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September 16, 2016

Headline News from PaymentsNews.com - September 16, 2016

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments strategy consulting and education services to payments professionals worldwide!

ON THE WEB

  • What the Wells Fargo Cross-Selling Mess Means for Banks - Wall Street Journal - "Concept of selling customers multiple products is Holy Grail of banking, but it’s tough to pull off in practice."
  • PayPal Reaches Deeper Into China With UnionPay Partnership - Bloomberg - "Merchants in European countries will be able to accept payments from UnionPay credit and debit cards through PayPal’s Braintree platform designed for mobile commerce, San Jose, California-based PayPal said Thursday in a statement. Adding a familiar payment option is a key step to enabling cross-border e-commerce, so the partnership will increase PayPal’s appeal to European merchants looking to reach Chinese shoppers. Alibaba Group Holding Ltd. uses a similar strategy to introduce foreign goods to Chinese shoppers through it’s payments service."
  • Domino’s joins chatbot movement, unveils Facebook Messenger ordering - Mobile Commerce Daily - "In an effort to cash in on the chatbot craze and expand its own digital ordering service, Domino’s is now allowing customers to order pizza through a Facebook Messenger chatbot."
  • Australia to Lead International Blockchain Standards Effort - Coindesk - "An Australian group has been selected by the International Organization of Standardization (ISO) to spearhead a technical committee developing standards for blockchain tech. Standards Australia announced its leadership role on the committee yesterday, revealing it will oversee members from 35 countries on the effort. The ISO, founded in the 1940s, is composed of representatives from more than 160 national standards-setting bodies."
  • Taking Proximity Tech Beyond Promotional Offers - Streetfight - "Another forward-thinking, and more complex, use of beacon technology is enabling mobile payments. When a shopper is using a mobile shopping app that includes the customer’s shopping list, beacons can automatically add the items to a customer’s digital cart as they pass and stop at the item’s in-store location. Shoppers can add additional items to their digital shopping cart by scanning or taking a photo of the item. When it’s time to exit the store, an in-store associate can easily verify the purchase, bag the items and print or email a receipt based on the customer’s preference."
  • Pushing the boundary of Enterprise Security with Verified Access - Google for Work Official Blog - "With security breaches that pose threats to businesses and their customers on the rise, CIOs are demanding more from their vendors when it comes to the security of their systems and devices. Advanced security is a mainstay of every Chrome device, regardless of price or type, and today we’re taking the next major step in bringing greater security to the enterprise with Verified Access for Chrome OS devices."

ON THE WIRES

  • UPDATE: Walmart Canada Statement Regarding Visa Credit Card Purchases - "Walmart Canada began informing customers this morning that we will stop accepting Visa credit cards at our 16 stores in the province of Manitoba beginning October 24, 2016. On July 18, 2016, Walmart Canada stopped accepting Visa credit cards in Thunder Bay."
  • The Bancorp Implements Cost Reduction Plan to Reduce Expenses and Improve Efficiencies - "The Bancorp, Inc. (NASDAQ: TBBK) today began the implementation of a board-approved cost reduction plan designed to streamline its businesses and corporate functions and better position the organization for the future. The first phase of the plan entailed a company-wide workforce reduction. The second phase will entail a close examination and identification of potential cost saving opportunities within the company’s supply chain network."
  • Kazkommertsbank and Diners Club International Launch Franchise Activity in Kazakhstan - "Diners Club International Ltd., as part of Discover Global Network, and JSC Kazkommertsbank, one of the largest acquirers and credit card issuers in Kazakhstan, will commence Diners Club card business operations in Kazakhstan."
  • Conformance Technologies to be Honored by PCI Security Standards Council - "“Participating organizations are critical in our mission to educate, empower and protect the payment card marketplace,” said PCI Security Standards Council General Manager, Stephen Orfei. “As the PCI Council celebrates its 10 year anniversary, we are appreciative of the continued involvement of Conformance Technologies and the commitment they have demonstrated to payment security since the Council’s inception,” adds Orfei. “We look forward to continuing this collaboration in the decade ahead.”"

