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Payments & FinTech Lawyer

Volume: 4 Issue: 9
(September 2010)


Industry experts have given a mixed response to plans by a consortium of Dutch banks and mobile phone operators to establish a nationwide mobile payments system by 2012. / read more

Representatives of the EU Parliament and Council agreed upon a draft updated version of the Late Payments Directive 2000 ('the Draft') on 14 September, putting an end to the legal uncertainty surrounding payment deadlines and late payments by public authorities. / read more

Two million prepaid cards will be given to victims of the August 2010 floods in Pakistan in the next few weeks, to help with the purchase of essential items. / read more


Namibia / read more

On 9 September 2010, the Financial Services Authority (FSA) published draft minutes of a meeting of its e-money stakeholder liaison group1 which sets out details of the timetable for the UK implementation of the new E-Money Directive2 ('the EMD'). It is anticipated that the HM Treasury consultation will be published in September followed by the FSA's own consultation in October - implementing regulations are expected in December 2010. The stakeholder liaison group identified a number of issues relating to the implementation of the new EMD which merit consideration by interested parties. / read more

The mobile commerce industry has grown rapidly and consumers increasingly prefer to buy using their mobile phone or over the internet. Dan Schutzer, Executive Director at the Financial Services Technology Consortium, discusses the latest trends in the United States and takes a look at a number of scenarios for the future. / read more

Huge technological developments in recent years have influenced the way we make payments and transactions. It is impossible to ignore the major developments that have occurred over the last few years that have changed the way we live. Technology, and our relationship with it, has transformed the way we talk, write, read, listen, work, communicate, travel and, perhaps most significantly, pay. / read more

The introduction of the Single Euro Payments Area (SEPA) has made fundamental changes to the European payments landscape. The initiative, however, has not turned out to be as successful as expected. Jonathan Williams, Director of Strategic Development at Experian Payments, discusses how corporations can ensure that their payments function is SEPA-compliant without disruption or excessive effort. / read more

Online banking has given the payments industry a major boost, and is making daily life easier and more efficient for consumers and merchants. It is also, however, contributing to serious security threats. David Divitt, Fraud and Risk Solutions Consultant at ACI Worldwide, discusses the scale of fraud online and how the industry can and is responding. / read more

The use of mobile phones and mobile payments is rapidly on the rise, especially in developing countries. But traditionally important markets, like the United States, have been reluctant to embrace mobile payments because of security concerns. Nick Ogden, CEO of Voice Commerce, discusses the risks and explains why voice biometric technology should be given a chance. / read more

Online banking websites and their users are popular targets for cybercriminals. Online fraud is increasingly becoming a problem for online financial institutions and their customers. Mark Johnson, Executive Chairman of The Risk Management Group (TRMG), analyses the latest developments within the e-finance industry, and discusses how companies can minimise the risks. / 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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