Payments & FinTech Magazine - The Future of Consumer Payments

#1 2022

Featuring

Content Contents 4

How Tokenization is Transforming Urban Mobility

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The New iDEAL: Ready For the Future

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On Facial Biometrics Replacing Traditional Payment Methods

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Buy Now Pay Later: an Outlook on 2022 and Beyond

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TOP JOBS A selection of jobs in payments & FinTech

by PaymentGenes.

How Fintechs can Help Save the Planet

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Interview Cybersource

How Tokenization is Transforming Urban Mobility

There are many drivers for transit operators to enable openloop tap-to-ride payments. But how are leading companies navigating that journey and how is tokenization transforming mobility? We had the pleasure to sit with Ken Ritchie, Senior Director at Cybersource, to look at best-practice approaches to roll out seamless mobility solutions.

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Could you tell us shortly about the Cybersource solution and your relationship with Visa?

Cybersource pioneered online solutions for businesses to accept credit cards 25 years ago, and has grown into a global payment management platform that creates flexible, creative commerce solutions to help businesses scale, adapt and grow with 24/7 support. As a wholly owned subsidiary of Visa, Cybersource has access to a global network of issuers and acquirers, as well as Visa’s world-class security infrastructure.

Today, more than 480,000 merchants worldwide use Cybersource and Authorize.net solutions.

What is the difference between tokenization services over regular classical PSP and what Cybersource can offer?

Tokenization in and of itself is not anything new. It was originally created to mitigate the exposure of sensitive information and it’s a central capability for enabling cohesive consumer experiences and helping to fight against fraud. At its core, tokenization replaces a cardholder’s 16-digit Visa account number with a secure token that protects the underlying card number from fraudsters. It is the process of sensitive payment data being replaced by a different, unrelated value called a token.

The value cannot be reversed and is useless to hackers.

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Interview Cybersource

Cybersource’s Token Management Service capabilities provide secure, seamless experiences, and the ability to manage a “token of tokens” for better customer insight. For example, our service tokenizes cardholders themselves, and their payments on any credit or debit card. Our tokenization solution also captures additional information such as delivery addresses, statement addresses, and so on.

Images provided by Cybersource, 2022

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Our solution is unique because it doesn’t matter what channel the cardholder uses – whether they’re using an app or vending machine, buying a ticket online, or they use a tap and go type of product, all that information easily comes back in a single token.

For instance, on transit, there was a requirement to support solution providers who do not have the capability to protect sensitive information on their platforms. To help transit operators meet this requirement, we added an auto management solution that allows us to tokenize transit information.

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How can an open-loop payments system facilitate sustainable mobility?

Open loop contactless payments have gone from a nice-to-have to a must-have for transit operators in order to provide customers with safe and secure solutions throughCOVID-19 and beyond – they are a

significant catalyst for bringing people back to transit. Visa’s Future of Urban Mobility Study found that 88% of riders expect contactless payments and ticketing options on public transit.

88% of riders expect contactless payments and ticketing options on public transit.

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Interview Cybersource

Enabling open-loop payments on transit comes with a host of benefits, including sustainability. It eliminates the need for traditional paper tickets, or one-time-use plastic cards, and creates more efficiencies for riders who want to quickly get on with their journey. That being said, I do not see closed-loop systems disappearing in their entirety, they have a valid role to play, but using existing digital technology to reduce waste helps create a more sustainable future.

Standardization is a key issue, do you believe Cybersource could play an active role in supporting forums in which competitors could discuss mutual development of specs?

With the role Cybersource plays in the payments space, we support a level of standardization across mass transit. For example, a couple of areas that could benefit from standardization are fuel cards and EV charging.

Urban mobility is a rapidly evolving area, fuelled by a lot of innovation. My advice to new entrants is to engage with payments leaders to make sure that the initiatives they are proposing make sense from a payments perspective.

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What’s next on Cybersource’ roadmap?

Our current focus is to add more solutions to our transit capabilities, and to continue to keep our pulse on functionality the market can benefit from.

