CARD MARKETS

(1) EuroConex Doubles European Network with Citibank Deal, Jan/Feb, p6 (CN).
(2) China – New European Partners and TSYS Deal for CUP, Jan/Feb, p5 (CN).
(3) Emerging Markets – M&A Activity in Ukraine and Romania, Jan/Feb, p5 (CN).
(4) Germany – ec cash to Go Cross-border, Jan/Feb, p8 (CN).
(5) Interpay to Merge with Transaktionsinstitut, March/April, p8 (CN).
(6) Switzerland – GE Money Co-brands with Migros, May/June, p6 (CN).
(7) No so Ezy, July/August, p8. Seven years ago, Commonwealth Bank of Australia joined with Woolworths to shake up banking down under, but the results have been disappointing to both parties.
(8) European Card Schemes – Changes at the Top, March/April, p4 (CN).
(9) UK Card Market – Happy Birthday, Pity about the Figures, July/August, p8 (CN).
(10) Sberbank Gives More Detail on Proprietary Card Plans, July/August, p10 (CN).
(11) Nordic Cards – New Developments at EnterCard and PBS, Sept/Oct, p6 (CN).
(12) Barclaycard Fights UK Credit Card Market Decline, Sept/Oct, p6 (CN).
(13) Visa Europe Retains Association Status, Nov/Dec, p4 (CN).

CARD PROCESSING

(14) First Data Confirms GZS Acquisition, Jan/Feb, p8 (CN).
(15) First Data in Outsourcing Talks with Barclaycard, March/April, p5 (CN).
(16) Experian Pulls Out of UK Market, May/June, p5 (CN).
(17) Atos Origin Buys Banksys and BCC, July/August, p6 (CN).
(18) TSYS Expands with Card Tech Acquisition, July/August, p31.
(19) Equens Formation Shakes up Dutch Processing, Sept/Oct, p4 (CN).
(20) First Data Wins pan-European Contract with Société Générale, Nov/Dec, p5 (CN).
(21) Warburg Pincus Buys easycash, Nov/Dec, p6 (CN).


CONTACTLESS PAYMENTS

(22) Moving Towards an EMV Standard, Jan/Feb, p25.
(23) March/April: MasterCard launches PayPass in Europe • RBC to offer Speedpass with debit in Canada • Vodafone D2 enters NFC transit market in Germany • Discover moves straight to mobile.
(24) Oyster E-money Goes Back in Its Shell, May/June, p5 (CN).
(25) PayPass Roll-outs on New York Subway and with Garanti in Turkey, July/August, p24.
(26) July/August: JCB extends contactless QuicPay • G&D and Nokia services for mobile NFC.
(27) Public Transport Operators Warm to Outsourcing, Sept/Oct, p5 (CN).
(28) Sept/Oct: Stadium boost for PayPass and NFC • JCB credit card in KDDI phones • Japanese e-payment brands collaborate.
(29) Nov/Dec: New PayPass trials in Europe • Bank of America targets contactless vending • FONA launches contactless credit card • MasterCard in US NFC phones trial • New York City mobile trial • Oberthur’s mobile contactless offer • TI shapes new contactless forms • Visa Wave arrives in Latin America.
(30) NXP and Sony Combine in Joint NFC Venture, Nov/Dec, p8 (CN).

COUNTRY REPORT

(31) Spain Tackles EMV Terminal Upgrades, March/April, p20. Though domestic issuing is on the back-burner, Spain’s banks are going full steam ahead to migrate their POS terminal base to chip.
(32) Dinars Club, July/August, p18. Once the most advanced cards market in the socialist bloc, Serbia went into reverse during the years of civil war and sanctions. Driven by European bank capital, its cards industry is recovering strongly.

