POSitivitymagazine AGGREGATED NEWS FROM YOUR WORLD OF PAYMENTS • ISSUE 69 / APRIL 2016 TOP 10 PAYMENT TRENDS What Are FOR 2016 Bitcoins Actually Used For Now in 2016? THE FUTURE OF CHECKOUTS: CASH, CREDIT OR Will 2016 Be the Year of YOUR CAR? Digital Wallet Adoption? A Tale Is the TreasureHunt of Two blockchain good malware Wallets for security? steals POS... on page 27 on page 35 on page 40 Dear merchant payments acceptance professionals We are delighted to bring you redesigned POSitivity magazine, focused on topics specific for the European payment acceptance audience. As of this Issue of POSitiv- ity magazine you will find the relevant content generated mostly by payment acceptance professionals. Our mission is to keep you up-to-date with the latest We have prepared for you also the most up to date Eu- European Payment Industry Announcements, trends ropean map of payments service providers for the most through news, opinion and educational content. complex and comprehensive industry overview. The “key topic” of this POSitivity magazine is dedi- We believe that inputs we collected for new POSitivity cated to Merchant driven payment initiatives in 2016 . will bring an inspiration back to your business. As technological disruptions gain momentum, payment Kind regards, world is becoming more challenging than ever. Tradi- Ondrej Dorcik tional payment methods and infrastructures are in a state of transformation due to increasing competition among new start-ups and their disruptive business models. De- spite the disappointment about the market’s acceptance of mobile payments for years, the search for the ‘next big thing’ in payments continues. Editorial mission Be the premier information resource for executives and sues in the editorial calendar on the following page. influencers in the European merchant payment accep- tance. New sections of the Positivity Magazine includes: • Overview of Key topics as covered in recent news, Positivity magazine delivers information and insights social medias, etc. mostly from the European merchant payments. You can • Expert Insights - section providing independent find the list of key topics to be covered in 2015-2016 is- opinion about recent announcements, industry news • Interviews with industry movers and shakers • Statistics & forecasts relevant for Key topics covered in the Issue • Infographics relevant for Key topics covered in the Issue We concentrate on helping individuals and businesses to navigate the increasing and ever-changing ecosystem of European merchant payments You can send us your press releases, news & suggestions to [email protected] Editorial calendar 2016 January 2016 February 2016 March 2016 April 2016 1st issue 1st issue MPE 2016 highlights European Map: Merchant pay- POS: transition from POS and Partnerships (post-conference issue) ment and solution providers mPOS to SmartPOS • What are the models to inter- Influential Start-ups in merchant • • From legacy POS to a platform link, to cooperate and compete payments architecture for banks, monoline acquirers • Investing into merchant pay- Merchant driven payment initia- • POS service in the Cloud and Fintech? ments start-ups, equity flow tives in 2016 • Tablets as mPOS Contactless and NFC projects in • Europe & US Security and Risk in designing Europe Innovative merchant payments innovations • Mobile payment adoption and VAS • Biometrics in detail • HCE • Major players and the issues • POS security challenges with this growing market • Digital identity & authentica- • Carrier billing for goods tion, tokenization and shopping experience May 2016 June 2016 July 2016 August 2016 Mobile POS Mobile POS mPOS W.I.S.E. highlights BIG payment data • Regulation, • TOP markets (post-conference issue) • Actionable intelligence in mer- • Migration to EMV in the US, • Providers Local and global card schemes in chant payments, • Risk and security, • Merchant segments Europe • Competitive landscape and so- • New HW and devices changing • News and expected regulation lutions mPOS Global Map of mPOS providers • Combining payments & analyt- • Apps, VAS and innovative SW, • M&As in European merchant ics for attractive offerings user experience, OS and hand- payments 2016 set specifics • The most influential people in B2B payments European merchant payments • Solutions for micro merchants & SME merchants, • Loyalty & rewards September 2016 October 2016 November 2016 December 2016 European Mobile Payment Ac- Blockchains and distributed led- Regulatory challenges Omnichannel & Integrated shop- ceptance in 2017 gers • Next steps in regulation of Ac- ping experience • ACH initiatives across Europe vs • ACH initiatives across Europe vs cess to Account, PSD2 • The changing role of stores in Apple Pay like payments Apple Pay like