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The Economic Context The president of Confindustria Carlo Bonomi - interviewed by Il Sole24Ore on 19 January - expressed his opinion in relation to the GDP growth, stating that the first half of 2023 will be difficult while growth in the second half should be robust....
Servitization data sharing: benefits of a service model with industrial machinery data sharing A manufacturing company typically buys a machine to produce goods. This involves an initial outlay of cash, either its own money or from a credit line. The manufacturing...
The Paypers has launched the Financial Crime and Fraud Report 2021, a picture of what is currently happening in fraud management, digital onboarding, and financial crime in financial services. The best Digital Onboarding practices in business Onboarding. Cleveradvice...
The economic crisis caused by the three-month lockdown – aimed at curbing the Covid-19 pandemic – is impacting industries in different ways.
 One of the sectors that is suffering the most is the catering industry and more generally the Ho.Re.Ca....
PSD2: The path towards full implementation of the SCA. The new Payments features in the Covid-19 emergency Marco Fava will speak at the  “PSD2: the path towards the full implementation of the SCA″ webinar organized by the Italian banking Association on 8 July 2020 on...
User eXperience in Banking The banking sector is facing a phase of decline. The top management of many traditional banks are well aware of this, but many do not have an effective strategy forward. For several years now, the customer experience has been in a state of...
Design Thinking is a methodology for solving problems in an agile way. It is increasingly used in business transformation and to support innovation projects. It is inspired by a customer-centric approach through a mix of observation and empathy. The integration of a...
Meal vouchers: what's new under the new 2020 rules? As of 1 January 2020 new rules on the use of meal vouchers will apply in Italy. Art. 1 of paragraph 677 of the Budget Law approved in Parliament on 23 December 2019 provides for two changes compared to the previous...
PSD2 regulates data sharing and account access The revised payment services directive (EU) 2015/2366, known as PSD2 introduces new rules on data sharing aimed at creating an Open Banking ecosystem. In particular, it requires payment services providers to provide third...
No sanctions for merchants without POS Does an Italian retailer without a POS terminal to accept payment cards risk a penalty? There will be no sanctions for merchants without a POS, as Alessio Villarosa – executive with the Italian Ministry of Economy and Finance -...
Maximize conversion at checkout through a user-friendly SCA User Experience As digital channels are increasingly pervasive in everyone’s lives electronic payments are becoming a basic necessity, as such their security is paramount. To improve security of payment...
Strong Customer Authentication is now live across the EU. All transactions within the EU of value exceeding € 30 need to be authorized via SCA as of 14th September 2019, unless an allowed exemption applies. PSP have more time to implement SCA However, on 21st June...
New EBA opinion requires implementation of SCA by 31 December 2020 On 16 October 2019, the European Banking Authority (EBA) published an opinion on the deadline for migrating to strong customer authentication (SCA) to online card payments authentications. The...
Much has been written about the implications of PSD2, but we believe that some communication is not consistent with reality. One is that it is widely believed that PSD2 does not stimulate consumers to be loyal to their banks. Digital transformation The digital...
Issuers are introducing more user-friendly SCA processes On 14 sept 2019 SCA became the new authentication standard across the EU due to PSD2 coming into effect. Although National Competent Authorities of all EU member states granted a transition period – with the...
As the digital economy plays an increasingly important role in our lives, many financial services players have taken advantage of digital channels for client onboarding. Most of the digital onboarding processes, however, are only aimed at consumer customers,...
What is the current situation and what are the future forecasts for corporate cards in Europe? 16 May 2019, The Paypers published its annual report "B2B Payments and Fintech Guide 2019 - Innovations in the Way Businesses Transact" focuses on B2B payments and...
On 12 September 2018, e-GAP, the innovative on-demand mobility charging service for electric vehicles and cars, was launched. Eugenio de Blasio, president of e-GAP, introduced this service in the impressive Unicredit Pavillion in Piazza Gae Aulenti in Milan. e-GAP...