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The Voice of Payment Institutions across Europe

Reports & Studies

  • 11.12.2017

    Acapture White Paper on PSD2 and Marketplaces

    Acapture, a Payvision company licensed by DNB that is more focused on alternative payments, is delighted to share with you its latest White Paper on PSD2 and Marketplaces. 

  • 22.11.2017

    Acapture country infographics 2017

    Acapture, a Payvision company also licensed by DNB that is more focused on alternative payments, is delighted to share with you its latest country infographics. 

  • 05.04.2017

    Payvision White Paper: Future Trends in Consumer Behavior

    On 31st March Payvision launched  latest white paper, Future Trends in Consumer Behavior.

    This paper aims to educate retailers on the preferences of our largest and youngest consumer base, millennials and generation Z. The data shows that digital natives still value in-store shopping as much as domestic and cross-border ecommerce, so omnichannel will be even more important to merchants by 2020, and beyond.

    They’ve explored the latest tech that will facilitate consumer behavior:

    • VR and AR to unite online and in-store experiences
    • Blockchain for real-time cross-border payments
    • Machine learning and AI for personalization through data

    And lots more!

  • » Download (PDF, 372.57 kB)
  • 24.10.2016

    Elavon White Paper:Embracing the Economy of Things

    EPIF is delighted to share with you a White Paper produced by Elavon UK. "Embracing the  Economy of Things"

    This White Paper is about how "Internet of Things" will shape the ways business buy and sell. 

    » Download (PDF, 263.41 kB)
  • 12.09.2016

    CONTACTLESS: A convenient way to pay

    EPIF is glad to share with you an informative leaflet on the contactless payment solutions and their use prepared by the EPC.

    » Download (PDF, 74.49 kB)
  • 16.06.2016

    VocaLink White Paper: SCT INST: IS IT SEPA 2.0?

    VocaLink, an EPIFobserver, has published a White Paper on Instant Payments. The White Paper explores what will happen to SEPA after Instant Payments becomes a reality. It considers how Instant Payments may eventually become the "new normal! for Europe or "SEPA 2.0", how this convergence to SCT Inst will affect the stakeholders and what levers there are to guide and tune the convergence process.


    » Visit website » Download (PDF, 547.97 kB)
  • 11.12.2015

    PayVision White Paper: Profitable Omnichannel Retail

    PayVision, an EPIF member, has shared with us their latest White Paper on Proftable Omnichannel Retail which provides an honest assessment of omnichannel which recognises that, despite the hype around the topic, the practical implementation is proving more difficult and merchants are less enthused. 

    For more insight on omnichannels, provided through interviews and case studies, as well as realistic advice for SMEs, the White Paper can be downloaded here.

  • 04.11.2015

    PayVision Infographics: Online shopping cross-border ecommerce - Thailand

    PayVision has produced a series of infographics on online shopping corss-border ecommerce in specific countries. This factsheet reflects the ecommerce market in Thailand.

  • 22.10.2015

    PayVision Infographics: Online shopping cross-border ecommerce - Israel

    PayVision has produced a series of infographics on online shopping corss-border ecommerce in specific countries. This factsheet reflects the Israeli ecommerce market.

  • 22.10.2015

    PayVision Infographics: Online shopping cross-border ecommerce - Colombia

    PayVision has produced a series of infographics on online shopping corss-border ecommerce in specific countries. This factsheet reflects the Colombian ecommerce market.

  • 15.10.2015

    PayVision Annual White Paper: Key Business Drivers in Cross-Border E-Commerce

    PayVision, an EPIF member, has published its Annual White Paper on  Cross-Border Ecommerce. The White Paper, which is the result of a collaborative and comprehnsive study with CardNotPresent.com, explores the business drivers and opportunities for online merchants to pursue a seamless international business.

  • 10.04.2015

    Payvision White Paper: Preparing Your Organization for Cross-border Ecommerce

    Payvision, an EPIF member, has produced a White Paper exploring the specific factors that online merchants should take into consideration when expanding globally to take advantage of the potential of international online ecommerce. Such factors include understanding the cross border customer and meeting regulatory requirements.

