A sample of our published articles

Card Product

• Making sense of prepaid: Who will win?

SEPA

• New SEPA Council to Reboot SEPA for Cards (July 2010)

• Time To Rethink SEPA for Cards (December 2008)

• SEPA Cards Framework  - Scheme Restructuring Faltering? (July 2008)

• Hidden Back Office Savings SEPA May Deliver (November 2007)

• Driving the SEPA Train - How to Implement the SCF (October 2005)

• Re-engineering Debit - The Missing European Blueprint (March 2005)

• SEPA - An Achievable or Flawed Vision (January 2003)

• Cross Border Tangle - The Search for Low Cost Cross Border Payments (January 2003)

Processing

• Reducing the Risks of Multi-Country Bank Outsourcing (May 2010)

• The future of EU Card Processing Revisited (March 2010)

• Processors from Mars, Bankers from Venus (September 2004)

• Europe’s Search for the Optimum Card Processing Model (December 2003)

• Europe’s Big Banks’ Search for High Performance Switching Solutions (December 2002)


Interchange

• Unbundled Pricing: Merchants Due for An Uncomfortable Surprise (November 2011)

• The “Tourist Test” – time to turn the Payments guarantee into a Value Added Service (October 2009)

• The Uncomfortable Consequences of a Universal MIF (March 2005)

• The End of Multilateral ATM Interchange? (April 2002)


ATM

• Developing Europe's Third Scheme (August 2007)

• Organisation structures for ATMs (July 2003)

• Time to Rethink the ATM Business Model? (April 2002)

Payment Services Directive

• Why is the Implementation of the PSD being delayed? (March 2009)

• Are EU banks underprepared for the Payments Services Directive? (July 2008)

Acquiring

• Payments Gateway - Opportunities for Acquirers (November 2011)

• Dynamic Currency Conversion: The Myth versus the Reality (February 2007)

General

• Europe Set to Lose its War on Cash (March 2008)

• Can Consumer Behaviour Change Drive Down Smaller Country MSC’s? (September 2003)

• Ten Years Of Forecasting – The Lessons Learned (December 2001)

Document Links

• PSE Overview

• PSE Assignments

• PSE Fact Sheet