28 June 2016
Instant Issuance
Today’s consumers want their financial institution to offer services that align with their lifestyle, includi...
Publications
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28 June 2016
PIN by SMS
In stark contrast to today’s ultra-connected online lifestyles, the primary method for distributing credit an...
28 June 2016
Security is our DNA
The payment industry evolves, and complexity grows. As new operating systems emerge, security adapts. New applicati...
22 May 2016
Is there a case for the regulation of tokenization services – An SPA Paper – May 2016
The initiation of a card payment first requires the transmission of the card’s Payment Account Number (PAN) to the ...
22 April 2016
Contactless Payment Benefits & Worldwide Deployments – Food for thought for US issuers – April 2016
There is no question that contactless payment is becoming the new norm pretty much everywhere, with consumers eager...
22 April 2016
Investigating the myths and realities of contactless payment fraud – A Q&A by SPA – April 2016
There has been much recent coverage in the media (press, web, blogs….) about the perceived security vulnerabilities...
22 April 2016
Investigating the myths and realities of contactless payment fraud – An SPA Paper – April 2016
Contactless payment cards have been in the news for all the wrong reasons over the last few months. Phantom and dup...
22 January 2016
PSD2 – The SPA Position – January 2016
The PDS2 constitutes the core of the regulatory framework that is intended to re-shape the EEA retail payments mark...
22 December 2015
Is Host Card Emulation (HCE) the big enabler for Mobile Contactless Payments? – December 2015
An SPA Position Host Card Emulation (HCE) simplifies Near Field Communication (NFC) implementation by eliminating t...
22 December 2015
MIF Regulation: have you paid attention to article 10? – December 2015
MIF Regulation: have you paid attention to article 10? Requirement for Visual and electronic identification of the ...
22 July 2015
Strengthening Card Authentication: a migration to DDA – An White Paper by SPA – July 2015
First published in 2009, this SPA paper has been updated in 2015 to reflect the evolving technology and commercial ...
22 March 2015
How will we be paying in 2020 – The 12 Points by SPA’s Technical Director, Lorenzo Gaston
Presentation at EPCA Conference by SPA Technical Director, Lorenzo Gaston, March 2015, Brussels