Payments

Der Zahlungsverkehr in einer digitalen Welt: ein Spagat zwischen den immensen potenziellen Vorteilen und den neu entstehenden Risiken

Vor dem Hintergrund sich rasch entwickelnder Landschaften der digitalen Welt bildet der Zahlungsverkehr ein entscheidendes Element im Rückgrat unserer modernen Wirtschaft. Obwohl sich Banken und Kartennetze angesichts der digitalen Konkurrenz als bemerkenswert widerstandsfähig erwiesen haben, verändert sich die Welt. Heute sind Sofortzahlungen über Telefon, Apps, QR-Codes, schnelle Zahlungsnetzwerke und Hochgeschwindigkeitsinternetverbindungen für viele zum Gateway geworden.

Organisationen stehen vor einer Reihe von Herausforderungen, wenn sie das Potenzial des Zahlungsverkehrs nutzen wollen: Dazu gehören robuste Cybersicherheitsmaßnahmen zum Schutz vor Datenlecks und Betrug, die Navigation durch komplexe rechtliche Rahmenbedingungen, die von Land zu Land unterschiedlich sind, die Bewältigung von Interoperabilitätsproblemen zwischen verschiedenen Zahlungsplattformen und -systemen sowie die kontinuierliche Anpassung an sich schnell entwickelnde Technologien und Kundenpräferenzen, um auf dem Markt wettbewerbsfähig zu bleiben.

Bei INNOPAY verstehen wir die Komplexität und die Herausforderungen, denen sich Unternehmen in dieser sich schnell weiterentwickelnden Zahlungslandschaft stellen müssen. Zahlungsverkehr ist fest in der DNA von INNOPAY verankert. Dank unserer tiefgreifenden Branchenkenntnis und unserem innovativen Ansatz unterstützen wir Sie mit maßgeschneiderten Lösungen für Ihre spezifischen Bedürfnisse.

 