We also work closely with partners around mobility as a service to understand the possibilities.

FinTech Magazine

About Ken Ritchie As a Senior Director at Cybersource, Ken looks after the Urban Mobility vertical. He believes in developing solutions that let people do more of what they want to do than what they have to do. He focuses on delivering Travel and Urban Mobility solutions that drive sustainability, lower costs, and delight customers and cardholders.

About Cybersource At Cybersource, we know payments. We helped kick start the eCommerce revolution in 1994 and haven’t looked back since. Through global reach, modern capabilities, and commerce insights, we create flexible, creative commerce solutions for everyday life—experiences that delight your customers and spur growth globally.

Cybersource is a wholly owned subsidiary of Visa, Inc.

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Interview iDeal

The New iDEAL: Ready For the Future with Daniel van Delft

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FinTech Magazine

Back in December 2020, iDEAL’s brand owner Currence announced that it had started working on the new iDEAL, and bits of information about the rehaul have been released since then. iDEAL saw the light of day in 2005 and has grown out to be the most frequently used online payment method

by Dutch consumers. We had the pleasure to interview Daniel van Delft, CEO at Currence and brand owner of iDEAL to discuss this program.

Can you describe the role iDEAL plays in the payment ecosystem? iDEAL is the predominant and most preferred eCommerce payment scheme in the Netherlands. iDEAL can also facilitate cross-border transactions between Dutch consumers and merchants overseas. The role we play is that we are the scheme that manages the interest of different players across the payment value chain. It’s a so-called four corner model.

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Interview iDeal

The New iDEAL will eliminate the need for merchants to request the customer’s shipping address because it is part of the customer’s iDEAL profile.

Why a new iDEAL and how will it affect the consumer and merchant experience?

We are working towards a more efficient and fine tuned customer experience whereby the consumer as such is able to register his own profile that requires entering the payment details only once as opposed to at every transaction. Ultimately leading to a very seamless experience for the consumer. This is done in an intelligent way, whereby the flexibility is at the consumer side. iDEAL would eliminate the need for merchants to request the customer’s shipping address because it is part of the customer’s iDEAL profile.

Additionally, the next set-up of iDEAL will significantly increase the innovation power of the scheme, enabling our existing and new ecosystem parties to launch new functionality rapidly.

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iDEAL is the dominant e-commerce payment method in the Netherlands. Do you have plans for international expansion?

That’s of course our ambition, but also a phased ambition. First, we strive to launch the new iDEAL in a way we believe is right. We also want all players in the payment value chain to find it right. At the end of the day, we are confident that the iDEAL scheme is in itself simple and easy. Once we have launched the new iDEAL, we definitely see an opportunity to further expand iDEAL across the Dutch borders. Not only from a merchant acquirer perspective, because that’s already the case. Also from an issuer perspective, there is more demand for e-commerce based ecosystems in European markets.

Despite the fragmentation in the European landscape, we believe that we are well-positioned and well-suited to tackle this fragmentation.

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When and how do you plan on launching the new iDEAL given that there is a lot at stake?

We have chosen a phased approach with an incremental rollout. The first transactions will follow the old protocol; the customers are only routed through our new platform. For that, we are running a pilot as we speak, as the first step towards the further deployment of the new iDEAL. As a next step, we will migrate from XML to API standards, enabling innovations like fast check out and value-added services, such as loyalty programs.

iDEAL is well-positioned and wellequipped to further deploy and develop QR code payment propositions, based on existing ones in the market. iDEAL QR codes were first launched in 2016.

How does Currence look at instant payments, do you see a role for iDEAL?