GLENBROOK PAYMENTS EDUCATION EVENTS

Our next Glenbrook payments education events are coming this fall - in Palo Alto, CA and New York City. See our fall schedule here. We hope to see you there!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

September 15, 2016

Headline News from PaymentsNews.com - September 15, 2016

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments strategy consulting and education services to payments professionals worldwide!

ON THE WEB

  • MasterCard Seeks To Stop Online Fraud With Selfies, Fingerprints - Wall Street Journal - "MasterCard plans to launch new biometric technology for verifying customer identities during online shopping transactions in the coming weeks with merchants and banks. The company has been testing facial and fingerprint recognition software, called Identity Check, in the Netherlands, Canada and the U.S., as a way to combat growing online fraud."
  • Naspers’ PayU buys Citrus Pay for $130M in cash to expand in India - TechCrunch - "PayU, an online payments company with a focus on developing markets that is owned by South Africa’s Naspers, has acquired India’s Citrus Pay for $130 million in cash, in what the companies say is the largest cash exit for a payments company in India to date."
  • Federal Prosecutors Investigating Wells Fargo Over Sales Tactics - Wall Street Journal - "Federal prosecutors are in the early stages of an investigation into sales practices at Wells Fargo & Co. that led to the bank being hit last week with a $185 million fine, according to people familiar with the matter."
  • Sydney Stock Exchange Taps Blockchain to Fight ASX Monopoly - Coindesk - "By immediately settling transactions, Joseph said she believes SSX can reduce its risk, while helping Australia emerge as a leader in harnessing blockchain technology. Still, Joseph, who also chairs the Australian Digital Currency Commerce Association (ADCCA), said there are regulatory reforms that are needed before the exchange could implement such a system. Currently, all four licensed clearing and settlement facilities in the country are owned by ASX, according to the Bank of International Settlements."
  • New Messenger Platform Features: Link Ads to Messenger, Enhanced Mobile Websites, Payments and More - Facebook developer blog - "Today, we're also rolling out a new way for businesses to sell products and services in Messenger. Payments can now be integrated into messages, making it easy for customers to shop and purchase without leaving the app. Messages with payments utilize industry-leading controls and financial information is protected with bank-level encryption. As of today, payments will be available for select developers in beta; businesses can apply through the Messenger developer webpage. We expect to roll out this capability more broadly by the end of the year."
  • Secret Service Warns of ‘Periscope’ Skimmers - Krebs on Security - "The U.S. Secret Service is warning banks and ATM owners about a new technological advance in cash machine skimming known as “periscope skimming,” which involves a specialized skimming probe that connects directly to the ATM’s internal circuit board to steal card data."

ON THE WIRES

  • Several Global Banks Join Ripple’s Growing Network - "Ripple is proud to announce the addition of several more financial institutions to our growing network. Standard Chartered, National Australia Bank (NAB), Mizuho Financial Group (MHFG), Siam Commercial Bank and Shanghai Huarui Bank are now among the global banks that have adopted Ripple’s settlement technology to improve their cross-border payments and offer their customers improved service."
  • Ripple Raises $55 Million in Series B Funding - "Ripple is pleased to announce that we have raised $55 million in Series B financing. This includes participation from new investors, including Standard Chartered, Accenture and SCB Digital Ventures, the venture arm of Siam Commercial Bank, and SBI Holdings. Additional investors participating in the round include Santander InnoVentures, the venture arms of CME Group and and Seagate Technology."
  • Amdocs Acquires Three Leading Technology Companies to Expand Digital Offering - "Vindicia is a market-leading provider of software-as-a-service (SaaS) subscription management and payment solutions. Vindicia makes it easy, flexible and frictionless for digital enterprises to onboard customers and process payments for digital content, over-the-top (OTT) entertainment, online subscriptions and on-demand services."
  • UATP Teams With Affirm To Deliver New Payment Solutions For Its Customers - "UATP announced today that they have teamed up with Affirm, an innovative financial services provider, to provide technology that will allow airlines' customers to purchase airfare in flexible installments, without a credit card. The partnership builds upon UATP's payment technology platform providing speed to market for the Affirm product."
  • SuperCom to Launch Mobile Wallet Solution with VeriFone and Nofshonit in Israel - "SuperCom (NASDAQ: SPCB), a global provider of secure solutions for the e-Government, Public Safety, HealthCare, and Finance sectors announced today that Nofshonit, one of the largest loyalty club providers and operators in Israel, has selected SuperCom to provide an e-wallet solution to Nofshonit clients for digital loyalty and pre-paid shopping programs, to be supported at merchant locations over various devices and applications."