Verwandter Inhalt

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Blog
Bridging the gap to digital assets – A call for openness to change
In recent years, the conversation surrounding digital assets* has evolved significantly. At INNOPAY, we have been engaging with this space with an open mind, seeking to understand the potential applications of this ecosystem on a case-by-case basis. From the philosophical discussions about Bitcoin as a store of value, to practical ap...
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6 Ways that corporate credit cards help SMEs to manage liquidity
In the rapidly evolving financial landscape, small and medium-sized enterprises (SMEs) face diverse challenges in managing liquidity effectively. Corporate credit cards are increasingly recognised by bigger companies as a valuable financial tool, but many SMEs are still not fully aware of their comprehensive and valuable capabilities in t...
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Digital assets: the road ahead in 2025
As we embark on 2025, it’s an opportune time to reflect on the transformative events of 2024 and look ahead to this new year. The past year marked the advent of a new era for digital assets, with institutional adoption reaching unprecedented levels, driven largely by the launch of Bitcoin exchange-traded funds (ETFs) one year ago. This fo...
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Blog
Bridging the cash flow gap: How SMEs can overcome liquidity challenges
For small and medium-sized enterprises (SMEs), cash flow is the lifeblood of operations. However, liquidity challenges remain a persistent issue, affecting growth, stability and even survival. Studies show that over 60% of SMEs struggle with cash flow gaps, largely due to delayed payments, seasonal demand fluctuations or unexpected expens...
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Publication |
Blog
How e-invoicing mandates in Europe are opening the doors to embedded lending
The introduction of e-invoicing mandates in the EU is driving substantial changes in the B2B ecosystem, particularly for SMEs. As e-invoicing becomes the standard, SMEs will increasingly adopt software to manage various business processes, including contracting, invoicing and payment. This is enhancing the availability and accessibility o...
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Publication |
Article
The Instant Payments Regulation: Key initiatives and changes
The Instant Payments Regulation (IPR), which entered into force on 8 April 2024, will have consequences for all payment service providers offering SEPA payments, both inside and outside of the Eurozone. In this blog, INNOPAY’s Linda Geux, Martine Nau and Tim Gillieron highlight six key areas affected by the IPR. The authors explore the br...
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Publication |
Blog
How to prepare for the new MiCAR crypto rules
June 2024 marks a watershed change in crypto regulation, with the Markets in Crypto-Assets Regulation (MiCAR) going into effect across the European Union (EU). MiCAR is the first framework of its kind to regulate crypto assets, related activities, and services.MiCAR aims to establish more certainty within the often-volatile crypto market ...
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Publication |
Article
Hot off the press: the new INNOPAY Open Banking Monitor report
The latest edition of the INNOPAY Open Banking Monitor report is now available, containing a round-up of Open Banking API offerings and developer experience features available from financial institutions across the globe plus a selection of articles summarising the major trends over the past year. Benefit from these insights into the key ...
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Publication |
Blog
INNOPAY’s 7 key dimensions of mastering Open Finance maturity
Open Finance is growing rapidly as financial institutions continuously launch new APIs and improved developer portals to extend third-party access to financial products, services and customer data. However, there is more to Open Finance than that. INNOPAY has developed a comprehensive model covering seven key dime...
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Blog
Rising interest in decentralised finance among top financial institutions
INNOPAY research indicates that almost half of the world’s top 150 banks are now investigating services based on decentralised finance (DeFi). This reflects rising interest in exploring possible benefits of integrating DeFi innovations within traditional banking frameworks. The evolution is collectively propelled by factors such as improv...
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Publication |
News
INNOPAY launches Embedded Finance Radar
Unlocking value precisely at the point of need. That is exactly what embedded finance (EmFi) is about. EmFi transforms decoupled customer journeys into seamlessly integrated experiences within non-financial, digital platforms that matter in the daily lives of consumers and businesses alike. EmFi covers a broad range of financial products ...
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Publication |
Blog
Quo vadis Open Banking in der DACH-Region?
Marktführer bauen ihren Wettbewerbsvorteil weiter aus Digitale Mehrwertangebote im Bereich von Finanzdienstleistungen haben einen starken Aufschwung erlebt, der durch viele Faktoren beschleunigt wurde. Dazu gehören unter anderem regulatorischer Druck (zum Beispiel die PSD2), Veränderungen des Kundenverhaltens, die zum Teil auf COVID-...
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Blog
Open Insurance ist bisher noch ein zahnloser Tiger … aber durch die verpflichtende Öffnung wird sich dies bald ändern
Open Insurance ist der wichtigste Treiber skalierbarer Möglichkeiten bei eingebetteten Versicherungen. Seit Einführung des Open Insurance Monitors im Jahr 2021 haben wir jedoch kaum Anzeichen dafür gefunden, dass Open Insurance bei den Akteuren der Branche ganz oben auf der Agenda steht. Die Landschaft entwickelt sich weiterhin langsam un...
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Publication |
Blog
Scenarios for IBAN/name check for instant payments and beyond
The legislative proposal on Instant Payments (SCT Inst) by the European Commission (EC) is set to have considerable impact on Payment Services Providers (PSPs), as outlined in our previous blog. One effect of this legislative proposal will be to make the IBAN/Name check mandatory in order to reduce fraud in instant payments. Under the pro...
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Publication |
Blog
Instant payments legislation is rapidly approaching… are you ready?
Since the SEPA Instant Credit Transfer (SCT Inst) scheme became effective in November 2017, it has seen great success in some countries. For example, major PSPs in the Netherlands collectively introduced instant payments in 2019 and they have positioned it as ‘the new normal’. This means that all consumer-to-business (C2B) and peer-to-pee...
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Blog
Implementing instant payments: 7 high-impact areas for PSPs
In our previous blog, we introduced the recent legislative proposal by the European Commission (EC) on mandating instant payments for all payment service providers (PSPs) across the SEPA area, and outlined its implications for PSPs.In this blog, we aim to provide key insights into the impact of implementing SEPA instant payments (SCT Inst...
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Publication |
News
European Commission publishes impact assessment study on PSD2
The European Commission (EC) published its study on the impact of the Payments Service Directive 2 (PSD2) on 2 February 2023. This is the most recent development in the EC’s mandatory review process aimed at reflecting on the achievements, shortcomings and impact since PSD2 entered into force in 2016. Various organisations were asked...