That’s another interesting debate. There are a number of cases where SCT (SEPA Credit Transfer) payments could be easily replaced by instant payments if the issuing bank is able to support instant payments. But is it necessary? It really depends, as we are open to whatever the QR codes are steadily gaining popularity as market demands. From a European pera payment feature in the Netherlands, how does iDEAL relate to this? spective, there’s quite a push for instant payments. It definitely has advantages for some recipients. However, there is Definitely. With the current iDEAL we alcurrently little demand from consumers. ready have quite a good proposition for QR. iDEAL QR codes are rapidly replacing From an iDEAL scheme perspective, we old-fashioned paper-based Acceptgiros, are mostly involved in the initiation of the payment and we are entirely compatible as an example. QR codes are also used with instant payments for the final settlemore and more in physical stores in adment to merchants. dition to or as a backup to point of sale card terminals.

Acceptgiro is a widely-accepted paper-based payment method which is made available by a creditor who is usually a business

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Interview iDeal

Daniel van Delft CEO, Currence

About Daniel van Delft:

About Currence

Daniel van Delft is the CEO of Currence, the product owner of payment brand iDEAL and three other brands. At Currence, amongst others, Daniel and his team oversee the development and implementation of the new iDEAL, with a completely new and improved API-based infrastructure, and a platform that allows partners to develop and launch value-added services for the iDEAL payment scheme.

Currence is the brand owner of the Dutch collective payment products iDEAL, Incassomachtigen (e-mandates), Acceptgiro (paper payment requests), and of iDIN, the collective digital identity service of Dutch banks. iDEAL is one of the most successful domestic payment methods in Europe: with well over 1 billion transactions in the past year, it is the dominant online payment method in the Netherlands, with a 71% market share in Dutch e-commerce payments.

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FinTech Magazine

® Seamlessly Simpler Check-out Experience... still, when will Facial Biometrics replace Traditional Payment Methods?

What has happened? Your grandfather was introduced to biometric technology through movies since the 1960s, and still, we have not embraced biometrics even today. Major successes we all recall from RoboCop (1987) who can identify people scanning a database, to “Minority Report” starring Tom Cruise brought up the idea of iris scanning. We dream of the future and often remain bound to existing frames we need to comply with.

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Features Pay by Face

L

et us review the bright side of considering living in the future today. today.

Facial biometrics:

• provide higher security standards than any other tools for payments using conventional passwords. (a. physical characteristics of a face are almost impossible to counterfeit, if including passive liveliness detection. Few providers like PayByFace® raised the bar adding b. geolocation cross-check and c. instant receipts push notification to allow user to challenge the transaction).

• became the preferred option for brick&mortar businesses as an enhancement of the user experience. Speaking of the convenience and ease of use, “over 90% of participants”, of Mastercard 2016 test(2), “said that biometric payment face authentication is something they could see themselves using on a daily basis”.

• is the less intrusive biometric technology to validate a person’s identity using their face and consideration is much higher than those of other biometrics.

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“Biometric facial authentication was overwhelmingly easy to use on its own (88%) and a clear majority found it even easier than password-based authentication (86%).”

• reduces friction in check-out transactions, making in-store shopping more convenient, while enhancing both payments and loyalty programs experience.

It helps to regain customers’ loyalty in a safe social distance by improving in-person interaction and re-establishing pre-crisis shopping behavior, particularly of the hyper-hygiene-conscious ones which require innovative approaches.

• integrity of the service that can be used at any time without friction (except if the user decides to go offline). The technology does not require any touch of the POS machine, it is faster, simpler, and more versatile than mobile payments or fingerprints verification.

• technology is relatively easy to incorporate into a current brick&mortar payment system and can bear extremely low costs and short time for implementation, allowing to capitalize on operational efficiencies.

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• high recurrent use of facial authentication transactions once used at least one time (>85% returning use according to a PayByFace® in EU test market report).

In China, where mobile payments are among the most advanced worldwide, more than 100 million people have registered to validate face payment transactions simply by posing in front of point-of-sale check-out machines fitted with cameras. Does it mean that the entire globe is prepared to adopt facial authentication payment?

PayByFace® Mobile POS

The major drawback to consider is data privacy, privacy there is a lot of data to store, secure, track and handle. So, what is the Convenience vs Privacy ratio?

First let us clarify the difference between Face Recognition / Identification that answers the question: “Who are you?” and Face Authentication which answers the question: “Are you really who you say you are?” in order to approve a payment related to your ewallet.

