ACQUIRING            
(1) Cross-border Acquiring – OMV in Multi-country  Deal with Euronet, Mar/Apr, p6 (CN).
(2) Portugal – Acquiring Deal Central to BCP-BPI Merger Clearance, Mar/Apr, p10 (CN).
(3) SEPA: Eastward Ho? Sept/Oct, p10. As the SEPA process opens up the EU’s national markets, the small scale of card operations in eastern and central Europe means that their attractions need to be kept in perspective.
(4) EuroConex Rebrands as Elavon, Nov/Dec, p8 (CN).

CARD MARKETS                           
(5) Germany – ec Goes Extra-Terrestrial, Jan/Feb, p5 (CN).
(6) Link and Voca to Merge, Mar/Apr, p5 (CN).
(7) Interchange – Approaching the Dénouement, May/June, p4 (CN). Plus: PSD Opens up European Payments to Non-banks (SB).
(8) Visa to Process Domestic Authorizations in Sweden, May/June, p5  (CN).
(9) Alternative Payments – PayPal Takes up Banking Licence in Luxembourg, May/June, p6 (CN).
(10) UK Debit Card Payments Set to Double, July/August, p4 (CN).
(11) Analysis of Costs of Payment from Visa UK, July/August, p5 (CN).
(12) Money Transfers – Citi Offers Fee-free service to UK Poles, Sept/Oct, p4 (CN).
(13) Transforming Europe’s Payments, Nov/Dec, p29. As globalization, regulation and M&A activity impact on European payments, there will be drastic restructuring of the market over the next five years – but the growth potential of non-cash payments is an incentive for banks to adapt and stay in the game.
(14) More Spin from DG Competition’s ‘Spokesman,’ Nov/Dec, p4 (CN).
(15) EMV Migration – Not Yet Half-way, Nov/Dec, p6 (CN).

CONTACTLESS PAYMENTS
(16) UK Roll-out in London, Jan/Feb, p24.
(17) March/April: Gemalto cards for MBTA initiative • ViVOtech deploys NFC with Taipei Fubon • HSBC in contactless payments pilot • G&D’s next generation • Netherlands NFC trial.
(18) May/June: National roll-out will follow  London contactless launch • New contactless programmes rolled out in Turkey • Swiss PayPass pilot • US vending companies push contactless • First PayPass watch in Turkey.
(19) Barclaycard Unveils OnePulse, July/August, p5 (CN).
(20) July/August: UK contactless – new projections • Pilot flies as ‘Pegasus Project’ • Visa payWave trial in France • Visa contactless cards in Taiwan • Via’s NFC licensing programme.
(21) Sept/Oct: German NFC ticketing trial expands • Poland set to roll-out m-payments • Ticket Text launches SMS ticketing with Ryanair • Citibank delivers m-payment service • SmartParking in Oulu.
(22) Nov/Dec: Mobilkom austria launches comprehensive NFC roll-out • Telstra, NAB and Visa to trial mobile NFC • Gemalto and Far EasTone in Asia’s first ‘Pay-Buy Mobile’ trial • TeliaSonera and Västtrafik test NFC in Gothenburg • Barclays in US contactless roll-out.

COUNTRY REPORT
(23) Wonder of the World, Jan/Feb, p16. Even without resorting to e-purse or contactless cards, Icelanders use their cards on average almost once a day, by far the highest level in the world. Is this a one-off achievement in a unique country – or are there lessons for the rest of the world?
(24) Must Try Harder, Nov/Dec, p18. Though the payment cards business in Italy has made great strides in recent years, the rest of Europe has moved on as well. Narrowing the gap in payments per capita is proving elusive.

