Latest opinions that Richard Warren has shared on Finextra

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Richard Warren

Partner

FirstPartner

Member since

18 Sep 2014

Location

Reading

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Richard's opinions

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

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...

15 October 2021 /security /payments

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

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...

31 March 2020 /payments /regulation

Why PSD2 SCA is a Challenging Journey for the Travel Sector

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...

04 October 2019 /payments /regulation

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

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...

28 June 2019 /payments /regulation Financial Services Regulation

Will Blockchain Based Remittance Struggle to Deliver?

A recent report from Citi’s Equities Research team challenges the widely held view that Bitcoin delivers simpler and cheaper international remittances. While the analysis highlights some key Bitcoin remittance limitations, it should not be assumed that these apply to all blockchain or Distributed Ledger Technology (DLT) based solutions – or marke...

18 July 2016 /payments