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Atm Hacking and Black Friday Leave Consumers and Merchants Exposed www.cardsinternational.com Issue 561 / November 2018 UNINVITED GUESTS ATM HACKING AND BLACK FRIDAY LEAVE CONSUMERS AND MERCHANTS EXPOSED INSIGHT ANALYSIS COUNTRY SNAPSHOTS Emerging fintechs and Already a smartphone Market data and highlights traditional players are staple, can biometrics make for card payments in Peru, forming a new ecosystem a breakthrough to cards? Ukraine and Israel CI November 2018 561.indd 1 26/11/2018 12:46:19 contents this month COVER STORY NEWS SECURITY 05 / EDITOR’S LETTER 06 / DIGEST • Chase Offers launched to provide deals to customers • PointsBet collaborates with EML to offer reloadable card • FIME secures Mastercard biometric accreditation • Visa takes minority stake in Billdesk • EU credit card surcharge ban increases transaction volume • RBS enables customers to freeze lost cards • Wirecard to support Mastercard prepaid services • Amex introduces virtual corporate cards • PNC launches commercial credit cards in Canada • EMV cards fail to allay US retailer 12, 14 fraud fears • IndusInd Bank launches interactive credit card Editor: Group Editorial Director: Director of Events: • Revolut unveils new AI technology Douglas Blakey Ana Gyorkos Ray Giddings +44 (0)20 7406 6523 +44 (0)20 7406 6707 +44 (0)20 3096 2585 [email protected] [email protected] [email protected] Senior Reporter: Sub-editor: Head of Subscriptions: Patrick Brusnahan Nick Midgley Alex Aubrey +44 (0)20 7406 6526 +44 (0)161 359 5829 +44 (0)20 3096 2603 [email protected] [email protected] [email protected] Junior Reporter: Publishing Assistant: Sales Executive: Briony Richter Mishelle Thurai Jamie Baker +44 (0)20 7406 6701 +44 (0)20 7406 6592 +44 203 096 2622 [email protected] [email protected] [email protected] Customer Services: +44 (0)20 3096 2603 or +44 (0)20 3096 2636, [email protected] Financial News Publishing, 2012. Registered in the UK No 6931627. ISSN 0956-5558 08 Unauthorised photocopying is illegal. The contents of this publication, either in whole or part, may not be reproduced, stored in a data retrieval system or transmitted by any form or means, electronic, mechanical, photocopying, recording or otherwise, without the prior permission of the publishers. For more information on Verdict, visit our website at www.verdict.co.uk. As a subscriber you are automatically entitled to online access to Cards International. For more information, please telephone +44 (0)20 7406 6536 or email [email protected]. London office: John Carpenter House, John Carpenter Street, London, EC4Y 0AN Asia office: 1 Finlayson Green, #09-01, Singapore 049246 Tel: +65 6383 4688, Fax: +65 6383 5433 Email: [email protected] follow CI on twitter @Payments_News 2 | November 2018 | Cards International CI November 2018 561.indd 2 26/11/2018 12:47:10 contents november 2018 COUNTRY SNAPSHOTS 16 / PERU 16 Growth in Peru’s prepaid card market was supported by the government’s financial inclusion policy, which aimed to draw the country’s significant unbanked population into the formal banking system 18 / UKRAINE Ukraine’s economy was severely affected by the global financial crisis of 2008. The payment card market was also affected, and the total number of cards in circulation was broadly unchanged between 2013 and 2017 20 / ISRAEL Israel is one of the most developed payment card markets in the Middle East and Africa. Israelis are prolific card users, with frequency PRODUCTS ANALYSIS of card use for payments standing at 148 in 2017, the highest rate in the region 10 / FASTPAY 11 / BIOMETRIC CARDS Danske Bank has launched FastPay, its new Biometric technology is mainstream on 14 wearable offering. Given the cashless uptake in smartphones, but is yet to break through onto the Nordic region, the offering should perform cards. However, recent research suggests that well – but do local consumers really need most UK consumers would use a biometric another option? Patrick Brusnahan writes payment card. Patrick Brusnahan reports 12 / ATM HACKING There has been a sharp rise in ATM fraud, with cybercriminals worldwide planning highly co-ordinated attacks that can be completed in minutes. Briony Richter explores the vulnerabilities that are leaving ATMs exposed 13 / ATM NETWORKS Another month, another form of distribution’s death is predicted. This time it is the turn of the ATM, with some predicting that as cash usage goes down, the cashpoint will inevitably disappear. Patrick Brusnahan reports 13 10 FEATURE INDUSTRY INSIGHT 14 / BLACK FRIDAY 22 / SIX PAYMENT SERVICES Black Friday is one of the biggest days of the As new fintechs emerge and traditional year. In fact, it is now an entire period of the banking and payment institutions adapt year, bringing with it a multitude of payments to new technologies and higher consumer and a wave of problems. Patrick