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Publication |
Video
Insights into what the crypto transformation means for payments professionals
Crypto assets and their infrastructure are set to transform the payments industry. In a video with media platform The Paypers, INNOPAY’s Douwe Lycklama says that the change brought about by crypto will primarily happen behind the scenes. “It will be much like the transformation of the telecom industry, from analogue to digital through VOI...
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Publication |
Article
Three scenarios for open banking-based request-to-pay
There are a growing number of request-to-pay (RTP) use cases, beyond the popular P2P transactions. This article looks at the differences between the two most prominent models: SEPA RTP (SRTP) and Open RTP (ORTP). With the future for RTP propositions being somewhat unclear now that both models are co-existing, we examine three possible hig...
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Publication |
News
INNOPAY ernennt Mounaim Cortet zum neuen Country Manager DACH
INNOPAY hat Mounaim Cortet zum neuen Country Manager für die DACH-Region ernannt. Seit dem 1. Mai 2022 ist er für das operative Geschäft und die weitere Marktentwicklung in dieser Region verantwortlich. Mounaim ist seit 2012 bei INNOPAY tätig, unter anderem als Strategy Director und Global Lead für Strategie- und Open-Finance-Beratungsle...
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Publication |
Blog
Will China’s Central Bank Digital Currency ever have its Olympic moment?
The Winter Olympics in Beijing were not just a showcase for the world’s best athletes. The event was also an international testing ground for China’s new digital currency – the digital yuan (or e-CNY) – and reinvigorated the interest in its Central Bank Digital Currency (CBDC) plans. Rather than focusing on the functional payment aspects ...
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Toekomst van Betalingsverkeer
Event | |
Beurs van Berlage, Amsterdam, The Netherlands
Future of Payments
For 20 years, the annual conference Future of Payments has been the meeting...
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Topic
PSD2
Open Banking wird digitale Erfahrungen transformieren, um Kunden einen Mehrwert zu bieten und ihm Kontrolle über seine Daten zu geben.
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Topic
Lizenzierung
INNOPAY unterstützt FinTechs bei der Vorbereitung eines Lizenzantrages sowie beim Erwerb und Erhalt der Lizenz auf effiziente Art und Weise.
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Topic
Open Banking
Erhöhung des Kundennutzens durch Open Banking, indem der Zugang zu Bankressourcen über Application Programming Interfaces (APIs) bereitgestellt und im Ökosystem optimal eingesetzt wird. Wir unterstützen Banken bei der Transformation von PSD2 und Open Banking. Finden Sie heraus, wie.
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Publication |
Blog
Instant Payments makes data the new game for Corporate Treasury
The role of the corporate treasurer will change significantly with the transition towards an open, digital and data driven economy. Partially motivated by regulatory push (eg PSD2, GDPR), organisations are increasingly adopting new business models in which data is shared 24/7 to better respond to instant customer demand. This requires tre...
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Publication |
Blog
Orientierungshilfen auf dem Weg zur PSD2-Lizenz
Die überarbeitete Zahlungsdiensterichtlinie der Europäischen Union (EU) (PSD2) wurde im Januar 2016 als Aktualisierung der PSD 1 (2007 verabschiedet) verabschiedet und führt zwei neue Lizensierungstypen ein: Zahlungsauslösedienste und Kontoinformationsdienste. Neue Akteure in der Finanzbranche und etablierte Unternehmen (z. B. Banken, E-G...
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Publication |
Blog
Open Banking Monitor (OBM) 2019: let’s take a moment to make up the rankings and identify potential new “Masters in Openness”
Looking back on a much eventful year in Open Banking; various banks have updated their Developer Portal in the last quarter of 2018, either by expanding the Functional Scope, by offering more APIs, or by introducing tools and features improving the Developer Experience. Predominantly with the shared goal of attracting more end-customers, ...
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Publication |
Blog
Seamless, Uber-like payments, brought to your bank account
Towards the first pan-European Open Banking based scheme Imagine you’re taking an Uber at the airport, get to your destination and while you’re getting out of the Prius … ping… you receive a push notification from your bank that says € 32,78 was debited from your payment account. The full Uber experience, but no cards or wallets needed.&...
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Publication |
Blog
Unlocking opportunities in the API economy
This article was published in collaboration with Deutsche Bank. Market disruption, client evolution and regulatory change mean that the banking and corporate world is preparing for an API and Open Banking revolution. Making a success of it will require both collaboration and standardisation.
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Publication |
Blog
Banks should open-up beyond PSD2 to deliver on the innovation promise
We all know by now that “XS2A” - access to payment accounts by third party providers (TPPs) - is going to happen in some shape or form under PSD2, but there is still considerable uncertainty. The transposition of PSD2 into national law is being delayed in twenty member states[1] and while the Regulatory Technical Standards on Strong Custo...
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Publication |
Blog
PSPs in Europe: How to stay afloat in choppy waters
For many years, PSPs have had relatively easy pickings, charging significant markups to online merchants for handling their payment traffic. A large variety of players entered the market. In Germany, ±60 PSPs are active, and in the Netherlands 120 players either hold a license or are specifically exempted from license duty to act as PSP. ...
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Publication |
Blog
Banks need to change their perspective to realise customer centricity
INNOPAY values clients as much as anyone else. Hence, we fully understand the urgency that is felt throughout the sector to become more customer centric. However, most existing operating models are so much intertwined with the DNA of corporate banks that it has proven to be almost impossible to fundamentally renew. Today’s conventional ap...
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Publication |
Blog
EBA RTS: Three key business implications for bank decision makers
The European Banking Authority’s (EBA) has published its long-anticipated draft Regulatory Technical Standards (RTS) on ‘strong customer authentication and secure communication’ on 12 August. The RTS are considered key to achieve the PSD2 objectives of enhancing consumer protection, promoting innovation through competition and improving t...
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Publication |
Blog
PSD2 XS2A: What you need to know about the Discussion Paper of the EBA
Following the adoption of the revised Payments Services Directive (PSD2) by the Council on 16 November 2015, the European Banking Authority (EBA) has published its long anticipated Discussion Paper on ‘strong customer authentication [1] and secure communication’ on 8 December. The Regulatory Technical Standards (RTS) on strong customer a...
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