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How Will Brexit Affect the Uk's Card Market?

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How Will Brexit Affect the Uk's Card Market? May 2017 Issue 543 www.cardsinternational.com HOW WILL BREXIT AFFECT THE UK’S CARD MARKET? • PRODUCTS: Prepaid in Canada • ANALYSIS: Social Finance • GUEST COMMENT: FICO, PPRO Group and allpay • COUNTRY SURVEYS: Thailand, the UK & Italy CI 543 May.indd 1 13/06/2017 11:08:28 Multichannel digital solutions for fi nancial services providers To fi nd out more about us please visit: www.intelligentenvironments.com Intelligent Environments is an international provider of innovative mobile and online solutions for fi nancial services providers. Our mission is to enable our clients to always stay close to their own customers. We do this through Interact®, our single software platform, which enables secure customer acquisition, engagement, transactions and servicing across any mobile and online channel and device. Today these are predominantly focused on smartphones, PCs and tablets. However Interact® will support other devices, if and when they become mainstream. We provide a more viable option to internally developed technology, enabling our clients with a fast route to market whilst providing the expertise to manage the complexity of multiple channels, devices and operating systems. Interact® is a continuously evolving technology that ensures our clients keep pace with the fast moving digital landscape. We are immensely proud of our achievements, in relation to our innovation, our thought leadership, our industrywide recognition, our demonstrable product differentiation, the diversity of our client base, and the calibre of our partners. For many years we have been the digital heart of a diverse range of fi nancial services providers including Atom Bank, Generali Wealth Management, HRG, Ikano Retail Finance, Lloyds Banking Group and Think Money Group. IE RBI final design.indd 1 05/05/2016 10:36:41 Cards International EDITOR’S LETTER CONTENTS EDITOR’S LETTER 2S: NEW DIGEST 6 PRODUCTS: PREPAID IN CANADA Poll shocker: Lloyds ranks top Two Vancouver-based fintechs, Koho and Mogo Finance Technology, have for trust launched mobile-enabled prepaid cards targeting Canadian millennial consumers looking to avoid high bank charges and expensive credit cards. Robin Arnfield assesses the ell here is a turn up. A UK retail • Only 8% of people are happy for banks to market’s promise and headwinds banking consumer survey asks con- have their personal data regardless of wheth- 8 ANALYSIS: SOCIAL FINANCE sumers which bank they trust most er they have received good or bad customer After acquiring multi-currency – and the most popular answer was service from them. digital bank Zenbanx, US online W not First Direct, Metro Bank or Nationwide. lender Social Finance (SoFi) plans to apply for an industrial bank charter Nor was it TSB, which the writer might have Surprisingly, the report finds that older people so it can offer bank accounts and expected to score highly. seem to understand personalisation best. 63% of credit cards. Robin Arnfield speaks to industry analysts to find out more Nope-the top answer was Lloyds. Not a mis- 55-64 year olds state that personalisation means print: it is Lloyds. Lloyds Banking Group (LBG) companies tailoring communications to their pref- 10 RESEARCH: GLOBALDATA comes out rather well in the survey with sub- erences and actions, whereas only 38% of 25-34 Canadians are less keen than their brands Halifax/Bank of Scotland ranking second, year olds took the same view. US peers on mobile payments, India leads the e-wallet charge in ahead of Barclays in third place. The report concludes that trust is a much bigger Asia-Pacific, interest rates in the US Santander, fourth and First Direct in an unac- factor than either liking or being an existing cus- cause concern, and a discrepancy in Singapore between card penetration customed fifth place round off the top five. tomer, when it comes to whether people are happy and transaction volumes is striking Cue an immediate check to see just who spon- for banks to hold their personal data. sored the report and what was the sample size, While LBG will no doubt welcome the report, 12 GUEST COMMENT: FICO given Lloyds and Barclays lack of obvious suc- work remains to be done across the sector. Lev- Which works better for modelling credit risk: traditional scorecards or cess in the quarterly account switching rankings, els of trust with banks have remained relatively AI and machine learning? The best generally dominated by Nationwide, Santander, static in the last 12 months with only 11% of the approach is to use them together, writes FICO’s Scott Zoldi Metro Bank and admittedly, Halifax. consumers surveyed saying they trusted their bank The report ‘Personalisation in Retail Banking’ more than last year. 13 GUEST COMMENT: ALLPAY was not actually sponsored by LBG (the survey So there you have it: people can like a bank and Outsourcing payment processing can was commissioned by Webhelp) but it was a rela- be a customer