COVER STORY

(33) Consumer Lending Stars, Jan/Feb, p10. Though cross-border retail banking has been slow to emerge, even within the eurozone, several financial groups are well on the way to developing pan-European consumer lending businesses.
(34) The War on Cash, March/April, p12. Banks and card schemes are setting up a new campaign under the SEPA banner to drive cash out of the financial system. Perhaps predictably, they have failed to find any common ground with retailers.
(35) Retailers Miss Banking Goals, May/June, p10. Though retailers once threatened to take banking away from banks, selling financial services has proved much harder than many anticipated. Plus: ICA Banken – the Swedish Model (SB) and Banque Accord’s Discount Strategy (SB).
(36) SEPA Standards, July/August, p12. The SEPA Cards Framework identifies four domains for interoperability, including the EMV cards-to-terminal interface. How important are the others – and when will they be realized? Plus: SEPA Standards and Working Groups (SB).
(37) Card Form Factors, Sept/Oct, p12. Non-standard cards are an increasing feature of marketing by innovative issuers – and indications are that they can drive higher POS expenditure as well.
(38) Early Movers, Nov/Dec, p10. Early movers in the pre-paid card business are targeting on-line, corporate benefits and travel segments.

DEBIT CARDS

(39) Opportunity for the Banks, Jan/Feb, p18. A personal view on the challenge facing debit card schemes, as they prepare to comply with SEPA, from the former chairman of Switch (S2) in the UK.

E- and M-COMMERCE

(40) Internet Payments, Jan/Feb, p28. Retailers ignore new security rules.
(41) May/June: DoCoMo offers mobile credit services • LUUP launches m-payments • G&D and MasterCard in OTA m-payments.
(42) Sept/Oct: Mint SMS payment service • Banks and Telenor cooperate in Norway m-payments.
(43) Banking the Unbanked, Nov/Dec, p19. Mobile banking in the emerging world – and particularly in Africa – has the potential to bring the market economy to subsistence communities for the first time.
(44) Nov/Dec: Vodacom launches SA credit card • French P2P mobile money service • Telefonica Móviles plans NFC trial in Europe • Coca-Cola vend via mobile.

FRAUD

(45) Card Fraud – UK Benefits from Chip Migration, March/April, p6 (CN).
(46) MOTO Behind CNP Rise, May/June, p10. The UK EMV roll-out is complete, card fraud is beat. If only it were that easy. Plus: Mobile Phone Potential (SB).
(47) Shell Halts Chip and PIN Acceptance at UK Forecourts, May/June, p4 (CN).

INTERVIEW

(48) “CB”: Complying with SEPA, Jan/Feb, p17. Giles Guitton and Yves Randoux of Groupement des Cartes Bancaires warn that that the harmonizing objectives of SEPA could be undermined by the diversity of EU national legal systems.

LEGAL AFFAIRS

(49) Mixed Response to the New Legal Framework, Jan/Feb, p3 (CN). Plus: Negative Reactions from BdB and ESBG (SB).
(50) NFC Patent Dispute, Nov/Dec, p6 (CN).

PAYMENT SYSTEMS

(51) The Cashless, Cardless Society, March/April, p6. Over the next five years, retail payments will change radically because of disruptive influences from micropayments and contactless payments as well as biometrics, RFID and NFC technologies.
(52) Pressure for Third Scheme, Sept/Oct, p20. The prospect of card payments in the SEPA region dominated by MasterCard and Visa is causing concern at the ECB and European Commission.
(53) SEPA and SAPA, Sept/Oct, p24. There are striking parallels between the consolidation of payment networks in the US over the past 20 years into a single American payments area and the similar crunch coming in Europe as a result of SEPA.

POS TERMINALS

(54) Jan/Feb: Ingenico’s iPod-compatible POS terminal • Swiss ep2 certifications • Lipman orders • Hypercom Nordic deals • Banksys’ Xentissimo.
(55) March/April: Fujitsu in M-POS launch • Ingenico deal with NTT Data • Hypercom compatible with IBM • VeriFone contract with ICICI • Thales scores with hybrid products • Taxis go mobile with Thyron.
(56) May/June: First Data sets up Europe-wide POS management service • Logic Group-National Express • Way’s new wireless terminals • Hypercom: smallest wireless POS terminal • PBS launches Denmark’s first mobile chip • Provenco into India.
(57) July/August: VeriFone solution for FNB • VeriFone upgrades Dutch McDonald’s • Ingenico POS terminals for Norway • Provenco’s first European deal • Hypercom in Finland with Rahaxi.
(58) Sept/Oct: Sagem Monetel targets Turkey • VeriFone deals • Hypercom contract with El Corte Ingles • Duke of Uke is UK’s millionth • Ingenico integrates SNMP protocol • First Data launches FD-100 terminal • Parkeon’s chip and PIN • Lipman Chinese orders • VeriFone Mauritius contract.
(59) Nov/Dec: Hypercom wins Ukraine contract • VeriFone outlines growth strategy • ‘thebusinessphone’ M-POS • .Avantix Mobile in UK roll-out • Ingenico i3070 contactless PINpad • Thales delivers 250,000th Artema Compact • Sagem Monetel grows outside France.

