(2) MasterCard to Appeal against OFT Decision, Sept/Oct, p8 (CN).

(3) Visa Europe’s Van der Velde on V Pay, SEPA and Regulators, Nov/Dec, p6 (CN).

CARD MARKETS

(4) Nordic Venture Between Barclaycard and Swedbank, Mar/Apr, p8 (CN).

(5) Strategic Credit Card Alliance Between NTT DoCoMo and Japanese Issuers, May/June, p5 (CN).

(6) Bank of American buys MBNA, July/Aug, p5 (CN).

(7) ‘Berlin Group’ Set Up to Counter Visa and MasterCard, July/Aug, p6 (CN).

(8) UniCredit-HVB Deal Creates New CEE Card Market Leader, July/Aug, p8 (CN).

(9) Cards Bearing Gifts, Nov/Dec, p29. Prepaid and gift cards have been a big hit in the US and now, led by UK banks and retailers, they are developing into a multi-billion market in Europe as well.

(10) De Nederlandsche Bank ­ Study on Encouraging Card Payments, Nov/Dec, p4 (CN).

CARD PROCESSING

(11) Data Dominators, Jan/Feb, p26.Transmission of data from merchant POS terminals to processor host systems is dominated in the US by TNS. Increasingly active in Europe, TNS faces increasing competition in north America from Hypercom.

(12) First Data deals in Germany and Italy, Jan/Feb, p8 (CN).

(13) TSYS Wins ABN Amro Credit Card Contract, Mar/Apr, p8 (CN).

(14) First Data on the March, July/Aug, p4 (CN).

(15) Consolidation Continues in Europe and FSU, Sept/Oct, p6 (CN).

(16) Visa Europe ­ Processing System Upgrade to Meet Debit Growth, Sept/Oct, p5 (CN).

(17) First Data Frontrunner to Buy GZS, Nov/Dec, p4 (CN).

CONSUMER LENDING

(18) Pan-European Picture, Jan/Feb, p19. Five big players have emerged as leaders in the European consumer lending sector, where the landscape is characterized by big differences in the propensity to borrow country-by-country.

(19) Activity Steps up in ‘New Europe’, May/June, p21. Interest in setting up credit bureaux is running at a high level across eastern Europe and the countries of the former Soviet Union, fuelled by the rapid growth of consumer lending in the region

(20) New Control Structure for Cofinoga, May/June p6 (CN).

(21) FSU Credit Bureaux Association Launched, July/Aug, p6 (CN).

CONTACTLESS PROGRAMMES

(22) MasterCard and Visa to Share Contactless Protocol, Mar/Apr, p28. Plus: A Short History of PayPass (SB).

(23) Providing for Acceptance, Sept/Oct, p21. Contactless roll-outs by the biggest US card issuers ­ JP Morgan, Citibank, American Express ­ are coming thick and fast in the US, and pilot activity in Europe is likely in 2006. But with the focus on issuing, what’s happening on the acceptance side of the market?

(24) Oyster E-money Project, Sept/Oct, p26.

(25) US Issuers Roll out Contactless Cards, Sept/Oct, p26.

(26) Contactless Goes Nationwide in the US, Nov/Dec, p36

(27) A Tale of Two Contactless Cities, Nov/Dec, p38

(28) Meijer Turns to VeriFone, Nov/Dec, p40.

COUNTRY REPORT

(29) Slow Progress, Jan/Feb, p21. Consumer expenditure in Germany remains dominated by cash, while cards account for only a small proportion of electronic payments. Plus 4 tables.

(30) Carving up Turkey, Sept/Oct, p18. Though Turkish banks have lifted cards issued to one per person, most are in need of foreign investment ­ and hence this year’s deals by GE, UniCredit and other western banks. Plus 5 tables.

(31) Russian Revolution, Nov/Dec, p18. Changes to the Russian tax code have stimulated the growth of real revolving credit cards ­ and issuers from Sberbank to Citibank, have launched co-branded programmes. Plus 4 tables.

(32) China UnionPay Looks for European Partners, Nov/Dec, p8 (CN).

COVER STORY

(33) Mobile Future, Jan/Feb, p10. Fuelled by aggressive pricing and innovative technology, new ‘always on’ wireless POS terminals have the potential to more than double the number of card-accepting merchants over the next five years. Plus: Way To Go (SB).