COVER STORY
(25) Decisions for Issuers, Jan/Feb, p24. As EMV rolls out across Europe, issuers face a choice between static data authentication and dynamic data authentication, or DDA and SDA. While many banks migrate initially to SDA smart cards, most are likely to end up with DDA or its even more advanced alternative, CDA – combined date authentication.
(26) A Birthday to Forget, Mar/Apr p12. After years of easy growth, the UK credit card market has turned sharply – and card issuers are learning in a hurry how to manage through an industry downturn. Plus: The Regulators Move in (SB).
(27) The Big Question, May/June, p10. The merger and break-up proposals aimed at ABN Amro may signal a new phase in the long-awaited acceleration of cross-border banking in Europe. But there are few candidates to play the role of consolidator in the eurozone. Plus: Crédit Agricole: a pan-European player (SB) and UniCredit and SocGen, the Dream Team? (SB).
(28) The Way Ahead for Europe’s Third Scheme, July/August, p10. Initial expectations that banks would achieve SEPA compliance by migrating to MasterCard or Visa brands have been upset by the Belgian banks’ decision to shelve their planned Maestro migration. With the ECB beating the drum for a European debit scheme, what’s the way forward?
Shadow over the banks
(29) Shadow Over the Banks, Sept/Oct, p14. The Payment Services Directive is aimed at challenging the banks and shaking up the payments across Europe. So who wants to be the Ryanair of the payments industry?
(30) Tap and Gone, Nov/Dec, p10. Contactless cards are today’s potential success story, with the UK alone predicting 80 million contactless-enabled payment cards by 2011. But are they anything more than a sideshow on the high road to mobile phone payments?

CREDIT CARDS
(31) French Ban on Co-branding to End, Mar/Apr, p5 (CN).
(32) Turkey’s Credit Card Issuers Respond to Legislation, May/June, p6 (CN).
(33) New Ryanair Partnership with GE Money, Sept/Oct, p6 (CN).
(34) Store Cards – the End is Nigh? Sept/Oct, p6 (CN).

DEBIT CARDS
(35) Visa Europe – Accent on Debit Cards, Jan/Feb, p4 (CN).
(36) Sparda-Banks Migrate to Maestro, Jan/Feb, p4 (CN).
(37) EAPS Sets up New Company, May/June, p8 (CN).
(38) SEPA Potential for Decoupled Debit Cards, July/August, p6 (CN).
(39) Maestro Shelves SEPA Interchange Rate, July/August, p6 (CN).
(40) AIB Picks Maestro, July/August, p8 (CN).
(41) Austria Adapts to SEPA, Sept/Oct, p12. Though debit card payments per capita in Austria have almost trebled in the past 10 years, no end to the trend is currently in sight as new opportunities open up in low value payments.
(42) Debit Cards – Pressure Continues for Third Scheme in Europe,  Nov/Dec, p4 (CN).

E- and M-COMMERCE
(43) Jan/Feb: Firethorn for US m-banking and m-payments • Rabo Mobile in Holland • Visa Launches m-payments platform • Alliance & Leicester m-banking • Caisse d’Epargne’s ‘movo’.
(44) Peace Breaks Out, Mar/Apr, p20. Banks and telcos have called a truce in the long-running battle over ‘who owns the customer’ – and the way forward for developing mobile banking and payments is consequently clearer. Plus: PINs on Mobile Phones (SB).
(45) Mar/Apr: GSMA and MasterCard in global money transfer pilot • Vodafone and Citigroup in remittance venture • GSMA aims for global POS purchases via mobile • Visa and SK Telecom launch commercial m-payments service • Discover and Motorola in m-payments trial • Bank of America rolls out m-banking • First Data partnership with NCS.
(46) May/June: Collaboration is key to m-payments – Visa USA CEO • Mobile VPT sues Monitise • New US m-banking moves • Telefonica Moviles brings m-barcodes to Spain • Belgium launches m-payments • Citibank rolls out Citi Mobile.
(47) July/August: BofA completes m-banking roll-out • M-banking: beyond the buzz • Verizon rolls out m-payments • Wells Fargo, Visa in m-payment pilot • ViVOtech m-payments with mFoundry.
(48) Sept/Oct: German NFC ticketing trial expands • Poland set to roll-out m-payments • Ticket Text launches SMS ticketing with Ryanair • Citibank delivers m-payment service • SmartParking in Oulu.
(49) Nov/Dec: UK telcos resurrect Simpay with launch of ‘PayForIt’ • Turkish banks launch m-banking services • Belgium introduces SMS ticketing • Serbian national m-commerce standard • Monilink extends service to RBS • GSMA in money transfer agreement with Western Union.

