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Rivero AG

Fatemeh's blog archive

2023 (2) 2022 (2)
Fatemeh Nikayin

Fatemeh Nikayin

Co-Founder at Rivero
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Bio Co-founder of Rivero AG, a Swiss Fintech on a mission to simplify card payment processes. Career History Strong background in payments & research, with international experience in consulting banking digitalisation projects.


Payments strategies 2015-2020-2030

The Card Payments Value Chain

27 Feb 2023

On first inspection, the card payments industry appears to be a mismatch of service providers covering similar functions. However, each firm has an important role in the card payment process. From customer sales to transaction bookings, a breakdown of the card payments value chain is overdue. Locking Down the Customer The crucial first step in the...



The dangers of breaking compliance rules within the card payment schemes

01 Feb 2023

Card payment operations is a highly regulated industry, with a core aspect being compliance with license rules (scheme rules and regulations) of international payment networks (e.g. Mastercard, Visa) and the management of scheme fees and interchange rates. Compliance is only becoming more complex, and the ever-changing requirements often demand a ...


SEPA and European Payments

Pay by Bank- prioritising consumers and merchants interests remains a challenge

19 Oct 2022

Account-to-account transactions, otherwise known as ‘pay by bank’, is a fast growing payment trend that leverages existing payment infrastructure and new open banking protocols to securely make a transaction. Thanks to its low fees and high security it's becoming a popular payment topic, but some pressing issues could come to light as the technolo...



Card scheme compliance is becoming harder than ever – here’s why!

07 Sep 2022

Maintaining compliance is crucial to any financial institution’s ability to provide services – yet this must be balanced with investing in innovative capabilities that allow for service improvement, market expansion, and customer service improvement. This balancing act is particularly challenging in this part of the world: according to Lexis Nexis...