  • 03.03.2015

    ACAPTURE White Paper: Payments Optimisation

    This paper explains the ways in which merchants can simplify payments optimization processes. The paper takes into account credit cards as well as the increasing number of alternative payment methods to determine which generate the best conversion rate results.

  • 25.02.2015

    Payvision blogpost: The basics of European Regulation and Public Affairs in payments

    Ignacio Gonzalez-Páramo provides an insight into European Regulation and its impact on the way the payments business is driven by most of the players in the European payments ecosystem. In the video, Mr. Gonzalez-Páramo describes ways in which to tackle the regulatory landscape which is considerably biased by regional and local regulations.

  • 09.02.2015

    Payvision White Paper: International Expansion into Emerging Markets 2014

    The white paper presents the results of a collaborative study by Payvision, a member of EPIF, and CardNotPresent.com which indicate a general reluctance by Western merchants to tackle emerging markets in the East. From these results the white paper identifies and explores the key business drivers and opportunities in cross-border E-commerce for online merchants in emerging markets.

  • 02.02.2015

    Payvision blogpost: Predictions on payments industry evolution 2015

    This blogpost provides, in a short video, an analysis of the facts and trends in the payments market in 2014 and predictions for the upcoming trends in 2015. Gijs op de Weegh, COO of Payvision, explains the impact these trends would have on merchants, PSPs and acquirers globally.

  • 15.01.2015

    Payvision White Paper: Tapping into China - Comparing Chinese Ecommerce Trends and Opportunities with The West

    This White paper produced by Payvision, a member of EPIF, compares the cultural differences, payment trends, social influences and customer expectations in the emerging markets in China with the established markets in Europe and the US. The importance of understanding these differences in highly important considering that ecommerce sales in China have now surpassed the value of those in the US, yet only 14% of the Chinese population purchase online.

  • 01.12.2014

    Payvision blogpost: Visa Acceptance Risk Forum – Payments Regulation Insights

    Ignacio Gonzalez-Páramo provides an overview of the key outcomes of the Visa Acceptance Risk Forum held in London on 25th-26th November 2014. The Forum brought together all payments chain stakeholders to share information and tackle the regulatory and reputational issues surrounding acceptance risk and online fraud. The blogpost includes a short video of the Forum andinterviews with the speakers.

  • 06.10.2014

    Committee on Payments and Markets Infrastructure (CPMI) study on the role of non-banks in retail payment services

    The Committee on Payments and Markets Infrastructures (CPMI) published a study on the role of non-banks in retail payments services and analyses the repercussions that the emergence of these entities has had on the retail payments industry. The report, conducted by central bankers, revealed a significant presence of non-banks in all stages of the payment process and across different payment instruments. After analysing the main issues and the implications for central banks the report concluded that the main issues relate to the potential impacts of non-banks on operational risk, level playing field issues, consumer protection aspects and the risks that might emerge if the outsourcing of payment services is concentrated in the hands of a few or one non-bank.

    » Download (PDF, 571.09 kB)
  • 03.09.2014

    Payvision Blog post – Expanding your business: European Payments Regulation

    In this short video Ignacio Gonzalez-Páramo, of Payvision, speaks of the challenges faced by players on the payments market trying to expand their business in Europe whilst navigating the regulatory landscape and provides tips on how to do so.

  • 10.07.2014

    Tackling Internet Payment Security

    The paper on Tackling Internet Payment Security is a paper co-written by PayVision and Innopay and presents an insight to the SecuRe Pay Forum Recommendations. Either than the observations on these Recommendations, the paper also provides insights for professionals in the online payments industry.

