Payment fragmentation is here to stay, and banks must adapt
For years, the payments industry has been on a seemingly unstoppable path toward global harmonisatio...
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Navigating change in an uncertain world
Reflecting on our annual European payments conference Banks have entered a “new era of uncertainty”,...
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Implementing Verification of Payee - Challenges and Recommendations
Verification of Payee (VoP) is a requirement for financial institutions in SEPA countries introduced by the EU's Instant Payment Regulation.
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Navigating Verification of Payee: UK, EU and globally
Verification of Payee (VoP) is an additional mandatory layer of payments protection to avoid payments in error and to prevent fraud.
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Regulation, opportunities and accelerating payments transformation – takeaways from our IPF Day
Last month, Icon brought together payments professionals from across Europe and the US for our 3rd IPF Day.
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Evolving the bank: Beyond the EU Instant Payments Regulation (IPR)
This blog explores the regulation, key challenges for banks along with what banks can do to resolve them and evolve their capabilities beyond the requ...
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‘PSD3’ – or should that be ‘PSR1’? Exploring the EU’s updated payments regulations
On 28th June 2023, the European Commission (EC) set out its proposals for ‘modernising payment services and opening financial services data’.
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Competition in payments: the rise of A2A payments and the role of regulation
In order to create a market where new schemes like Account-to-Account payments can compete, regulation must play a central role.
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What are the key considerations for adopting Request to Pay technology?
Considering Request to Pay? Here are the key factors for adoption, from technology and standards to consumer demand and industry readiness.
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Open Banking - Learning from past successes
Open Banking is transforming the financial services market. There is no doubt about that.
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PSD2 Set to Topple Europe’s ‘House Of Cards’ by 2027
PSD2 and Instant Payments will disrupt retail payments. This piece quantifies the impact—scale, timeline, and areas most affected, with data.
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PSD2 and Instant Payments - Membership has its privileges
In 2014 Europe started ramping up the rhetoric for building a pan European Instant Payments solution (now known as SCT-Inst).
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The ERPB Highlights the Holes in PSD2
Insights into PSD2 challenges highlighted by ERPB, with analysis of regulatory gaps and their impact on the European payments landscape.
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PSD2 and SCTInst: A threat to card payments in Europe?
PSD2 paves the way for a new way to pay online across Europe. Instead of using a card, consumers will soon be able to pay directly from their bank acc...
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The Treasury’s view of PSD2: A step in the right direction?
As a European directive, PSD2 has to be transposed into UK law.
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Post-PSD2: What Will Banking Look Like?
The revised Payment Services Directive (PSD2) has been the cause of much hand-wringing in the banking space.
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PSD2, RTS and SDC: confusion reigns
Over the last couple of weeks the media agenda has been dominated by Payment Services Directive Two (PSD2), and unfortunately not for the right reason...
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PSD2 - Powered By Pixie Dust
I was recently on a panel at NextGen Banking Nordics, discussing PSD2 (of course) where I was pretty critical of the draft Regulatory Technical Standa...