PREPAID CARDS

(60) The Long Term Challenge, Sept/Oct, p29. To date media and bank interest has focused on the consumer side of prepaid. However, ignoring the corporate and public opportunities will place players at a disadvantage.

PRODUCTS & CONTRACTS

(61) Jan/Feb: Axalto to supply Carte Bleue gift cards • DnB NOR launches MasterCard prepaid cards • EDB deal with Handelsbanken • BRD to use eFunds • Isbank protection with Kobil • Nomad prepaid solution • Sage acquires Verus • TietoEnator FSU contracts • Findomestic outsources to TNS • New card form factors • ACI Monétique • Collis test suite • LINK joins with Voca on UK infrastructure.
(62) March/April: Garanti launches Flexi Card in Turkey • Dual interface card patent dispute • Sberbank goes mobile with Visa • Vakif deal with Axalto • Pay By Touch launches in the UK • Bank Zachodni WBK deal with Nomad • Paysafecard expands • TietoEnator contracts in Latvia and Ukraine • TNS buys Comms XL • Pago to offer giropay.
(63) May/June: EPCA/ECR awards – the 2005 winners • V Pay takes another step • ACI projects in Greece and UK • HSBC scores with Experian • Fair Isaac deal with SiNSYS • Axalto contracts • DnB NOR buys Paynet • First Data’s ValueLink contracts • Global Payments in Russian venture • ReD deal with Morrisons • Fortis buys from Sagem Orga • Postbank TAN receives TÜV stamp • Barclaycard International links with CTL.
(64) July/August: ValueLink in France • MasterCard upgrades authorization processing platform • Experian buys Eiger • Sagem Orga and Gemalto win CB approval • Axalto wins Vitale contract • G&D deal with Fineco • Voca completes system upgrade • Alaric fraud solution for UK Faster Payments • Pan-European cooperation between UniCredit and T-Mobile • Monilink goes global with BT • LINK stake in PrePay • Atos to process Morrisons fuel cards • TNS in Romania.
(65) Sept/Oct: Atos offers German banks instant processing • BA renews CyberSource contract • euroConex moves into gift card processing • OTP acquires Euronet ATMs • First Data to manage ATM networks • Vasco and Xiring contracts • Trüb contract with BW-Bank • TSYS contract with Toyota • Visa alert for rogue merchants • Visa and “CB” improve card auditing • TeleCash refund service • G&D supplying RBS • MasterCard debit fraud tool.
(66) Nov/Dec: MasterCard’s second-biggest European customer account – MCDS • New product launches from Datacard • Serverside image checking • Ural Sib Social Card • 3M launches clear credit cards • Euronet contract with Alaric • G&D launches instant issuing system • Kreditkort in Multos deal •
Atos credit processing • Biometrics for Citibank • Bank of Ireland chooses Experian • Gemalto’s CardLikeMe • Global Payments buys Diginet • MagTek teams with ID Data • mToken for Bank Leumi • Sagem Orga contracts • TNS responds to BT move • S1 and Fundamo sign OEM • Equifax-Siran.

SEPA

(67) Looking for a Helping Hand, March/April, p6 (CN). Most banks are seeking SEPA compliance via Visa and MasterCard.
(68) Belgian Banks Go with Maestro, May/June, p6 (CN).
(69) SEPA – the Political Context, plus: Majority of Banks Expect SEPA Legislation, July/August, p8 (CN).
(70) Potential for SEPA Compliance and Migration, Sept/Oct, p9 (CN).
(71) ECB Expresses ‘Deep Concerns’ over SEPA, Nov/Dec, p4 (CN).

SMART CARDS

(72) New CPA Specification, Jan/Feb, p20. The latest extension of EMV will help first-time smart card issuers the most.
(73) Asia’s New Wave, May/June, p21. In countries where EMV migration is complete, banks are working out what to do next with their chip-enabled platform. Contactless and mobile payments are top of the list. Plus: EMV in Asia (SB).