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Gareth Ellis

Are you losing sleep over interchange fee changes?

If you’re a European merchant acquirer, then I should think you are. In case you've not been following the conversations around the new regulations, here’s what we know already: The EU Commission c...

29 Jul 2014
Gareth Ellis

HCE: the decline of TSMs and the rise of NFC?

The news that VISA and MasterCard have decided to announce support of Host Card Emulation (HCE) appears to be one of those items you read sometimes where you suddenly realise that there has just been ...

20 Feb 2014
Gareth Ellis

Mobile payments begin at 40

With the mobile phone hitting 40 this week, it’s amazing to see how far it has come since the first model back in the 70s. With an estimated six billion mobile subscriptions worldwide, we’re seeing mo...

05 Apr 2013
Gareth Ellis

Collaborate to innovate

Reflecting on the three days of the EFMA conference, it seems collaboration has emerged as a key factor in driving further innovation in payments. Let’s take the example of mobile payments which has b...

14 Sep 2009
Gareth Ellis

Payments infrastructures - ready for change

Yesterday’s key topic at the EFMA conference in Paris clearly reflected the need for adaptability and innovation in the payments industry post credit crunch. Market drivers such as the post-recession ...

11 Sep 2009
Gareth Ellis

Disagreements over SEPA Cards Framework on first EFMA day

Heated debates between the European Central Bank, the European Payments Council and Visa Europe about interchange fees, timeframes around the SEPA Cards Framework and the emergence of a third European...

10 Sep 2009

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