This misunderstanding is actually the reason why face biometrics are controversial.

Two types of risks have been identified: a. The use of biometric data to other ends; b. The risk of reuse of data presented for biometric checks captured during their transmission. A result is a person losing control over their data, which raises privacy risks. In practice, data protection authorities seem to give preference to solutions that feature decentralized data devices to large cloud databases.

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Feature Pay by Face

PayByFace®, a bootstrapped Amsterdam-based fintech startup, is one the very few biometric face authentication solutions to deploy a decentralized encrypted data network. Each of its biometric eWallet users are in full control of personal data; the system enables data to remain in the user’s mobile phone and converts the selfie into an encrypted biometric face template. It is called “cancellable biometrics,” a concept to meet two core points: a. data is encrypted before it is stored; and b. it can be easily deleted by the user. The encrypted number is distributed, only on user demand, within the PayByFace® proprietary network in the nearby area (data follows the user and its instructions).

For many, biometrics “may still not feel right”. For those that have tried and experienced this seamlessly simpler way of payment, there is no desire to revert to the old way. We’ve seen them asking why the biometric face authentication payments are not available everywhere?

We are used to accepting technology boundaries; if things are done in a certain way, we have to comply. This is why we carry cards, check for the phone app to touch and pay, and even easily twist our hand to validate payment with a watch. Technology is amazing and all the above seem high tech compared to cash, but even these may have the blue-rays story (short time fancy upgrade you do not use anymore).

But what happens when you are in the center?

The technology has to fully simplify your journey, and serve YOU.

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FinTech Magazine

Transforming Scare into Curiosity is a major step to accommodate the comfort of not even thinking of the logistics behind (do I have with me / enough / .. ) or the worry of theft / lost items. A boring check-out transaction can become a personal engaging conversation where increasing your loyalty is the only aspect that matters.

Break free from regular worries, from old habits of the past to enjoy simplified shopping and embrace convenience.

It’s like the Matrix option to freedom: “take the blue pill” and you will continue to pay by card or “take the red pill”, and wake up in a world where just being you is enough, you being in full control of your actions and privacy.

Get ready to enter the age of face authentication and bid farewell to complex hardware devices, cards, and even QR codes. Biometric face authentication for payments compares data for the person’s characteristics to that person’s biometric encrypted “template” to determine resemblance and validate a payment transaction.

Leave your card in a safety box (we mean all your cards, banking, and loyalty cards). Using the face as a highly secured virtual card for payments is not only faster and more convenient, it has enhanced security vs traditional payments, which barely rely on a PIN code.

Having a stolen, lost, or forgotten wallet, a cloned card, or no phone or watch battery will no longer be a frustration. Face biometrics will be chisel away all the worry in the process.

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Feature Pay by Face

Developed for over four years, PayByFace® ultra-scalable ondemand decentralized architecture has four safety cross-check points for authentication and transaction validation; fully GDPR compliant. A highly accurate machine learning biometric liveliness face recognition authenticates, even when wearing a masque, while user geolocation pre-set distribution area rejects all tentative transactions as the encrypted ID number is available only within a 20km range.

PayByFace biometric eWallet account benefits users by making “touchless” purchases with a selfie across the partners’ network, without cash, card, or phone; even more relevant in today’s Covid-19 context. Loyalty programs represent a precious tool for quality data, so the retailer-customer interaction becomes more personalized & valuable. The intrinsic gamification potential through PBF’s proprietary CRM software and out-ofhome digital signage content management network at point-ofsale is a significant improvement for the in-store customer engagement and loyalty level.

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Biometrics face authentication will build its mark on the world by doing something that was considered almost impossible a few years ago.

Biometric authentication has become the most reliable identification system to eliminate unnecessary cards, PINs, and passwords, however, its further acceptance depends on you choosing the “red pill”.

More information on PayByFace® can be found at the official website, https://paybyface.io/.

Follow the story on LinkedIn, Instagram, Twitter and Facebook to get the latest news and updates.

