8th January 2016

8th January 2016
  • Mobile and e/m-Commerce
  • Contactless
  • Payment Data
  • Digital Banking
  • Fintech
  • M&A
  • Cashless Society
  • Regulation


Bango expands its relationship with Microsoft. http://tinyurl.com/h2h5cxg

The partnership enables carrier billing across all Windows 10 devices.

Yap Kredi launches wallet in Turkey. http://tinyurl.com/h52gqle

The Wallet enables purchases at any contactless terminal with an Android NFC device.

MasterCard is looking to leverage wearables with Coin partnership.


Coin will provide hardware and software technology that integrates with the MasterCard Digital Enablement Service (MDES) and can be embedded into devices to enable manufacturers to implement payment functionality into their consumer products.

Samsung Pay is looking to expand reach to US e-commerce.


Ofcom International Communications Market Report 2015.


Report http://tinyurl.com/zcdrfks.

See particularly 6.1 Key market developments in internet and online content.


Payments UK has released data saying one in 10 card transactions are now contactless.



EMVCo data indicates one in three of all card-present transactions undertaken globally between July 2014 and June 2015 used EMV chip technology.


97% of all card-based payments used EMV technology in Europe Zone 1 while in the US EMV chip payments accounted for less than 1%.

Full data at http://tinyurl.com/oz9pup9

Payments UK has release the full Quarterly Statistical Report Q3 2015. http://tinyurl.com/hotre2k

and commented on trends in payments and expectations for 2016.



See M&A below.


EY Fintech Adoption index 

http://tinyurl.com/zu8x256 http://tinyurl.com/zd9a9ax

Index is based on survey in Australia, Canada, Hong Kong, Singapore, the United Kingdom and the US looking at the overall rate of FinTech adoption.


Groupama and Orange are seeking to create a 100% mobile “Orange Bank”. http://tinyurl.com/zkarrq5

If negotiations are successful, Orange will acquire a 65% stake in Groupama Banque. The plan is to launch “Orange Bank” in early 2017 in France, followed by other European markets such as Spain or Belgium. Initially Orange will be looking to leverage its 28m French users.

Meanwhile Orange is also talking to Bouygues Telecom on a possible consolidation move. http://tinyurl.com/h3agpr3

PayPoint has sold its Online Payment businesses – PayPoint.net and Metacharge – to Capita for £14m. http://tinyurl.com/hay7u4x

The Mobile Payments business still has to be sold.


Going cashless in Sweden. http://tinyurl.com/odwkgxs


PSD2 – The revised Directive has been published in the Official Journal of the European Union.

A copy of the Directive is available at http://tinyurl.com/j4d3g86

Industry Videos

Dutch cashierless store trial

ING is working with supermarket chain Albert Heijn and US AiFi on a cashierless store trial.

Users gain access by scanning their debit card, with cameras and ‘smart shelves’ tracking purchases and automatic payment on exit. Similar to Amazon Go but does not require an app.

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