GLENBROOK PAYMENTS EDUCATION EVENTS

Our next Glenbrook payments education events are coming this fall - in Palo Alto, CA and New York City. See our fall schedule here. We hope to see you there!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

September 14, 2016

Headline News from PaymentsNews.com - September 14, 2016

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments strategy consulting and education services to payments professionals worldwide!

ON THE WEB

  • Sophisticated retailer apps see 54pc of transactions occur in-app: report - Mobile Commerce Daily - "As the debate between the conversion potential of mobile Web sites versus applications continues, a new report by Criteo revealed that retailers with sophisticated app presences saw up to 54 percent of their transactions generated in-app, up seven percent from last year."
  • Subway bolsters digital assets - Restaurant News - "In making the acquisition, Subway is buying a 20-person team, which will remain in Vancouver and help the chain bolster its mobile ordering and payment capabilities. It could also speed Subway’s development of in-store kiosks, something the chain is developing alongside Avanti. "
  • Let Siri Carry Your Wallet: Payments at the Speed of Conversation - Venmo blog - "Siri will draft a text message for you to review and send to Venmo. We’ll double check your grammar and make sure you are paying or charging one of your Venmo friends. If everything looks good, we’ll pay or charge your friend and send you and Siri a confirmation message."
  • Alibaba Pays $100 Million For Eye-Scan Firm Used by U.S. Banks - Fortune - "Alibaba’s payments arm, Ant Financial, has acquired EyeVerify, a maker of optical recognition technology used by Wells Fargo along with dozens of regional banks and credit unions across the country."
  • India Demands that Apple Devices be Embedded with New Government Biometric Security System - Patently Apple - "The report further notes that the new Indian Government "initiative is part of a national biometric identity program called Aadhaar (Hindi for foundation). Millions of Indians use fingerprint and iris-scan authentication to access a range of public and private services that now includes banking. Failure to join the effort could limit the tech industry's access to a vast and growing market, but companies like Apple and Google are expected to resist opening up their phones and operating systems to the Indian registration, encryption and security technology."
  • Bitcoin Technology Harnessed to Push Electricity Revolution - Bloomberg - "Bitcoin technology is starting to seep into the electricity business, shaking up the way payments are managed every time a light switch is flipped."
  • Someone Is Learning How to Take Down the Internet - Lawfare Blog (Bruce Schneier) - "Over the past year or two, someone has been probing the defenses of the companies that run critical pieces of the Internet. These probes take the form of precisely calibrated attacks designed to determine exactly how well these companies can defend themselves, and what would be required to take them down. We don't know who is doing this, but it feels like a large a large nation state. China and Russia would be my first guesses."