FinTech Magazine

Buy Now Pay Later: an Outlook on 2022 and Beyond with

The Buy Now Pay Later (BNPL) phenomenon was one of the most anticipated developments in e-commerce in 2021.

COVID-19 has accelerated the shift to everything digital in many different sectors, and e-commerce was no exception. We sat down with Nicolas Pelletier to discuss the latest developments in the sector and how providing white label BNPL solutions can transform the consumer experience.

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Feature Pledg

Pledg is providing white label BNPL solutions, what does this mean and what is the benefit for the merchant and consumer?

White label essentially means that we are enabling merchants to have their own BNPL solution and therefore prevent external payment apps from invading daily transactions. We’re providing both the technology and the financing that merchants need to provide the best BNPL payment experience to their users. One reason we are able to do so is that those merchants have a considerable amount of data on the customers, and thanks to that data, we can be very smart and very innovative in terms of assessing those people and enabling them to use BNPL accordingly.

How important is innovation for BNPL and can you provide examples of yours?

We truly started by being innovative online and offering a very smooth online BNPL experience. We achieved this by doing a number of things, for instance, without redirecting people to a third-party site, and with paying merchants through a virtual credit card.

We don’t add extra layers and we don’t create reconciliation. All those efforts translated into very good conversion rates. Now that we’re slowly getting past the pandemic, in-store shopping experiences are becoming more and more important to optimize.

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This is why we are investing a lot to come out quickly with, some very attractive solutions with the loyalty apps to stimulate people to utilize BNPL in stores with no contact. The amount these customers can spend is as I mentioned, determined based on the data we have on them.

“

Now that we’re slowly getting past the pandemic, in-store shopping experiences are becoming more and more important to optimize.

”

FinTech Magazine

You also offer white label services to banks. Does this differ from supplying these services to merchants?

This is in fact a new area for us that started by mostly getting inbound calls from banks. Naturally, we looked at those with great interest, and what we have been addressing is: some banks knocked at our door mentioning that they want to offer their own BNPL product to their B2B customers. These banks addressed that they haven’t built a BNPL platform or haven’t the resources to make it a reality at the moment, so they requested using Pledg’s BNPL platform as a white label solution where we integrate merchants and so on.

Ultimately this had led us to work on building a platform that can be easily licensed to third parties.

What does the future look like for BNPL in 2022 and beyond?

Taking France as an example, the usage of BNPL services currently stands at around five to six percent compared to usage rates of up to 25% in the north of Europe. This means that there is a huge potential for organic growth across France. And from Pledg’s perspective, we are well equipped to cater to that market. In regards to BNPL generally, I don’t see the market slowing down at all. That being said, there is obviously the extra bit of regulation that everybody expects, certainly in the European Union.

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Feature Pledg

Pledg is working with leading French and Southern Europe retailers, what’s the next step in your international development?

Our plans are to consolidate the south of Europe. We also think that there is a lot to be done in the Benelux region and the United Kingdom. We are currently also in talk with merchants in Portugal to explore more opportunities in that region.

ABOUT With the launch of Pledg, Nicolas Pelletier developed his talent to convince the biggest French companies to adopt BNPL. Above all, he is reconnecting with his passion for finance, this time bringing it up to date and accessible to all!

Founded in 2016, Pledg is a French fintech that offers white label Buy Now Pay Later solutions. Pledg supports merchants in their omnichannel payment strategy and helps them sell better online or in-store.

The company operates in different sectors (retail, tourism, ticketing, services...) in 10 European countries (France, UK, Germany, Belgium, Luxembourg, Austria, Netherlands, Spain, Italy, Portugal).

For more information: www.pledg.co 24 PaymentGenes #1 2022

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Feature by

How Fintechs can help save the planet

In the ever-evolving payments landscape, Fintechs have a unique opportunity to build corporate social responsibility into their core values. Sustainability needs to be a key part of this strategy, in order to resonate with the customers Fintechs are seeking to acquire. Eco awareness has reached an all-time high, and most companies in the payments ecosystem are responding to the new demands of consumers. That’s why G+D has stepped up and provided customers with a suite of eco-friendly products and solutions.

