The creation of EPI and the need for a consistent pan-European payment experience

BNP Paribas's Carlo Bovero: "We see the EPI as an important step forward for banks, but also for European clients and merchants." 
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A few takeaways from Sibos 2020

Sibos 2020 has come to an end. It was a remarkable edition; the current situation has left its mark on the financial world but also brought new insights. We have listed a number of takeaways of the event.
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A debate on the development of cross-border payments: searching for a pragmatic and collaborative approach

What is the best approach for financial institutions to make progress? 
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How COVID-19 challenges financial institutions to become digital masters

What challenges does COVID-19 bring for the payment industry? According to the Capgemini World Payments Report 2020, financial institutions are being pushed rapidly into transformation.
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Instant Payments in the US: ‘A design that can adjust when change is needed’

This blog explains the plans of the Federal Reserve Banks and the FedNow Service for an instant system in the US.
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How do you become customer-centric?

Creating a positive customer experience is key in the financial world to be competitive in the future. In this Sibos Spotlight session, three experts answer the question: how to better understand your customers?
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‘Banks can help organize ecosystems’


At the start of Sibos 2020 McKinsey released their Global Payments Report 2020, in which it became clear that COVID-19 is having a significant impact on global payments.
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Messaging and connectivity platforms: challenges and driving forces

Every day, financial institutions and businesses depend on the secure, reliable and rapid exchange of millions of financial messages over SWIFT and other networks. 
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‘The whole world will be instant in a while, and so will payments’

Michael Steinbach gives his vision on Instant Payments, the digital development of the banking sector and the global battle for payment solutions between the US, China and Europe. 
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How Instant Payments influences consumers' payment behavior on Aruba

In this blog, Rayenne Donata, Manager Payment Systems Department of the CBA, explains about the implementation of instant payments in Aruba.
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‘A single European Data Market is clearly the way forward’

Michael Salmony gives some insights on what may happen in the next few years, what impact these changes may have on the finance and wider data economy and explores some of the prerequisites that must be put in place.
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DIGITAL PLATFORMS ARE THE NEW HIGH STREETS

In this blog, McLaughlin, responsible for Emerging Payments & Business development at Citi, looks at where traditional financial institutions stand regarding Open Banking and PSD2 and what the next steps should be. 
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ECB warns against growing influence of non-European big techs on financial system

ECB warns: “Big tech companies have the potential to quickly gain a significant market share. Risks have to be captured and addressed in the regulatory framework.
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SCA IS NOT THE END OF TIMES, BUT A NECESSITY


In this blog Gijs Boudewijn, Deputy General Manager of the Dutch Payments Association explains why implementation of SCA is a necessity for extra consumer safety.
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Sibos 2020 theme: Driving the evolution of smart finance

Sibos’ theme in 2020 is ‘driving the evolution of smart finance’. This year’s programme includes high-quality sessions exploring how the financial industry can make better decisions and run smarter businesses, while optimising technology and data. The sessions are focused on the core theme and four interconnected daily sub-themes – 1) delivering digital value, 2) responsible innovation, 3) the future of finance, and 4) banking for humanity

Being a leading provider of payments and transactional services across Europe and beyond, we recognise the importance of these themes as they also play a leading role in the way we support our clients and their customers in the dynamic world of payments. By anticipating future developments we help them to adapt to emerging trends in the industry, adopt new technologies, handle challenges regarding increasing customer requirements and make the most of opportunities that are lying ahead.


This Sibos 2020 ‘Delivering digital value‘ stream will address the opportunities and risks from the payments sector – where innovation is making real-time transactions flexible, frictionless, predictable, transparent and secure. In this respect, we – as a frontrunner and now the largest processor of Instant Payments in Europe – see a lot of developments that will impact the payments business.

Take for instance ‘Request to Pay’ (RtP), which is gaining momentum thanks to open banking and PSD2. Unlike direct debits, RtPs are real-time and also suitable for one-off payments, making them a safe, fast, highly efficient and convenient alternative for the current solutions. The RtP service consists of a messaging section and a payment section. Even though there is no standard for messages via the bank’s infrastructure yet, equensWorldline can already facilitate the messaging service thanks to a strategic partnership. In our view, as developments move forward, RtP solutions could be one of the payment solutions in the Open Banking era to compete with existing payments.
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During Sibos 2020, this ‘Responsible innovation‘ stream will explore how the industry can maintain a balanced approach to innovation that allows fresh ideas to flourish, while protecting against downside risks.