ON THE WIRES

  • JPMorgan Chase Signs Best Buy to Accept Chase Pay - "Chase has signed a multiyear agreement for Best Buy (NYSE: BBY) to accept Chase Pay in its stores, on BestBuy.com and in the Best Buy app, the company announced today."
  • CIBC to Join SecureKey Concierge Authentication Service - "SecureKey Technologies, a leading provider of identity and authentication solutions for simplifying consumer access to online applications, today announced that CIBC, a leading Canadian-based global financial institution with 11 million personal banking and business clients, has reached an agreement with SecureKey to become a Trusted Sign-In Partner participating in the SecureKey Concierge™ service, following integration and associated compliance approvals. CIBC is the fifth of the five largest banks in Canada to become a Trusted Sign-In Partner. It joins BMO Bank of Montreal, Choice Rewards MasterCard, Desjardins, RBC Royal Bank, Scotiabank, Tangerine, TD Canada Trust, Caisses Populaires Acadiennes, and Caisses Populaires."
  • Alliance Data's Card Services Business Extends Instant Issuance Capability To Include EMV Technology And Private Label Cards, Helping Brands Increase Credit Card Activation Rates And Enhance The Customer Experience - "Alliance Data Systems Corporation's card services business (www.knowmoresellmore.com), a premier provider of branded private label, co-brand and business credit programs, will extend its Instant Issuance capability to incorporate EMV technology for co-brand cards and offer private label credit cards that can be printed onsite at retail locations, with an eye towards grand openings and other special events. This will enable customers to apply for a credit card and have in-hand within minutes1, driving increased customer satisfaction and an immediate increase in sales."
  • SecValMSP Releases SecValSECURE™ to Bullet Proof Payment Applications - "SecValSECURE™ protects payment applications such as Point of Sales and Premise / Cloud Based Property Management Systems allowing them to run safely and communicate securely even on infected systems. SecValSECURE™ is not intended to be a replacement for PCI Compliance but rather acts to bullet proof payment applications allowing merchants time to implement and operationalize all of the required data security controls. "
  • Varo and The Bancorp Bank Announce Partnership to Support Mobile Checking and Savings Account - "Varo Money, Inc., a mobile-only banking start-up that will help consumers gain greater control of their financial lives, and The Bancorp, Inc. (NASDAQ: TBBK) announced today that they have signed an agreement whereby The Bancorp Bank will provide private label banking services to support Varo mobile checking and savings account products."
  • House Advantage And Sightline Payments Announce An Integration Partnership; Bringing Together Powerful Loyalty Capabilities With An Innovative Payments Platform - "As an integrated solution, Sightline Payments Play+® platform and SPAN™ Network will allow an account holder to transfer funds electronically from their Play+ account, directly to or from the casino and across other customer touch points through House Advantage's award-winning HALoÒ loyalty platform."

GLENBROOK PAYMENTS EDUCATION EVENTS

Our next Glenbrook payments education events are coming this fall - in Palo Alto, CA and New York City. See our fall schedule here. We hope to see you there!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

September 13, 2016

Headline News from PaymentsNews.com - September 13, 2016

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments strategy consulting and education services to payments professionals worldwide!

