disagree over interchange levels with the Commission pending its appeal, Visa accused of restricting competition between banks.
BNP Parisbas deal reflects
the changing face of European consumer finance Fortis’ ambition is one of the hardest hit victims of the crunch.
Domestic debit vs scheme debit
Australia and Canada face real and potential competition from scheme debit cards.
March/April 2009
COVER STORY - A tale of two cities
Hong Kong’s Octopus started out as a transport payment mechanism, but has extended its tentacles into many other types of transactions and applications, while London’s travel card, Oyster, wants to close altogether.
CARD MARKETS (formerly Card Notes)
BCG predict major growth in the US and Asia
Ninth annual global payments reports finds bank payment franchises still profitable. ■ Alliance & Leicester pulls out of pre-paid cards.
What Tim did next
Tim Jones is heading up the UK government’s Personal Accounts Delivery Authority, (PADA), which will administer the state pension scheme from 2012. ■ Still no consensus on interchange.
UK credit card issuers survive a difficult year
Available numbers suggest they kept arrears and credit losses under control.
German card growth continues, despite ECB figures
Stats just released by PaySys show far healthier progress than ECB figures would have us believe.
Noca dramatically reduces merchants fees
Former Visa exec stirs up market with 0.25% only charge to online merchants.
January/February 2009
CARD MARKETS
Commission confirms anti-cartel smart card chip inspections
Are US mortgage defaults affecting credit card payments?
ECB calls for urgent SEPA action, debit clarification
Discover, Morgan Stanley legal battle rumbles on
British love of cash persists
MOBILE PAYMENTS
GSMA calls for Pay-Buy-Mobile handsets
M-PESA expands, local banks object
Beem brings mobile money transfer to the UK
NatWest launches international money transfer for Polish customers first
FEATURES
cover story
The financial services sector and the mobile industry each have something to bring to the mobile money transfer (MMT) party in developing economies. But while regulation – particularly its interpretation – and rivalry between the two key players hinders progress, the massive market for MMT is stymied – and everyone loses. ■
new payment channels
Retail card payment systems have been stable for so long that we barely think about their functions; multiple new channels demand a different approach and single view. ■
NEWS IN BRIEF • E-COMMERCE • POS TERMINALS • CONTACTLESS • PRODUCTS • CONTRACTS
Payment Card Yearbooks have published their latest editions - European Payment Cards Yearbook 2009-10, containing 33 individual country profiles and Russia and CIS Payment Cards Yearbook 2010-11, containing 10 individual country profiles.
