digital circuits


July 28, 2021

Progressive Platform Modernization — Eight Steps to Success

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July 27, 2021

The European Commission’s Proposal for a New Consumer Credit Directive: Will This Create a Harmonized European Consumer Credit Market?

Sunset scene of cityscape with blue sky and clouds.


July 26, 2021

What’s Next for Real-Time and Digital Payment Experiences?

Young woman sitting on the sofa in the living room, managing online banking with mobile app on smartphone. Transferring money, paying bills, checking balance.


July 23, 2021

Top Three Considerations for the Acceleration of the Digital Economy in LATAM

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July 22, 2021

A Aceleração da Economia Digital: Riscos, Desafios e Como Superá-los

Em nosso recente webinar da série Making Payments, especialistas da Mastercard, Microsoft e ADIQ compartilharam seus insights sobre como foram capazes de superar os desafios de inovação mais urgentes no Brasil e como outras organizações podem se preparar para o futuro dos pagamentos digitais.

Long exposure of a freeway at night


July 22, 2021

Acceleration of the Digital Economy in Brazil: Risks, Challenges and Solutions

In our recent Making Payments webinar, experts from Mastercard, Microsoft and ADIQ shared their insights on how they were able to overcome the most pressing innovation challenges within Brazil, and how other organizations can prepare for the future of digital payments.

Sydney Skyline at Night


June 7, 2021

Global Versus Local: How Pacific Acquirers Can Compete with Global Giants

Acquirers throughout Australia and New Zealand are facing margin pressures and new entrants into the market. Global acquirers have now set their sights on the Pacific, making it an imperative for acquirers within the region to transform or risk getting left behind.


September 9, 2020

How Southeast Asia’s Banks Can Remain Competitive and Profitable in a Real-Time World

Cross-border payments across Southeast Asia are shifting as market dynamics, increased competition and increasingly demanding customers drive rapid change. As payment systems are modernized and the market evolves, banks and governments must stay on top of these trends.


September 2, 2020

The Benefits of Open Banking for LATAM

Thanks to customer demand and regulations on how customer data can be gathered and used, open banking has seen rapid growth throughout the world. The EU and U.K. have been leading forces in the implementation of open banking, while countries such as Canada, New Zealand, Hong Kong and Japan have been quick adopters.


April 9, 2020

Global Fraud Landscape Evolving Quicker Than Ever – What Banks Need to Know

In the fraud prevention and cybercrime world, we often talk about fraudsters as the ultimate opportunists – looking for any weakness in a system that can be exploited. In recent years, as technological systems have advanced, fraudsters have increasingly turned to ”social engineering” to achieve their goals. Basically, hacking the person rather than hacking the system, as humans become the weakest link in the chain.

Prime Time for Real-Time

Global Payment Trends
As the world adopts real-time payments, how does your market stand to benefit?


October 21, 2019

From API to AI to I: Banking Tech Gets Personal

Tired feet. Running out of business cards. Countless LinkedIn connections – sound familiar? This time of the year is conference season; the annual SIBOS (SWIFT) and Money20/20 USA gatherings spanning the autumn give attendees plenty of hot topics and talking points. My American colleagues refer to this season as “the fall.” I trust this to be an observation on leaves and fruit rather than a sequitur on the state of the fintech industry. Either way, it’s a good time to harvest, to take stock and to work out what we should be doing with the apparent abundance of innovative produce.


August 12, 2019

Customer Innovation: Erste Bank [Q&A]

The global banking sector is becoming both more strategically focused and technologically advanced, responding to rising consumer expectations while trying to defend market share against an increasing array of competitors. A great deal of emphasis is being placed on digitizing core business processes, and reassessing organizational structures and internal talent to be better prepared for the future of banking.


July 15, 2019

European Banks Have the Right Tools to Stay Ahead – But Will Big Tech Overtake?

Open banking and immediate payments have come a long way, according to the panelists who joined me during the ‘Open Banking in an Instant World’ session at EBAday in Stockholm recently. The building blocks are now falling into place through the introduction of national and regional schemes, open banking initiatives, regulations such as PSD2 and the acceptance and use of APIs.


July 9, 2019

How Banks and Acquirers Can Deliver on the Benefits of PSD2 SCA Exemptions and Differentiate Their Merchant Services

PSD2 is an opportunity for acquirers to differentiate themselves by delivering improved services to their merchants, if they implement modern solutions to manage SCA exemptions. This will drive the best customer experience in combination with regulatory compliance.


June 6, 2019

How Italian Banks and Processors Can Capitalize on Digital Transformation

The European payments landscape is in an era of significant change thanks to PSD2 and other macro factors, but there is more than one way to deliver real-time and open payments to meet PSD2 requirements and its technical standards. Banks and processors must manage this alongside their own set of domestic challenges and opportunities.


April 23, 2019

Building Trust in Open Banking with Behavioral Biometrics and Machine Learning

Strategies for fraud prevention in payments are having to evolve quickly, as new technologies emerge and digitalization of the banking ecosystem continues at pace. I spoke with Giselle Lindley, Principal Financial Crime Consultant at ACI Worldwide and Tim Dalgleish, Head of Threat Analytics, Asia Pacific at BioCatch to understand how financial institutions can use payments intelligence to build trust in this challenging environment.