FRAUD AND LEGAL AFFAIRS
(50) Card-not-present the Main Headache for UK Issuers, Mar/Apr, p4. Plus: Debit Card Fraud Alerts from Lloyds TSB (SB).
(51) Cartes Bancaires Action Dismissed, Sept/Oct, p4 (CN).

PAYMENTS PROCESSING
(52)  M&A Activity Continues, Jan/Feb, p6. Deals between SSB and Giro Bankcard, and between BBS and Teller.
(53) New Agreements in Europe for First Data and TSYS, Jan/Feb, p8.
(54) Nordic Processing – Latest Merger Moves Create Regional Duopoly. BBS and PBS merge, while Cekab is sold to EDB, Mar/Apr, p6 (CN).
(55) Swinging Singles, May/June, p16. All banks, without exception, are trying to cut costs – but the decision on whether or not to move to a single processing platform choice additionally involves some tough choices over outsourcing.
(56) Convergence Between Card Processors and ACHs, May/June, p5 (CN).
(57) Merging ACHs and Card Processors, July/August, p16. A single payment protocol for debit card payments and direct debits throughout Europe is increasingly a potential outcome of the SEPA process – but not everyone is convinced it’s a worthwhile goal.
(58) Card Processing M&A A – You Ain’t Seen Nothing Yet, Sept/Oct, p5 (CN).
(59) A SEPA Good News Story, Nov/Dec, p24. Most banks view SEPA as a politically-driven process which increases their costs and cuts their revenues. But detailed modelling suggests that potential cost savings through to 2016 could justify the investments required.
(60) VocaLink Deal with BGC – Swedish banks continue their drive for economies of scale, Nov/Dec, p6 (CN).
(61) Equens Links with ICBPI, Nov/Dec, p8 (CN).

POS TERMINALS
(62) Jan/Feb: Ingenico deals with Europcar and BBS • Eurobank goes with Hypercom • Certification for Kobil’s Kaan • Sagem’s French contracts • VeriFone contract with Polish post offices • Mobile transaction processing from Global Payments.
(63) Mar/Apr: Argos instals VeriFone’s Payware merchant system • Ingenico introduces ViewSafe for UK chip and PIN entry • Sagem Monétel success in Turkey with Banksoft • Russian Post selects VeriFone for national roll-out • Gaming terminals contract for Sagem Défense Sécurité • Payment in taxis from Thales e-Transactions • Hypercom wins Euro 6000 certification in Spain • Mobile terminals for Swiss Federal Railways.
(64) May/June: Ingenico deals in Russia and Latin America • Hypercom contracts • Sagem Monetel contract with Caja Madrid • Sagem Denmark to provide PINpads • Copenhagen rolls out Thales UPTs for parking • New VeriFone emerging market deals • First Data takes strategic stake in ViVOtech.
(65) July/August: VeriFone wins key approval as NYC taxis roll out card acceptance • Hypercom’s outsourcing plans • China POS terminal deals • VeriFone wins Canadian order.
(66) Nov/Dec: MasterCard tests GSM POS system • Ingram partnership with Samport • Taxis Bleus take Paris travel mobile • BBVA Bancomer selects Hypercom • Gemalto Linux certifications • Encore selects Way Systems • Bluetooth solution from VeriFone.