without actually trusting them, free up time, and allow businesses to focus on customer service, client tively small survey of 500 UK-based adults. although in turn this is likely to limit the level of relations and lasting growth, writes Key takeaways include: personal data that they are willing to provide. allpay’s Ross Macmillan As for positives: well only 30% of those Web- 14 COUNTRY SURVEY: THAILAND • Just 55% of respondents have heard of per- help surveyed said they are not influenced by 16 COUNTRY SURVEY: THE UK sonalisation and understand what it means, personalised communications with another one with the figures dropping to only 38% for third saying that they feel it is helpful to receive 18 COUNTRY SURVEY: ITALY people aged between 24 and 35; offers and communications that are personalised 20 GUEST COMMENT: PPRO GROUP • 49% of people are happy with a bank hav- to them. From Jack trading a cow for magic ing their data if they trust that bank This shows that a significant opportunity exists beans to tapping plastic against an NFC reader, how we have paid for • 39% of respondents do not want banks to for banks to engage with their customers in a more goods has taken many unexpected hold their personal data regardless of wheth- personalised way, but only on the proviso that turns, writes Ralf Ohlhausen er they trust them or not; they are able to tailor their approach effectively. • 35% of people are happy to have their personal data kept by a bank that has given Douglas Blakey them good customer service, and [email protected] Editor: Douglas Blakey Group Publisher: Ameet Phadnis For more information on Verdict, visit our Tel: +44 (0)20 7406 6523 Tel: +44 (0)20 7406 6561 website at www.verdict.co.uk. Email: [email protected] Email: [email protected] As a subscriber, you are automatically Financial News Publishing, 2012 entitled to online access to Cards Deputy Editor: Anna Milne Sub-editor: Nick Midgley Registered in the UK No 6931627 International. For more information, please Tel: +44 (0)20 7406 6701 telephone +44 (0)20 7406 6536 or email Subscription Enquiries & ISSN 0956-5558 Email: [email protected] [email protected]. Customer Services: Unauthorised photocopying is illegal. The Senior Reporter: Patrick Brusnahan Tel: +44 (0) 20 3096 2636 contents of this publication, either in whole or London Office Tel: +44 (0)20 7406 6526 71-73 Carter Lane part, may not be reproduced, stored in a data or +44 (0)20 3096 2603 Email: [email protected] London retrieval system or transmitted by any form or Email: [email protected] EC4V 5EQ means, electronic, mechanical, photocopying, recording or otherwise, without the prior Asia Office permission of the publishers 1 Finlayson Green, #09-01 Singapore 049246 Tel: +65 6383 4688 Fax: +65 6383 5433 Email: [email protected] www.cardsinternational.com May 2017 y 1 CI 543 May.indd 1 12/06/2017 15:38:03 NEWS: DIGEST Cards International DIGITAL Vision Travel, CSI globalVCard directly into Concur, which will help in the “This partnership advances our capabili- to integrate virtual payments automation and streamlining of reservations. ties and gives corporate travel clients highly Once the integration is complete, card secure payments that are customised, con- Canadian travel management firm numbers will become invalid as only trolled and easier to reconcile.” Vision Travel and CSI globalVCard preauthorised purchases will be CSI globalVCard’s senior vice-president of have integrated travel manage- processed. Users will be able to travel, Juliann Pless, said: “Our integration ment software Concur Compleat control use and spending lim- with Concur Compleat allows Vision Travel to their single-use virtual card its in real time with desktop or to offer next-level service by saving time and payments partnership. mobile devices. increasing the security of payments. The partnership will help Vision Travel’s president of “It is exciting to play such a pivotal role Canadian companies to procure Ontario-West, Brian Robertson, in the expansion of virtual travel solutions travel with a virtual card payment said: “Vision Travel is committed to into the Canadian market. We are looking system. Vision Travel will incorporate a personalised and responsive approach forward to this evolving partnership with CSI globalVCard’s virtual card numbers to the business of travel. Vision Travel.” < PRODUCTS American Express Open launches business credit card or transfer points to the company’s partici- Referring to the card’s headline features, pating airline or hotel loyalty programmes. American Express Global Commercial Pay- American Express Open has introduced a The card will also allow small businesses ments’ senior vice-president of global prod- new Blue Business Plus credit card, that will to better manage cash flow by offering a low ucts, Audrey Hendley, commented: “Blue enable entrepreneurs to earn rewards on introductory APR, helping vendors to access Business Plus is the only no-annual-fee small everyday purchases, and improve cash-flow credit needed to start and grow businesses.
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