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Three years since the launch of PSD2 – where is Open Banking now?

Three years since the launch of PSD2 – where is Open Banking now?

January of this year marked the three-year anniversary of Payment Services Directive 2 (PSD2), and while Open Banking is still arguably in its infancy, it’s proving to be an attractive opportunity for fintechs and banks to work in partnership. The fundamental benefits of Open Banking – improved customer experience, new revenue streams, and a sustainable… Read more…

Switch to Issuer vs Switch to Acquirer

Switch to Issuer vs Switch to Acquirer

Welcome to the Pollinate’s ‘Fintech Deepdives’, a series of informative articles and blogs about some key issues in merchant payments. There’s a vast quantity of change happening right now. The global pandemic accelerated a switch to physically remote payments (both online and in-store); regulatory pressures to improve how merchants verify and authenticate the payment identity… Read more…

Sink or swim: What the profitability of neobanks means for incumbents

Sink or swim: What the profitability of neobanks means for incumbents

Traditional banks face a new dawn, in which they’re required to prove themselves as viable competition to more agile and innovative newcomers to the industry. Until recently, challenger banks such as Monzo and Revolut have faced criticism from more established players – and even the Bank of England. Despite enhanced customer service, faster decision-making, and… Read more…

Is the COVID-19 crisis the perfect catalyst for banks to change?

Is the COVID-19 crisis the perfect catalyst for banks to change?

The banking industry is one rife with competition. Not only are banks competing against their fellow incumbents, but they’re also at risk of losing chunks many of their revenue-generating products to new entrants. Banks, generally, aren’t known for their agility, but they do play a fundamental role in the modern economy, supporting businesses and consumers… Read more…

Apple looks to turn smartphones into payment terminals

Apple looks to turn smartphones into payment terminals

Silicon Valley continues its foray into payments last week, with Apple buying Canadian start-up, Mobeewave for $100m. The company, based in Montreal, builds software that allows smartphones to become payment terminals without any additional hardware or accessories and includes huge Android handset manufacturer, Samsung as an earlier investor. If rolled out, this would allow Apple… Read more…

Bank & FinTech Partnerships Supporting Small Businesses

Bank & FinTech Partnerships Supporting Small Businesses

At the moment, there’s an explosion of complexity in payments. Payments businesses have yet to solve that complexity for merchants. JONATHAN HUGHES, CO-FOUNDER, CEO POLLINATE HORIZONS. What is a FinTech Partnership? FinTech partnerships are allowing a mutual ground to benefit from each other’s strengths — this is the main factor as to how they differ… Read more…

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