  • 04.05.2014

    The Paypers (Volume 7, Issue 4)

    The Paypers published on 4th May 2014 (Volume 7, Issue 4) its monthly paper focusing on updates related to SEPA. The paper discusses three main points:

    • Regarding the ECB Secure Pay Recommendations for the Security of Internet Payments, more clarity is needed. It is also essential to take into consideration the lack of a level playing field and the competitive disadvantage produced by these recommendations.
    • Additional elements need to be added on the proposed Interchange Fee Regulation.
    • How the non-regulated “massive payment volumes” in Europe would affect payment services and e-money products in the European market.
    » Download (PDF, 624.16 kB)
  • 25.04.2014

    Payvision Infographics in Singapore


    PayVision published in April 2014 an E-Commerce Payments Landscape Factsheet of 2012 for Singapore. The Factsheet contains general facts and figures on issues such as online shoppers, internet penetration, percentages and preferences of online payment methods and others. This factsheet also identifies the benefits and categories of cross-border e-commerce categories in Singapore. 

  • 25.04.2014

    Payvision infographics in Australia

    In April 2014, PayVision presented the E-Commerce Payments Landscape Factsheet of 2012 for Australia. The Factsheet contains general facts and figures on issues such as online shoppers, internet penetration, percentages and preferences of online payment methods and others. This factsheet also makes reference to online shoppers’ activities in Australia and focuses on internet retail value.  

  • 19.12.2013

    Key Business Drivers and Opportunities in Cross-Border eCommerce

    PayVision prepared a report in 2013 on cross-border eCommerce. This was the result of a global survey conducted in 2013 which included acquirers, merchant service providers, payment service providers and online merchants. The objective of the global survey was to identify and quantify the business drivers and challenges which stakeholders face across the online payment industry while trying to expand into cross-border eCommerce. 

  • 18.05.2013

    Digital Identity service providers – Connecting the fragmented e-identity market

    Digital identity service providers are an evolutionary expansion of the e-identity ecosystem. The goal of this report is to identify the risks in e-identity and find balanced solutions. More particularly, the report focuses on an analysis of the following points:

    • Trusting the electronic identity;
    • Identifying the internet challenges on the identification process;
    • The fragmentation that could emerge out of the level of trust;
    • An overview of the global e-identity trends;
    • Proposed three generations of e-identity solutions; and
    • Identifying the e-identity landscape through the digital identity service providers.
  • 29.03.2013

    Study on the Impact of Directive 2007/64/EC on payment services in the Internal Market and on the application of regulation (EC) no 924/2009 on cross-border payments in the community

    The study on the Payment Services Directive (PSD) and the Cross-Border Payments Regulation focuses on examining the effects of the fees and charges for cross-border payments. The study covers pricing to a large extent and also the scope of the PSD and Cross-Border Payments Regulation and the impact on innovation. The study starts by looking who benefits from the PSD and then continues by analyzing the PSD and the existing market for payment services. More particularly, the study makes reference to payment services provided by credit institutions, electronic money institutions and post office institutions. The payment institutions are also subject to analysis in this study as well as the impact of this Directive and Regulation. Some further analysis is presented on the market structure and prudential rules, transparency, rights and obligations under the PSD and Cross-Border Payments Regulation. 

    » Download (PDF, 4.02 MB)
  • 08.12.2012

    Their role, Trends and Australian opportunities

    The remittance sector helps transferring money around the world. This industry appears to be continuously growing according to this report and this sector is widely used for payment transactions in Australia. The report highlights the close collaboration between Australian banks and money transfer operators.

    The report analyzes the following issues:

    • The functioning of the remittance sector : objectives, costs, risks and services;

    • A global overview of the remittance sector: patterns, recent trends and impact;

    • The remittance sector in the Australian financial sector: analysis of the remittance providers in Australia, migration flows in Australia, pricing and size of the remittance industry in the country;

    • Trends in payment arrangements: present techniques and trends of the sector; and

    • Public Policy issues: competition and money laundering issues, consumer protection aspects and  Australian Regulation.

    » Download (PDF, 2.71 MB)
  • 04.12.2012

    Universal Commerce: A Seamless, Personalized Purchase Experience for Today’s Connected Consumers

    The report on Universal Commerce is giving an overview of the transformation of consumer’s buying behavior in the eCommerce context. The report then highlights what the explanation of the universal commerce and illustrates the differences between online and offline experiences through various examples. The consumers perceptive and services necessary for the universal commerce are also illustrated in this report. 

