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Connective Payments Insights

Connective Payments Insights

By Connective Payments, Value Creators in Payments

Connective Payments Insights is a series of spoken articles on various developments in the connected world of payments. They cover a range of subjects that are changing the payments ecosystem, such as CBDC, BNPL, PSD2 and other relevant regulations, sustainability, new technologies and new products and services in physical and digital payments.
They are aimed at payment companies, banks and FinTechs, retail and online merchants and if you want, the general public. These articles, selected from the "Insights" section on our website, are delivered to you by Connective Payments experts.
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Dutch debit cards go digital

Connective Payments Insights

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The rationale behind compliance on demand
The rationale behind compliance on demand
Whether you need to employ compliance specialists on a permanent basis depends on a lot of factors, such as the size and type of organisation, the product portfolio and relevant laws and regulations. In addition, the same questions are raised as with any Business Process Outsourcing (BPO) decision.  Compliance om demand, a service by Connective Payments specialists, is valuable because we have deep expertise in the payment industry, the right network of professionals needed in the process, as well as our commitment to adding value to our customers. We believe we can support payment organisations in overcoming their compliance challenges with the mentioned benefits of outsourcing.
05:21
December 07, 2022
Finally: a Dutch debate on the digital euro
Finally: a Dutch debate on the digital euro
Until recently, there was little public interest in CBDCs and the digital euro in particular. But in the Netherlands, criticism is growing of the technocratic nature of the process, which seems to take place largely outside the political arena. The subject also seems to be coming to life in the (social) media. Doubts are widely shared within the House of Representatives and mainly concern the lack of democratic control and the privacy aspects of the digital euro. On the other side of the spectrum, Dutch banks have their doubts: they wonder aloud what such a digital euro is actually needed for. 
12:36
November 29, 2022
Skandal! Bringing Down Wirecard 2022
Skandal! Bringing Down Wirecard 2022
The online payment processor Wirecard turned out to be a fraudulent money machine of a bunch of megalomaniac managers, who eventually got entangled in their own web. That sounded like the scenario of an exciting movie and sure enough: in September 2022 a smooth report of the demise of “the German version of Paypal” appeared on Netflix: Skandal! Bringing Down Wirecard 2022. This is our review of the documentary. In short: for those who have slowly forgotten the Wirecard story, and how the bubble finally burst, Skandal! Bringing Down Wirecard 2022 is a highly recommended thriller.
04:51
November 06, 2022
Sustainability in Payments
Sustainability in Payments
The pursuit of greater sustainability will transform many companies in the coming decades. Regulations have come into place to force businesses around the world to change their behaviour. Most of us are well aware that mitigating climate change and the depletion of the Earth’s resources is of the utmost importance for ourselves and for future generations. But acting on it is something else.  This article focusses specifically on sustainability in connection to the payments industry. We present a “Sustainability in Payments” framework comprised of three layers, “Comply”, “Act” and “Excel”, aimed to help financial institutions assess possible sustainability approaches. In this first article on sustainability in payments we specifically focus on one of those approaches, the “Act” layer, and we highlight a number of sustainability solutions that are available in the market.
20:35
September 26, 2022
E-krona: Europe's CBDC early adopter
E-krona: Europe's CBDC early adopter
The lightning-fast substitution of public money for private money, and the increasing popularity of cryptocurrencies, have raised concerns about financial stability worldwide. Given that cash in Sweden is fast becoming something of a tourist attraction, it’s not surprising that Sweden is leading the way in Europe with the e-krona project. Already in 2017, the Swedish Riksbank started a study on how the e-krona could be issued to the general public. This article summarises the technical infrastructure and the two-tier model that was tested in phase 2 of the e-krona pilot.
06:45
September 26, 2022
Are the risks of CBDCs exaggerated?
Are the risks of CBDCs exaggerated?
Central banks worldwide have to make many choices during the design and implementation of digital central bank money (CBDCs). It must be prevented that large amounts are transferred simultaneously from private to public money, which can lead to self-fulfilling effects and financial instability. A study by the US Treasury’s Office of Financial Research suggests that these risks of CBDCs may be smaller than they appear. There seems to be yet another tradeoff central banks have to consider: between maturity mismatch of commercial banks on the one hand, and the benefit of real-time information on the other.
05:50
September 25, 2022
What's cooking with the Dutch FinTech action plan?
What's cooking with the Dutch FinTech action plan?
Nearly two and a half years ago, the Dutch Minister of Finance launched the so called FinTech action plan to let FinTech companies grow faster and give opportunities to new companies. According to the plan, The Netherlands´ strong points are its digital infrastructure, attractive culture, English language, central location and high quality of supervision. The so-called FinTech census showed that supervision in the Netherlands is perceived as relatively strict compared to other countries, but that a Dutch license is therefore also seen as a stamp of quality. However, there is also room for improvement. Let’s take a look how things have turned out since the plan was published.
08:56
September 25, 2022
NEAR: P2P payments via ultra-wideband
NEAR: P2P payments via ultra-wideband
ING, NXP and Samsung have developed a method that allows smartphone users to pay among themselves via ultra-wideband. According to the parties, the method called “NEAR” is the first “peer-to-peer payment application” where users pay by holding the phone close to each other. Users therefore do not have to look up a username, e-mail address or telephone number first. In this episode of Insights, we tell you more about NEAR.
02:42
August 31, 2022
Dutch debit cards go digital
Dutch debit cards go digital
Most Dutch people will hardly notice it, but the new debit card that they will receive in the coming years has a new brand logo. V PAY and Maestro cards are being replaced by Visa Debit and Debit Mastercard cards. In this episode of Connective Payments Insights, we explain the changes and benefits for consumers and merchants, both online and in physical shops, and the strategic choices for issuers and acquirers. 
12:37
August 30, 2022