ON THE WEB

  • Incredible India! - Payments Views (Glenbrook’s Scott Loftiness - "A few weeks ago I joined my client Raj Jain, CEO of RS Software, for my third visit to India. RS Software is headquartered in Kolkata which was our first stop for the annual general meeting of shareholders. After that, we visited Mumbai and Bangalore – along the way we met with many of the key individuals helping drive the now rapid change that’s unfolding for payments in India."
  • Senate Banking Committee to Host Wells Fargo Hearing - Wall Street Journal - "The Senate Banking Committee’s Republican majority said late Monday that it expects to hold a hearing on Wells Fargo & Co., which was fined $185 million last week for questionable sales practices."
  • Value-Seekers Warm to a $450 Annual Credit Card Fee - New York Times DealBook - "But the Chase Sapphire Reserve card has done more than generate product hysteria at its finest. It has also intensified the arms race among large credit card issuers, which are introducing increasingly lavish rewards programs to capture affluent consumers who spend large sums on travel and recreation, but no longer want to be bound to one particular hotel or airline’s affinity program."
  • Visa Introduces Mobile-Money Product to Rival Safaricom’s M-Pesa - Bloomberg - "The mVisa app will initially facilitate transactions for people with accounts in four banks, including KCB Group Ltd. and Co-operative Bank of Kenya Ltd., according to Visa Emerging Markets Senior Vice President Uttam Nayak. The company estimates 84 million of Africa’s mobile-phone users still pay by cash."
  • Goldman Sachs wants to put foreign exchange trades on the blockchain - Quartz - "The patent application, published by the US Patent and Trademark Office (USPTO) on Sept. 8, 2016, was originally filed in March 2015. It outlines a distributed ledger (essentially an accounting ledger shared by a number of different parties, also known as a blockchain) that can process financial transactions in the foreign exchange market. It’s Goldman Sachs’ first blockchain-related patent (though another patent application published in Nov. 2015 showed the investment bank was looking at a bitcoin-esque digital currency for traders)."
  • NAB taps Visa Developer programme to revitalise mobile app - Finextra - "» View all retail banking newsNext retail banking story »left image1left image1left image0left image0left image0left image1NAB taps Visa Developer programme to revitalise mobile app2 hours ago | 1366 views | 0Online shopping buy now smartphoneNational Australia Bank is rolling out a series of card-linked enhancements to its mobile banking app, including a 'world-first' feature which enables consumers to use the app to pay for purchases while waiting for the arrival of new Visa credit cards."
  • What’s New at MIT’s Digital Currency Initiative - Medium - "Addressing these problems is vital. Perhaps surprisingly, I think that cryptocurrencies may offer the best chance to do so. That’s why I’m excited to be expanding my role within the MIT Digital Currency Initiative as its new research director. "
  • The bizarre world of bitcoin ‘mining’ finds a new home in Tibet - The Washington Post - "But here in Kongyu, most of the mining is virtual. It is here because of extremely cheap hydropower, cheap wages — and perhaps because Chinese entrepreneurs have a knack for the business."

ON THE WIRES

  • Wells Fargo to Eliminate Product Sales Goals for Retail Bankers - "Wells Fargo & Company (NYSE:WFC), announced today that it will eliminate all product sales goals in retail banking, effective January 1, 2017."
  • Visa and leading banks launch mVisa – Kenya’s first interoperable mobile payments service - "Visa Inc today introduced mVisa, a new mobile payment service that will accelerate digital commerce in Kenya and across Africa. As part of its initial roll-out, Visa has partnered with Co-Operative Bank, Family Bank, KCB, and NIC Bank to deliver this service to Kenyan consumers and merchants. "
  • On-line Sales (Card Not Present Transactions) Driving Need for User Authentication Standards and Better Adoption - "The Electronic Funds Transfer Association (EFTA), which works to advance electronic payments and commerce through responsible federal government relations and member education, today releases its second white paper on, “User Authentication,” which details the benefits and challenges of utilizing user authentication as a component of an overall security strategy. "
  • AnchorID Brings Custom Authentication to Credit Unions - "CU Wallet, a Los Angeles-based provider of white-label digital wallet solutions for regional and community FIs, has picked Finovate Best of Show winner AnchorID to provide multi-factor authentication. "
  • Jack Henry & Associates Integrates Banno Mobile into Core Environments - "As banks and credit unions adjust to rapidly changing consumer expectations, their services must be fast, dependable, flexible, and able to deliver the experience consumers demand. Financial institutions are deploying Banno Mobile to gain not just a list of features, but access to a complete platform that scales across all customer touchpoints. Its integration now to Jack Henry & Associates' cores gives financial institutions the agility to transition their digital channel from a self-service strategy to functioning customer-centric interactions."
  • Carrefour payment cards go mobile in Spain thanks to Gemalto’s proven Trusted Service Hub - "Gemalto (Euronext NL0000400653 GTO),the world leader in digital security, has been chosen by Market Pay, payment institution of the world’s second biggest retailer, to deploy a mobile payment solution for its “PASS” banking card in Spain. This project is part of a multi-channel strategy that leverages connected technologies to further enhance the shopping experience."

GLENBROOK PAYMENTS EDUCATION EVENTS

Our next Glenbrook payments education events are coming this fall - in Palo Alto, CA and New York City. See our fall schedule here. We hope to see you there!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

September 12, 2016

Headline News from PaymentsNews.com - September 12, 2016

Headline News is brought to you by Glenbrook Partners. Glenbrook provides payments strategy consulting and education services to payments professionals worldwide!

