Industry Comment

Better late than never: businesses should still sharpen up for SEPA

While many large organisations have already planned and delivered their SEPA compliance, smaller and mid-sized firms have woefully underprepared for the deadline. Banks and payment organisations need to be prepared for a certain amount of confusion and resistance from UK customers who may not understand the reasons for the change, and may be reluctant to put the necessary changes into effect.

Capital markets on a firmer footing for 2014

Following the tumultuous change that came in the wake of the subprime crisis, capital markets firms have yet to regain a strong foothold but 2014 is showing increasing evidence of a shift to a higher gear.

Industry Views: Trends and Resolutions for 2014 (Part 1 of 2)

To kick off 2014, we asked payments industry thought leaders in the U.S. and Europe to reflect on the year that turned out not to be the “Year of NFC” and to look ahead at what will dominate prepaid and emerging payments for the next 12 months. We also asked them what the industry’s New Year’s resolutions should be.

Editor’s Letter: Starting Off the New Year Right

Now that you’re back in the office and once again glued to your computer screen, you’ll continue receiving the industry news, insights and analysis you’ve come to expect from Paybefore. But it won’t exactly be business as usual for Paybefore this year.

Life after SEPA

The impact of the Single Euro Payments Area will result in a new marketplace where bigger banks will be forced into stronger competition and smaller banks forced to cultivate their ‘local bank’ credentials.

The gift of plug and play technology

The technology that banks offer clients can be thought of as a true gift, enabling improvements that can reduce risk, increase efficiency and ultimately put firms on a surer footing. And it is the most advanced and newest platforms which grab everyone’s attention.

The hidden cost of corporate compliance

Former SunGard chief executive Cris Conde writes about the importance of training in firms’ governance, risk management and compliance strategies and why they should treat it as an investment.

A brave new world for CIOs?

A new role for CIOs in the banking sector was highlighted at the recent Gartner Symposium: to maintain their future relevance and position, they need to be seen as consultants in the technology space, not just providers.

Blog: Grande 140-Character Payments

If ever there was a prize for solving a first world problem, creating the ability to buy a coffee for a friend or acquaintance by sending a tweet would be Nobel- worthy. But if the goal is to keep Starbucks in the conversation around the office (and sell more coffee), this should work.

Blog: Thinking Mobile First

Consumer expectations of mobile banking and prepaid are escalating rapidly, and the industry needs to respond aggressively, and think differently. As consumers demand more from their financial services providers, putting the mobile channel first in your strategy is key.

Banks! Stop fadding about – talk to customers

Is there an industry more obsessed with fads than banking?. Maybe it’s because it is such a follow-the-leader industry. Perhaps it’s because banking is a very me-too business with few (if any) real brand distinctions. Or is it simply that senior management is so obsessed with the needs of shareholders.

Insights on the Bitcoin Brouhaha

On Nov. 27, the bitcoin was trading at a record $1,000. While some applaud its decentralized nature, others, including regulators, have become wary of its potential effects. We asked two analysts to square off with Viewpoints on the pros and cons of the volatile virtual currency.

Viewpoint: Why Bitcoin Is Going Gangbusters and Why It Matters

If Bitcoin manages to become wildly successful, it’s likely that several similar currencies will appear alongside it. The focus of hackers all across the globe will then surely turn to these anonymous stores of virtual value rather than to traditional account-based payments.

Breaking dawn: the new reality for the buy-side

Enlightened buy-side firms are facing the challenges of high-touch regulation, fragmented liquidity and ongoing cost pressures head on and developing new business models and approaches at every stage of their workflow.

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