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The POS terminal market has been shaken by the growth of Asian integrators and the arrival of the mPOS a few years ago, is it now endangered by the SoftPOS concept? The mPOS has been originally developed as a means to reach small merchants, which did not have the means, or the business flow, to justify the acquisition of a regular POS terminal. The first mPOS had the inconvenience of supporting only magstripe reading, nowadays mPOS support Chip and PIN and are certified to th

Visa used to say: “cash is dirty, cash is cumbersome, cash is expensive.” Nowadays, many I the payment industry consider card payments regulated by Visa and its equivalents are too expensive. The payment industry being always creative, many are looking for ways to reduce transactions fees. In Europe, alternatives to card payments develop: SEPA payments provide a full array of solutions that are bringing innovation in the payment ecosystem. SEPA basic operations: SEPA Credit T

Not only Europe and the United States have different regulations about data protection, they also have a totally different mindset. The European approach is often to make the whole industry meet to set up standards and regulations beforehand while the North American approach is to let the market develop and then expect the judicial system to set up jurisprudence to establish rules of conduct if needed. The EU has adopted RGPD and enforced it for the last four years. While the

We are facing an unprecedented increase in ransomware attacks. News about victims come daily and show no business area is left immune. Reactions to ransomware abound, driven not only by software vendors but also by insurance companies, government bodies, trade associations, etc. For instance, some of the most publicized ransomware attacks over the last few months include the Red Cross, Nvidia, Toyota, Costa Rican government services and Shoprite, a supermarket chain in Africa