payments • Interchange fee regulation and meeting customer demands • Faster payment infrastructure • Faster payment infrastructure its impacts on different industry • Enticing mobile shoppers: from players browsers to buyers, from adop- European Acquiring European ecommerce payment tion to loyalty • Focus on local players and challenges Future of merchant checkout APIs, Apps, cloud and payments countries • Cross-border ecommerce and online, mobile and high • In-app payments • Cross border vs. domestic play- • Costs of accepting cards and al- street payments • Open APIs payments, solutions ers ternative payments • Innovating checkout and architecture • Lessons learned from HCE • Effective transaction routing • Simplicity, interoperability & in- • Contactless/NFC POS deploy- • Integration, Omnichannel gate- tegration of payment systems & ments ways technologies • Consolidation of CA in Europe • One-click payments key topic of the issue European Guide: Merchant Pay- ment and Solutions Providers 10 Top 10 Payment Trends for 2016 15 Interview with Michal Smida, CEO & Founder, Twisto Payments 13 Payment Trends. What can be in- ferred? mobile 18 Will 2016 Be the Year of Digital Wal- 21 This chart shows the seismic shift in let Adoption? how we pay for stuff 19 The importance of in-store mobile 22 Lessons from innovative Chinese technology mobile apps processing 24 MasterCard forecasts that 38% of EU 27 A Tale of Two Wallets payments by 2020 will be digital 25 Everything You Should Know About 29 Why We Are Still Reaching for Wal- Location-based Marketing Tech- lets, Not Phones, at the Checkout nologies ecommerce 31 What Are Bitcoins Actually Used For Now in 2016? 33 Get Ready for the Blockchain Tsu- 35 Is the blockchain good for security? nami security 38 Anatomy of Mobile Fraud: What 39 Merchant fraud and acquirer risk: Advertisers Need to Know what you need to know 41 Preparing for the Migration of Fraud 40 TreasureHunt malware steals POS credit card data from retailers cards 42 Could a Selfie Replace Cash or Credit? 42 Is Apple Pay really any more conve- 43 The future of checkouts: Cash, nient than plastic? credit or your car? key topic of the issue European Guide: Merchant Pay- ment and Solutions Providers w COMPANY NAME HEADQUARTERS WEBSITE SERVICE OFFICE 2Checkout United states www.2checkout.com/commu- Payment gateway, Processor nity Accelya Spain w3.accelya.com Payment service provider ACI Worldwide United states www.aciworldwide.com Payment gateway, Payment service provider Aduno Switzerland www.aduno.ch Payment service provider AIB Merchant Services Ireland www.aibms.com/index.php Payment service provider AirPlus International Germany www.airplus.com/world/en Payment service provider Alipay China www.alipay.com Alternative payment method Allied Wallet Inc. United kingdom www.alliedwallet.com Payment service provider, Issuer, Acquirer, Alternative payment method, Processor, Payment gateway arvato Financial Solutions Ireland finance.arvato.com Other, Payment gateway, Alternative payment method, Processor, Payment service provider Avangate Netherlands www.avangate.com Payment gateway, Payment service provider B+S Card Service Germany www.bs-card-service.com/en Payment service provider BACS United kingdom www.bacs.co.uk Payment service provider Bambora One Sweden www.bambora.com/sv/se/ Payment service provider bambora-one Bardo group Mauritius www.bardo.com/ Payment service provider Bitcoin United states www.bitcoin.org Alternative payment method BNL POSitivity Italy www.bnlpositivity.it/en/prodotti Payment service provider Boku United states www.boku.com Alternative payment method BuyBox France www.oonetic.com/technolo- Payment service provider gies/buybox-social-payment/ Card Complete Service Bank Austria www.cardcomplete.com Acquirer CardPay Netherlands www.cardpay.com Payment service provider Cardstream United kingdom cardstream.com Payment service provider Cartasi Italy www.cartasi.it/gtwpages/index. Payment service provider jsp CashSender Canada www.cashsender.com Payment service provider Chase Paymentech United kingdom www.chasepaymentech.co.uk PSP, acquirer Chess Netherlands www.chess.nl Payment service provider 6 POSitivity Cleverbridge Germany www.cleverbridge.com Payment gateway, Payment service provider CNG Processing Denmark www.cngpro.com Payment service provider Coinstar United states www.coinstar.com Payment service provider Commercegate Ireland www.commercegate.com Payment service provider, Payment gateway Computop - the payment Germany www.computop.com Payment service provider people Counting House www.countinghouseltd.com Processor, Payment service provider CreditCall United kingdom www.creditcall.com Payment service provider Ctopay China www.ctopay.hk Payment service provider Cyberplat Russian