    » Download (PDF, 1.31 MB)
  • 19.11.2012

    EU Remittances to Developing Countries: Remaining Barriers, Challenges and Recommendations

    Earlier this year, DMA consultants (Leon Isaacs and Sarah Hugo) were commissioned by HTSPE and Eurotrends to produce and deliver the report: ‘EU Remittances to Developing Countries, Remaining Barriers, Challenges and Recommendations’.  Having spoken with over 100 contributors to the remittances and development agenda and visited a number of countries throughout the EU and Africa, the report is finally completed.  It is attached to this email. The report addresses many areas relevant to remittances with a focus on providing recommendations to the European Commission on how it can contribute effectively in this vital area. The report focuses on:

    • Data collection methods for remittances throughout the EU.  This includes migrant, remittance volume and pricing data;
    • An overview of the remittance markets in relation to the General Principles on Remittances;
    • Policy coherence throughout the EC Departments related to remittances;
    • An overview of the existing European payments environment and suggested improvements.  This section includes a review of the Payments Services Directive and its implementation throughout EEA;
    • A review of the role of information/price comparison portals and recommendations for the future approach.
    » Download (PDF, 4.48 MB)
  • 17.11.2012

    Online payment Market Guide 2012

    In collaboration with the Merchant Risk Council, E-Commerce Europe and Innopay, EPIF presented its view on the Cross-border Business Transactions. The paper presents the key barriers and opportunities for the cross-border transactions, as well as the solutions for online payments. 

    » Download (PDF, 972.16 kB)
  • 23.04.2012

    Migration and Development Brief

    The Briefing on Migration and Developments produced by the Migration and Remittance Unit of the Word Bank presents the officially recorded remittance flows to developing countries for 2010. Furthermore the briefing highlights the growth rate of remittances by geographical area as well as the expected Remittance flows to developing countries and on a worldwide basis. 

    » Download (PDF, 565.95 kB)
  • 04.02.2010

    Working toward a Legal and Regulatory Framework

    The World Bank Group published a report in 2010 which aims to analyze the legal and regulatory framework and identified a standard approach to the remittance sector. The remittance sector is functioning based on cross-border person-to-person payments of relatively low value. This report identifies the reasons the remittance sector has to be standardized. One of the main reasons is that payment transactions are usually conducted between two jurisdictions and it can be difficult to ensure the proper and legally compliance of both parties. Finally, the report presents the results from a survey conducted in 2008 on national regulatory authorities and global systems.

    » Download (PDF, 551.37 kB)
  • 19.12.2009

    International Transactions in Remittances : Guide for compilers and users

    This report presents an overview of the operation of international transactions in remittances. The report focuses on demography, transaction channels and regulatory aspects of remittances. Other issues the report covers are:

    • The concepts and components of remittances;
    • The data sources and estimation methods of international transactions;
    • The compilation and data processing issues in the international remittance sector; and
    • Dissemination issues in the remittance sector.
    » Download (PDF, 1002.56 kB)
  • 20.07.2009

    Risk-Based Approach Guidance for Money Service Businesses

    The Risk-Based Approach Guidance for Money Service Businesses is divided into three sections. Firstly, the report underlined the usage of the guidance and purpose of the risk-based approach presenting the background, purpose, benefits and challenges of the Risk-Based Approach. Secondly, guidance for public authorities are analysed as well as the high-level principles for creating a risk-based approach and its implementation. Finally, the report concludes by presenting its guidance for money services businesses on implementing a risk-based approach. 

    » Download (PDF, 660.49 kB)
  • 16.01.2007

    General principles for international remittance services

    The Word Bank published a report on general principles for international remittance services in January 2007. The report focuses on the issues listed below:

    • The analysis of the key issues concerning remittance services such as the lack of transparency and understanding, infrastructure issues, legal and regulatory framework, lack of competitive market conditions and risks.
    • General principles for international remittance services for instance the public policy objectives, the general principles and their application, the role of remittance service providers and public authorities and  formulating an approach to implement the general principles. 
    » Download (PDF, 298.39 kB)