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Feature Giesecke+Devrient

The first choice is with eco-friendly card materials, such as recycled PVC, industrially compostable PLA (made from vegetable starches) and even an ocean plastics card! G+D is setting the bar high when it comes to the quality of eco cards, and some competitors are scrambling to try and match or come close.

So how can the humble Fintech play a part in helping the consumer make a positive contribution to the environment?

G+D also has a partnership with Parley for the Oceans, who provide the upcycled marine plastic waste that gets turned into the ocean plastics payment cards. We all know about the huge problems we are facing as planet when it comes to plastic pollution in our oceans. That’s why this card is so unique and has the potential to make a significant positive impact.

In addition to eco-friendly card materials, the issue of card disposal also needs to be addressed. G+D has now partnered with Mastercard in a recycling program that Fintechs can access and provide to consumers. Issuance is another area where the user experience can be streamlined, with ePINs and smarter on-demand collateral that minimises waste. This completes the phygital experience that consumers are accustomed to.

Once the consumer has the card in their hands, G+D has partnered with Swedish company Doconomy to help them

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FinTech Magazine

“There are significant impacts Fintechs can make on the environment by adopting sustainable practices.”

Rüdiger Vogt Head of Payments 4.0 at G+D

track their carbon emissions via the payments they are making. Using complex formulations, Doconomy provide this service in order to give the consumer full visibility into their carbon footprints, even offering options to mitigate emissions in-app.

Head of Payments 4.0 at G+D, Rüdiger Vogt states that, “Although Fintechs, banks and card issuers are not traditionally seen as heavy influencers on the climate crisis, there are significant impacts they can make on the environment by adopting sustainable practices.

Especially Fintechs, by virtue of their position as new, innovative market entrants, are expected to have a coherent, well-thought out sustainability strategy, and are also expected to have a product portfolio that delivers on that strategy. We at G+D fully embrace this challenge and work with Fintechs and banks shaping strategies to become leaders in the quest for environmental change. And we keep expanding our network of partnerships for sustainability.”

For more information on G+D products and solutions for Fintechs, check out this hub!

If you’re ready to take your solutions to the next level and make a positive contribution to the environment, get in touch today!

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Feature Giesecke+Devrient

How we do it?

We offer a complete range of solutions and services to support our Fintech partners in building innovative solutions for their customers.

Our award-winning digital payment solutions are enabling Fintechs with IoT payments, wallets and wearable technology – and we are best-in-class according to Juniper research!

Our premium personalized payment cards offer a range of options to customize and configure for true differentiation – like what we do for Fintechs when it comes to metal!

We also offer optimizing solutions for PIN delivery and printed material – as we do for many Fintechs with our issuance solutions!

When looking at how finance can go green, we have a whole suite of eco-friendly products and services to attract, engage and delight your eco-conscious customer, and make a positive climate impact – and we have the partnerships that make that extra difference!

Last but not least, in the Regtech space we support Fintechs with strong customer authentication and compliant onboarding to services – and we do it well!

With this said, the industry shift itself isn’t a value add. So just offering innovative services is not enough, they need to be seamless, secure and easy to use. And G+D is your partner to make it happen, and for your business to reap the benefits. Are you ready to scale up and offer next generation banking and payment solutions? Then get in touch!

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FinTech Magazine

About G+D

G+D has been at the forefront of advances in payment for over 160 years.

From printing the first banknotes for the central bank of Germany to inventing the Euro-cheque card, the company has developed industry-leading technology that is trusted by over 700 financial institutions around the world. By partnering with experts that are embedded in the fast-moving technology space, Fintechs can concentrate on their core mission, safe in the knowledge that they won’t have to play catch up with technology behind it.

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Author: Zivanovic Milly PaymentGenes #1 2022 29

Season 3 of PaymentGenes’ Podcast Series — Voices in Payments, covering The Future of Payments.

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