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Richard Warren

Richard Warren

Partner at FirstPartner
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Bio I am a partner at FirstPartner Ltd, a specialist research and consulting company serving payments and related technology based sectors. We specialise in delivering market insight and taking products and services to market. Recent work has focused on PSD2 implementation, authentication, open banking, account to account and B2B payments and contactless transit ticketing deployments.



Will £100 spend limit change UK consumers’ perception of contactless?

15 Oct 2021

Contactless payments have become a major success for the payments industry. Over the last couple of years contactless has been almost universally welcomed and embraced by UK consumers, and (perhaps more grudgingly in some cases) by merchants. Even the “strictly cash only” market stall where I buy my weekly fruit and veg got a SumUp contactless rea...



Supporting Merchants with PSD2 SCA as the EBA Sticks To the Deadline

31 Mar 2020

In a statement released on 25th March, the European Banking Authority (EBA) has confirmed that, for the moment, the December 31st 2020 enforcement deadline for PSD2 Strong Customer Authentication (SCA) remains in place. This is despite the universal disruption caused by the COVID-19 pandemic. The confirmation comes at the end of a wider set of re...



Why PSD2 SCA is a Challenging Journey for the Travel Sector

04 Oct 2019

The decision by many regulators not to enforce PSD2 Strong Customer Authentication (SCA) on electronic payments on 14th September has given valuable breathing space to e-commerce and payments players. However, the travel and hospitality sector will find compliance extremely challenging even with the benefit of proposed 18 month managed implementat...


Financial Services Regulation

Why the payments industry needs to act quickly on the EBA’s latest PSD2 SCA Opinion

28 Jun 2019

On Friday 21st June the EBA published a new Opinion Paper on the elements of strong customer authentication (SCA) under PSD2 which has been subsequently been backed up a by confirmatory statement from the European Commission. This opinion has significant practical implications for issuers, acquirers, card schemes and local regulators currently wo...