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Payments & FinTech Lawyer

Volume: 4 Issue: 6
(June 2010)


Visa has announced it will block all international transactions originating from cards issued by China UnionPay (CUP) - China's only authorised card payment processing network. / read more

Jersey is considering applying to join the Single Euro Payments Area (SEPA). The Jersey Financial Services Commission (FSC) issued on 24 May a consultation paper on the legal aspects of joining SEPA after Chief Minister Le Sueur said "Jersey is likely to be placed at a competitive disadvantage if it does not join SEPA". / read more

The EU Commission adopted on 15 June a new version of the 'SWIFT' data sharing agreement following negotiations between the EU and the US Department of Treasury under the US Terrorist Finance Tracking Programme. / read more


Mobile payments continue to be the elusive holy grail of the payments industry. Now, a second wave of interest is occurring in mobile payments with some similar characteristics to the first - but unsuccessful - wave of interest ten years ago. / read more

Brazil's payment industry is constantly introducing new products and services, and, with over 170 million mobile phones, the development of the country's mobile payments industry is slowly taking off. Rodrigo d'Avila Mariano, Partner at Almeida Alvarenga e Advogados Associados, discusses the potential of the m-payments market and examines some recent trends in South America's biggest market. / read more

A series of recent events have led to changes in Canada's payment systems as the country is introducing measures to empower consumers and merchants. To this end, a code of conduct for payment network operators - as well as primary legislation and regulation - have been implemented to increase transparency in that sector. Stephen J. Redican,Rebecca C. W. Chan and Tiffany Murray, of Borden Ladner Gervais LLP, discuss some of the recent developments in Canada's payment systems. / read more

The potential of mobile banking, for the realisation of 'anywhere, at any time' transactions, is well documented. However, interest is starting to develop regarding a more consumer-orientated vision of what mobile banking and payments can offer. Jaqueline Chilton, of Glenbrook Partners, examines in what ways mobile banking can develop to increase the value for customers. / read more

Mobile financial services are on the rise on the African continent as technology is actively improving the lives of people in emerging economies. Pascal Oromo, Vice-President Mobile Financial Services at Gemalto, examines the rise of mobile banking in the the developing world. / read more

Ireland relies on cash and cheques more than any other EU Member State. The country is slowly moving towards a landscape comprising of more electronic and card-based payments. Russel Burke, Head of Payments Strategy at the Irish Payment Services Organisation, discusses why a national payment plan in Ireland can ensure a shift towards a modern payments sector and improve the country's competitiveness. / read more

The world of international remittances has changed rapidly in the last five years. Leon Isaacs, Managing Director of the International Association of Money Transfer Networks, explains why this trend will continue and what the influence of mobile and online payments will be. / read more

In the world of Islamic finance, ethical standards, robustness and reputation management are governance priorities. Global markets absorbed some high profile failures on Sukuk payouts (Islamic bonds) as 'just another default' - those failures did not hurt the image of Sukuk in general. The spectacular downfall of Gulf Finance House or the problems at Tamweel hardly triggered any specific attacks on the sphere of Islamic finance - concerns were mostly raised internally in a sector that cares deeply about keeping a clean track record. / read more

About Payments & FinTech Lawyer

The monthly publication covering legal, regulatory and policy developments relating to the fast-moving payments and FinTech sectors. Key topics include mobile payments, e-money, prepaid and other payment cards, online banking, digital currencies such as Bitcoin, card fraud and other cyber crime, RegTech, robo-advice, P2P lending, and crowdfunding, as well as regulatory regimes such as the Second Payment Services Directive (PSD2), the Payment Accounts Directive, and the Fourth Anti-Money Laundering Directive / read more

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