(34) EMV Pioneers, Mar/Apr, p10. UK banks are the world pioneers in nationwide roll-out of EMV chip and PIN infrastructure. Despite fears to the contrary, the programme has been accepted by the public and has rolled out according to plan.

(35) The Next Big Thing in Payment Terminals, May/June, p10. With POS terminals continuing to be the most dynamic sector of the payments infrastructure market, attention is now focusing on the unattended sector. Plus: A Question of Requirements (SB).

(36) Star Performers, July/Aug, p12. MasterCard and Visa have been around even longer than some of the performers in Live8, but their ability to carry on rocking remains undiminished. Plus: 7 tables and Notes and Definitions (SB).

(37) Flaws in Central Acquiring, Sept/Oct, p12. Though central acquiring enables one single acquiring relationship across an entire company network, few pan-European retailers take advantage of it ­ so why isn’t the system working?

(38) Completing EMV, Nov/Dec, p10. Though there’s now a 2010 deadline for EMV completion, banks say they need more detail ­ and retailers say the banks can’t force them to accept EMV cards

DEBIT CARDS

(39) Visa launches V Pay, Jan/Feb, p5 (CN).

(40) Halifax Launches Cashback Debit Card, Jan/Feb, p8 (CN).

(41) Dutch Retailers to Sue Interpay for ¤200 million, Mar/Apr, p5 (CN).

(42) New Dankort Tariffs Imposed, Mar/Apr, p5 (CN).

(43) MasterCard Launches Cash2Go Pre-paid Maestro, May/June, p6 (CN).

E- and M-COMMERCE

(44) Simpay Gives Launch Details, Mar/Apr, p30,

(45) M-payments in Belgium, Mar/Apr, p30.

(46) May/June: Australian banks introduce mobile solutions • Citibank trials NFC with Nokia • CepBank mobile cash transfer • First Data joins industry forums.

(47) Internet is Fastest-growing Payments Category ­ Visa Europe, May/June, p8 (CN).

(48) Protecting Databases, July/Aug, p30. Retailers need to comply with the PCI Data Security Standard, set up by MasterCard, Visa and other payment systems to protect consumers’ financial data.

(49) Mobile Payments ­ Life after Simpay, July/Aug, p8 (CN).

(50) Sept/Oct: South African M-banking Rolls out • UK Mobile Banking • T-Mobile and GE Roll-out in Hungary, Sept/Oct, p28.

FRAUD

(51) UK Card Fraud Hits Record High, Mar/Apr, p5 (CN).

(52) UK Gains from Chip and PIN, Nov/Dec, p42.

(53) US Signature Debit Fraud, Nov/Dec, p42.

INTERCHANGE

(54) Down Under, Jan/Feb, p16. Aggressive action by the Australian Reserve Bank to reshape the  domestic payment system has had unintended consequences ­ but rather than back off, the regulator is attempting to extend its powers.

(55) The Great Debate, May/June, p17. Regulation of interchange is evolving differently in Australia, the EU and the US. A top-level conference in Santa Fe, New Mexico, looked at all the angles. Plus: The Santa Fe Conference (SB) and Harvey on Interchange (SB).

(56) Spain’s Interchange Shock for Banks, May/June, p4 (CN).

(57) Intervention by EU Authorities is “Misplaced” ­ New Report, May/June p4, (CN).

INTERVIEW

(58) Hans van der Velde, Visa Europe president and CEO: Keeping Profitability in the System, Jan/Feb, p6 (CN).

PRODUCTS & CONTRACTS

(59) Jan/Feb: Diebold ATM contracts with French retailers • Middle East contract for ACI • Ascom’s Paris and Toulouse contracts • DUET for Uzbekistan • SMS alerts in Lebanon from CTL • ID Data keyfobs for Tesco • Oberthur consolidates UK market share • SEB Kort contract with Rahaxi • Retail Logic partners with Point International • Garanti in Vx deal with VeriFone • Axalto joins VSB • Pointsec security solution • VeriFone launches new service • Bell ID joins Multos • eFunds to acquire ClearCommerce • ReD patent re-examination.

(60) Mar/Apr: Ingenico wins in Turkey • Lipman launches UPT initiative • Retail Decisions solution for French tollways fraud • Kazakhstan launches national card payment system • Tieto system for BankServiss • Streamline approval • Oyster payments • Contract wins for Austria Card • SiNSYS collaboration with CSC • Chip and PIN at the bar • Inside partnership with Axalto • GPRS box from Planet • New business for EuroProcessing • Consult Hyperion-RFID Global.

