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Alexander Mifsud

Support non-acquired suppliers to shift the needle on card payments

Commercial card payments have failed to take off, despite significant potential benefits for suppliers, buyers, and card providers. Today, only some 2% of global business spend is captured on card. Ne...

09 Dec 2016
Alexander Mifsud

Are interchange economics the largest barrier to commercial card usage?

The benefits of commercial card payments seem clear enough. Buyers can streamline their Procure to Pay process, drive working capital benefits and access rich transactional data. Suppliers can improve...

18 Nov 2016
Alexander Mifsud

The battle of three for banking supremacy

Everyone knows that just a few years ago banks owned the financial sector. The only way to pay, transfer and save money was via a traditional bank. The reign of the banks was maintained principally d...

02 Feb 2016
Alexander Mifsud

Payment predictions for 2016

The payments industry is currently going through a period of rapid transition, driven by the pace of innovation, new forms of competition and weightier regulation. 1. Interchange fees will shake up ...

22 Jan 2016
Alexander Mifsud

Banks, don't be scared of prepaid, but do it right

JPMorgan Chase may well be missing a trick here. There is a LOT of money to be made in prepaid. MasterCard is putting the global growth of the prepaid market as a whole at 27% CAGR – it’s already a bi...

16 Jan 2014
Alexander Mifsud

Finovate: Searching for the elusive 'proven innovation'...

The inaugural Finovate Europe that took place in London a week ago certainly sparked a lot of opinions, both online and on the conference floor. Regardless of how innovative or otherwise you considere...

08 Feb 2011
Alexander Mifsud

Can banks compete with PayPal?

Yesterday I listened to a talk from PayPal at one of Europe’s largest online innovation and developer conferences, LeWeb. The company was incredibly bullish about the online ecommerce market and expla...

09 Dec 2010
Alexander Mifsud


Rumours have been rife over the past month about a potential deal between Google and PayPal that would see the latter powering the payment system on the Android Market. Last week an announcement about...

01 Nov 2010
Alexander Mifsud

A more open approach to innovation

The recent Finextra webcast on retail banking innovation caused some a debate from various industry experts. The general consensus seemed to be that banks are severely constrained in terms of how much...

30 Sep 2010
Alexander Mifsud

Who's next in online payments innovation?

The web is currently awash with innovations to monetise social networks and digital business. Google has continued its buying spree by acquiring Jambool which means that it can integrate virtual curre...

13 Sep 2010