The world of banking is unrecognisable from a decade ago, and this market disruption and transformation are likely to accelerate. Banks have a wealth of opportunity on the horizon, but an equal volume of challenges to get there. Legacy systems have no long-term viability – they cannot deliver the experience that customers expect, since they present a high cost and time to innovate.

Digital platforms will enable banks to move up the value chain and offer customer experiences that are more than just transactional. This will become increasingly critical as the banking landscape continues to evolve – banks will need agility and the ability to customise, adapt and extend their reach in response to market change and customer demand. Open Banking, instant payments, increasing disintermediation and emerging technologies will continue to push the boundaries of banking and the big challenge for incumbents will be how to innovate and adapt to remain relevant. We are geared to support our clients in this transformation while ensuring compliance and security.

Bridging human and digital experiences in finance

The traditional role of banking is disappearing, as consumer lifestyles, new technologies and new forms of competition continue to influence the sector. There is still work to do to improve digital experiences and reduce the gap between the rapid evolution of consumption habits and the slower evolution of banking. We are geared to support our clients in this transformation.
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The importance of trusted interactions

Meeting customer expectations in digital services is a major challenge for financial institutions today. In a time of exponential growth of messaging, customers continue to expect a personalized and fast response for each request. Customer engagement and trust are key. How can these customer expectations be met by institutions despite the decreasing availability of resources?
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Check out these recent blogs

We recently published a series of interesting blogs that provide insight in digital banking dilemma’s. The 1st blog is about  improving the customers’ banking experience. The 2nd blog demonstrates how artificial intelligence helps to close the gap between traditional banking and fintech companies . And the 3rd blog explains how financial institutions can navigate between automatisation and trust.
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The Sibos 2020 ‘The future of finance’ stream will examine the industry’s role in wider society, addressing global issues such as inequality, pandemics and climate change, which are driving the future of the industry. Is today’s financial industry fit for purpose? Will more agile and technologically fluid challengers overtake traditional banking systems and market infrastructures?

Take for instance the COVID-19 pandemic, which had – and still has – a huge social and economic impact. Besides the immediate impact, like a shift towards more contactless payments, we also see shifts in for instance social values and changes to supply chains, which are emerging more slowly.

The world after COVID-19

Within the Worldline Group we are currently working with our clients to understand the lasting impacts of the crisis for their businesses and help find new and valuable ways of harnessing the full power of all of today’s most promising technologies, to ensure success in the current and post-COVID era. This whitepaper explains how these trends will unfold in the coming years, in order to help business leaders start planning for their future today.
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A better ecosystem for payments

EDPIA, the European Digital Payments Industry Alliance, aims to help create a better payments ecosystem, to increase international competitiveness over the long term and to support the EU’s objective to create a Digital Single Market, fuelled by digital payments. As an EDPIA member, Worldline is particularly committed to managing the changes in digital payments accelerated by COVID-19. 
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The fourth and last Sibos 2020 stream, ‘Banking for humanity’, will examine the role of the finance industry in supporting clients’ transition to a low-carbon and sustainable economy. It will also explore the role of digital technology in developing financial services that change lives and workspaces.

At Worldline and equensWorldline we fully acknowledge the importance of this topic and have made strong CSR commitments. Our TRUST 2020 program is our roadmap to drive transformation throughout the company.

We translated five key objectives into action plans to build long-term trust with our stakeholders, which are in line with our commitment to contribute to the United Nations Sustainable Development Goals (SDGs) to be achieved by 2030.
Our CSR commitments

Digital payments for a trusted world

We focus on building customers’ trust with reliable, secure, innovative and sustainable solutions. By leveraging our expertise we help our clients with important but challenging topics in the area of risk management, compliance and data protection. In addition, we endorse our business ethics via our value chain, ensure integrity and undertake social initiatives to give back to our communities. And last but not least, we do our utmost to leverage the eco-efficiency of our data centres and offices. 
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