ON THE WEB

  • Facebook Messenger now allows payments in its 30,000 chat bots - TechCrunch - "To support payments in Messenger, Marcus says that the company is working with all the major players in the industry including Stripe, PayPal, Braintree, Visa, MasterCard and American Express."
  • CBA and Barclays announce UK-Australia mobile payments solution - Delimiter - "In a statement on the CommBank website, the firms said their retail customers will soon be able to move money between the two countries using “just a mobile number”. The payments will be enabled via a linkup between the two banks’ respective payment apps – CBA’s CommBank app and Barclays’ Pingit – to provide what they called a “seamless, secure and simple process for moving money across continents”."
  • The Blockchain: An Experiment in Governance Without Power - Coindesk - "According to conventional political ideas a decentralized and wholly voluntary system of governance should not be possible, let alone optimal. The success of bitcoin as a monetary and social experiment therefore could depend on shattering this very narrative.

 Unlike other systems, its organization is not defined by power structures, but by voluntary consensus and open competition."
  • Amex enables loyalty points for purchases - American Express Canada - "American Express Canada is enabling cardmembers to use rewards points to pay for purchases charged to their card. "

ON THE WIRES

  • Mastercard Chip Momentum: Reducing Fraud One Year In - "Mastercard fraud data shows a 54 percent decrease in counterfeit fraud costs at U.S. retailers who have completed or are close to completing EMV adoption, when comparing April 2016 to April 2015. Demonstrating the power of EMV and the risk of not adopting it, counterfeit fraud costs increased by 77 percent year-over-year among large U.S. merchants who have not yet migrated or have just begun the migration to chip."
  • Elavon & talech Launch Tablet Payment Solution in Canada for Small and Mid-Sized Businesses - "Elavon, a leading global payment solution provider and subsidiary of U.S. Bancorp (NYSE: USB), is launching a tablet-based payment solution in Canada that will provide small and medium-sized businesses with secure, interactive payment processing, powerful data analytics and affordability to help businesses effectively manage and grow their businesses."
  • VC Blockchain Investments Approach $300 Million in H1 2016 as Banks Lead Deployments - "A new study from Juniper Research has found that the total value of Venture Capital (VC) investment into blockchain technologies and Bitcoin companies totalled $290 million in the first 6 months of the year, with more than 30 startups receiving funding in that time."
  • Guardian Analytics® and Ocean Systems, Inc., Announce Joint Partnership to Expand Real-time Wire Fraud Prevention to FedLink Customers - "Guardian Analytics, the market leader in behavioral analytics solutions for preventing banking fraud, today announced a partnership with Ocean Systems, Inc (OSI), a software development company specializing in solutions for the financial and banking market, including their flagship wire service, FedLink. Together, the two firms have established a technical partnership at the request of their joint customers to ensure out-of-the box integration between FedLink and Guardian Analytics Wire. This integration will ensure faster time to deployment and real-time wire fraud protection for FedLink customers."
  • BrightHouse Makes Sure The Customer Comes First With New SMS and Mobile-Based Payments - "Fast-growing customer engagement leader VoiceSage has just announced that BrightHouse, the UK’s leading rent-to-own retailer, has introduced a new self-service mobile payments system to help customers make payments promptly and conveniently."

GLENBROOK PAYMENTS EDUCATION EVENTS

Our next Glenbrook payments education events are coming this fall - in Palo Alto, CA and New York City. See our fall schedule here. We hope to see you there!

Bring your colleagues along! Group discounts are available. For more information or to learn about our private workshops conducted at your location, contact Glenbrook's Russ Jones.

UPDATES FROM GLENBROOK

Note: Headline News is compiled by Glenbrook Partners. Throughout the day, as we spot interesting developments, this post is updated. Do you have news to share? Tell us here: gotnews@paymentsnews.com!

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