(61) May/June: ACI fighting fraud in Mauritius • CTL solution for HVB Bank Hungary • IBM teams with Fair Isaac • OpenWay achievement with HP • Provenir launches ‘Bureau Manager’ • SocGen’s i-Transfert • First Data-TNS • TI-PayPass.

(62) July/Aug: Hypercom UPT contract with Shere for UK rail travellers • Cross-border service from Erste Bank • OTP renews ACI licence • First V Pay transactions in France and Greece • Barclaycard-VbV •  G&D partnership with KNC • Hypercom joins Visa Smart • Logic Group contract • SETIB multi-currency service with OpenWay’s WAY4 • Sagem Denmark • Contactless system for Connexxion • TietoEnator-Zaba • Biometrics deal • VeriFone deal with Thomas Cook • Essentis deal • TSA buys S2 Systems • Gemplus contactless readers • Dione adds GPRS functionality • Serbia upgrades with Nomad.

(63) Sept/Oct: Sberbank shareholding in BGS Smartcard • Asia/Pacific acquiring alliances for HSBC and HBOS • HoloMag from American Banknote • ACI deal with ING Direct • BAWAG signs with Muzo • Bell-Tieto in Bulgaria • CTL in Dubai • Fair Isaac Debt Manager • G&D contracts in Italy and Finland • Individual cards from GHP • Nomad in Romania, Latvia • Nordea selects ClearPark and EDB for card processing • OpenWay succeeds in Oracle test • EastWest Consortium wins Denmark contract • TSYS expands in Portugal • APS and Western Union prepaid cards.

(64) Nov/Dec: Euronet acquires Instreamline from Piraeus Bank • Experian buys Romanian credit bureau • Standard Chartered mobile banking with Meridea • ACI-Setefi • New Amphenol reader • Clear2Pay buys EFT • CTL in Qatar deal • Essentis deal with NBE • Hypercom terminals for Visa in Russia • ID Data sets up Polish plant • Approval for Ingenico • ReD buys Fuelserv • New Illumina launch by VBi • T-Mobile-Postbank • TSYS Europe update • Fair Isaac-HSBC.

SEPA

(65) ECB Attacks “Woefully Inefficient” Banks, Jan/Feb, p4 (CN). Plus: SEPA Success Potential: Benefits to a Private Citizen (SB) and Sydbank Sells PBSI Stake (SB).

(66)  SEPA Must Not Be a “Technocratic Utopia,” Mar/Apr, p17. Banksys CEO calls for SEPA to be built with, not against, the national processors.

(67) Next Steps in SEPA, Mar/Apr, p21. As the concept of a Single Euro(pean) Payments Area (SEPA) evolves, Europe’s banks and interbank organizations will need to decide how compliance will be extended to Europe’s patchwork of domestic card schemes.

(68) EC Threat to Impose Terms, Mar/Apr, p4 (CN).

(69) SEPA Card Framework Gives Power to the Banks, Sept/Oct, p4 (CN).

(70) Driving the SEPA Train, Nov/Dec, p22. With the SEPA Cards Framework now published, banks and card schemes are turning their attention to different scenarios for implementation and project management.

(71) SEPA ­ Tumpel-Gugerell, Round 2, Nov/Dec, p6 (CN).

TECHNOLOGY

(72) Smart Cards, May/June p32. Nordic smart card players prepare for battle • Slower growth for smart card industry • Samsung’s dual interface chips • G&D and Trüb offer two applications on single platform • Cryptomathic partnership with Bull • ID Data in Poland move.

(73) POS Terminals, May/June p34. Ingenico booming in Spain • Intellect makes crime pay • Logic Group network upgrade • Barclaycard approval for VeriFone and Yespay • Hypercom deal in India.

(74) East-West Contrasts, July/Aug, p18. While European issuers are rolling out single application EMV cards, there is a much greater appetite for multi-application cards in Asia, particularly in Korea, Malaysia and Taiwan.

(75) Microsoft at the POS, July/Aug, p21. Terminal manufacturers have an innovative competitor to contend with ­ and the new kid on the block turns out to be Microsoft. Its true intentions remain to be seen.

(76) Cardholder Authentication, July/Aug, p26. CAP will follow EMV ­ MasterCard • Todos wins ABN Amro and SpareBank orders• Banka Koper-nCipher • HSBC takes Vasco’s Digipass • Xiring partnership with Cryptomathic.