PREPAID CARDS
(67) Prepaid Cards Spreading into Europe, May/June, p32.
(68) July/August: Alliance & Leicester in prepaid card initiatives • TSYS processing deal with Norwich Union • Prepaid cards in Europe • Virgin Money’s ‘Pay As You Go’ card.
(69) Partnering to Make Prepaid Pay, Sept/Oct, p21.
(70) Sept/Oct: Italy, Europe’s leading prepaid card market • Expenses card from Alliance & Leicester • APS cashplus reaches  £100 million turnover • Barclays launches prepaid card programme • Capital One buys NetSpend • TSYS works with Lloyds TSB on money transfer card • Habib Bank’s e-money card.

PRODUCTS & CONTRACTS
(71) Jan/Feb: IDT launches instant issue prepaid cards • Belgians go for personalized cards • ACI’s Base24 for Wincor Nixdorf • Handelsbanken launches BankID • Printec alliance with Datawire • Euroline to acquire for Air France • Tieto e-banking suite for Entercard • AIB goes for Vasco • Visa requirements for powered cards.
(72) Mar/Apr: Visa’s recurring payments initiative • Alaric solution for Ukash • Atos processing for IHG • Crédit Agricole using Duet in Egypt • Bilesim certified for PCI • Compass Plus extends to UK • Cryptomathic certified for CAP • CUP in new European moves • First Data opens offices in Croatia and Poland • Fin-Force in Bratislava • Global Payments top-ups with Globus • OpenWay deal with KKB • TNS-Easynet in France • New Datacard printer • Vodafone Egypt launches top-ups • Sapphire SMS banking for US market • Mobile Financial Services survey results from Edgar, Dunn and MPW • West LB in SEPA project with ClickandBuy.
(73) May/June: Barclays and RBS offer chip and PIN card readers in the UK • First Data pays top price for Polcard • EPCA/ECR awards winners • Success for new Istanbul card exhibition • PBS signs acquiring agreement with CUP • Serverside links with PAYjr • V Pay contracts with Italian issuers • BPC solution for PKO BP in Ukraine • Avis Europe chooses CyberSource • Self-checkout on the rise • AC Milan credit cards for fans • MagTek-ID Data • MasterCard in credit cards deal with Lloyds TSB.
(74) July/August: Support from eurozone banks for VocaLink’s clearing service • Seceti allies with Equens and VocaLink • Thales HSM for UK faster payments • Dresdner renews First Data contract • Atos Worldline processing for GE Money Bank • Datacard links with Aconite • ATFBank chooses Experian • Galitt buys Smartdreams • Global Payments deals in Russia and Bosnia • New customer wins for Serverside • TowerGroup launches Vendor Selection Processor • Ukash deal with AllPay.
(75) Sept/Oct: First Data to take over Experian’s UK processing • Hypercom deal in Ukraine • Ingenico in merger talks with Sagem • Barclaycard renews TNS contract • Bank of Ireland’s ‘Two-In-One’ credit card • SmartVista for remote ATM management • Russian monoline selects TSYS • EFD agreement with SNS Bank • Moneris deal with Euronet Essentis • SiNSYS implements Fair Isaac Fraud Manager • Firstsource gains UK licence • G&D SEPA certification • Global Payments in Kazakhstan and Bosnia • Ingenico buys Planet • Mellon cooperation with Visa Europe • SmartSoft deal with CAL • FreeStar agreement with Spectra • TietoEnator and RSA partnership.
(76) Nov/Dec: New Shell MasterCard from Citi • Orange co-brand with BNP Paribas and Cetelem • Capital One’s World MasterCard • Russian first for First Data • BPC deal with DenizBank Moscow • Real-time bank account verification from Experian • Schufa partners with Fair Isaac • Integri qualified by EMVCo • Only 11% of merchants are compliant – PCI shock • Lukas insources with Postillion • MasterCard joins forces with Orbiscom • Microsoft system for MPS • Telekurs to buy 3C.