Publications

Position papers
23 May 2018

Regulatory Technical Standard on Strong Customer Authentication – New SPA Analysis and Position Paper – May 2018

1. Introduction On 13 March 2018, the regulatory technical standard (RTS) on strong customer authentication (SCA) w...

Position papers
23 January 2018

The Role of Identity in Digital and Virtual Currency Schemes – January 2018

Representing a great opportunity for financial innovation, virtual currencies represent a ‘natural fit’ with e- and...

Presentations
01 December 2017

HCE-cloud: recent evolutions in the original host card emulation concept & technology

Presentation at HCE Summit by SPA Representatives, Lorenzo Gaston, December 1st 2017, Brussels

Presentations
28 November 2017

Boosting the Adoption and Use of Digital Wallets

Presentation at Trustech by SPA Representatives, Xavier Larduinat, November 28th 2017, Cannes

Position papers
23 October 2017

SPA’s Position on the European Banking Authority (EBA)’s Consultation on the Draft recommendations on outsourcing to cloud service providers under Article 16 of Regulation (EU) No 1093/20101 – October 2017

Position papers
22 October 2017

Could Cooperative Competition Offer a Way Forward for Banks and Fintechs? October 2017

Coopetition or co-opetition is the buzzword for the concept of “cooperative competition” – a term that perfec...

Position papers
22 July 2017

Wearable Tech: A Growing Payment Opportunity – An SPA White Paper – July 2017

From watches, wristbands and jewellery to glasses and clothing, the popularity of wearable technology is booming. T...

Presentations
28 April 2017

Evaluating Instant Payments from a Card Industry perspective

Presentation at Instant Payment Systems Security by SPA Technical Director, Lorenzo Gaston, April 28th 2017, Brussels

Position papers
22 April 2017

Instant Payment Systems Security – An SPA Paper – April 2017

Instant payments persist as an issue in the retail payments industry – especially following the recent public...

Presentations
15 March 2017

Creating a competitive market for interoperable Mobile Wallets

Presentation at Mobile Wallets Summit by SPA Technical Director, Lorenzo Gaston, March 2015, London

Position papers
22 January 2017

Transitioning to a Cashless World – the Current State of Play – January 2017

Around the world, central banks are looking to replace cash services and escalate their country’s transition toward...

Position papers
22 December 2016

RTS ON STRONG CUSTOMER AUTHENTICATION – The SPA Position – December 2016

The RTS on SCA was released by the European Banking Authority (EBA) last August for a two-month public consultation...