Brusnahan demands, the payment ecosystem is rapidly speaks to experts on how to survive evolving, writes Andrej Eichler www.cardsinternational.com | 3 CI November 2018 561.indd 3 26/11/2018 12:47:21 Retail Banking London 2019 24th April 2019 l London SHAPE THE FUTURE OF RETAIL BANKING Retail Banking London 2019 brings together high-street banks, new market entrants, financial professionals and industry disruptors in an active discussion of the key issues facing the industry: new regulation, digitalisation and tech innovations that are shaping the future of retail banking. Key Issues l Open Banking and the main results of the first stage implementation l How Millennials are shaping the future of payments l Artificial intelligence and machine learning, Innovation in branch transformation l Digital security and cyber crime l RegTech - Leveraging technology innovation to comply with regulation l Optimising customer experience in today’s competitive environment l Technophiles v Technophobes - meeting the needs of different customers Headline Sponsor Silver Sponsors For more details please contact Hannah Leigh on [email protected] or call +44 (0) 20 7936 6689 1118Timetric_RBI_Ad.indd 1 26/11/2018 10:17 editor’s letter Digital-only banks kick- start innovative card design Douglas Blakey, Editor he number of online and digital-only banks promoting a unique brand marketed as a T standalone solution continues to mushroom. I am not talking here about the growing number of digital sub-brands of established, incumbent banks such as DBS’s successful digibank, Bank Leumi’s Pepper, Chase’s Finn or Emirates NBD’s impressive Liv proposition. I have in mind the Revolut Starling digital neobanks marketed as an alternative to branch banking, and there are now more than two dozen that merit attention. Two common themes jump out, irrespective of the market in question: card design has been given a kick-start by the neobanks. Secondly, Mastercard is beating Visa hands down in terms of the card programme giants, with a few exceptions. One notable exception in the Visa camp is Chime. Its N26 Bunq customer numbers now exceed two million, serviced from its via a Mastercard travel card and a Visa-branded credit card. HQ in San Francisco. With only around 100 employees and But Bunq, Fidor, Monese, Monzo, N26, Starling and Tandem relatively modest venture-capital backing to date of about are all in the Mastercard camp. At Revolut – three million $100m, it has grown impressively. customers and counting – both Visa and Mastercard branded Varo is also in the Visa camp, but is very much in start-up cards are on offer. mode and its app is not yet available on Android devices. Varo is launching with a 1.75% rate for deposits, one of the highest Striking card designs on the market for a mobile-only outfit, and so will attract early The Revolut card design is arguably one of the better new press attention. In Australia, Xinja and Pelikin are both on the breed of cards, but is up against stiff competition. Take Visa platform, but that is about it – elsewhere Mastercard Dutch challenger Bunq for example. It is in the news for its dominates. partnership with Transferwise, but also merits a mention for Moven, in the Mastercard camp in the US, is eyeing up one of the more striking card designs of the digital challengers. opportunities across Latin America, Asia-Pacific, Africa and The Bunq card looks great, but any shortlist for card design Europe to complement its partnerships with TD in Canada of the year would have to include Starling. Its new card and Westpac in New Zealand. Aspiration in the US, also on is simple and sleek and designed to function as a natural Mastercard, has attracted around one million customers since extension of its app. The card strips everything back, with the launching in 2015. It continues to attract attention as a result card details on the back and colour scheme inspired by the of its ‘pay what is fair model’, enabling customers to decide indescent blue-green tones of the Starling bird’s plumage. what they pay for its products, even if it is $0. Elsewhere, Koho But arguably, the simplest marketing innovation in card (Visa) in Canada and Nubank (Mastercard) in Brazil merit close design is the original N26 transparent card. Now live in the attention going forward for any success in gaining market share UK – following its expansion to Denmark, Norway, Poland and away from the incumbents. Sweden, and with a US launch planned for 2019 – N26 wants But it is to Europe in general, and the UK in particular, where to hammer home its message of transparency of fees. A semi- the majority of the successful online digital startups are based. translucent card design is a pretty good marketing device to Denmark-headquartered Lunar Way has a foot in both camps, get that message over in new markets.
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