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Fatemeh Nikayin

Co-Founder

Rivero

Member since

13 Sep 2021

Location

Zürich

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Fatemeh's opinions

The Next Phase for LLMs for RegTech and Payments

The integration of large language models (LLMs) like GPT-4 in regulatory technology (RegTech) and payment systems marks a new era in the financial sector. With their advanced language processing capabilities, these models have already generated a lot of buzz. They are set to revolutionise how financial institutions manage compliance, risk, custom...

17 January 2024 /payments /regulation Payments strategies 2015-2020-2030

Combatting Fraud in Payments: Essential Strategies for Issuing Banks Facing Dispute Challenges

In this rapidly evolving digital landscape, there has been an unprecedented proliferation of payment methods, each designed to cater to ever-evolving needs for convenience and speed. However, this hasn't come without its own set of complications – namely, the rise in payment disputes. As fraud rates surge at an alarming pace, it has become impera...

22 November 2023 /security /payments Payments strategies 2015-2020-2030

Merchant Disputes Unveiled: How Card Protections Measure Up Against A2A Payments

In an era where cashless transactions are the new norm, card payments have firmly established themselves as a preferred method. Still, the possibility of disputes remains. What are the most common dispute scenarios with merchants, and to what extent are customers protected compared to other payment methods, such as A2A? Understanding cardholder pr...

13 September 2023 /security /payments Payments strategies 2015-2020-2030

The Card Payments Value Chain Analysed (Part II)

Now that we have outlined the different parts of a card payments value chain, we can explore how issuing banks can optimise their value chain. How is the card payment value chain structured? And what are the challenges for issuing banks? As covered in the previous article, the card payment value chain consists of several parts. Traditionally, ba...

30 March 2023 /payments /retail Payments strategies 2015-2020-2030

The Card Payments Value Chain Analysed (Part I)

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...

27 February 2023 /payments /regulation Payments strategies 2015-2020-2030

The dangers of breaking compliance rules within the card payment schemes

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 ...

01 February 2023 /payments /regulation RegTech

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

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...

19 October 2022 /payments /retail SEPA and European Payments

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

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...

07 September 2022 /payments /regulation RegTech