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Master Next-Gen Payments

Welcome to Paymentology’s Issuer Academy! We understand what it takes to launch a bank or a fintech and enter the world of payments for the first time. Here we share valuable insights and tips to help ensure the success of your card programme, while continuing to innovate with new products that attract and retain customers.

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Getting started

Everything you need to know about issuing cards and processing payments

 

Succeeding with your card programme

One of the top reasons some fintechs and banks stand still is building on card propositions that can’t scale. These articles help you choose an issuing and processing model that fuels growth and keeps you ahead on experience, fraud, and compliance.


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Getting started

Selecting a Next-Generation Issuing Platform (guide)

Selecting a Next-Generation Issuing Platform is your essential guide to navigating the complexities of API-driven card issuing. Readers will learn how to assess providers, compare platform capabilities and identify the right partner to support scalable, secure and future-ready card programmes.


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Getting Started

The 3-Step Blueprint for Building a Successful Card Programme

The 3-Step Blueprint for Building a Successful Card Programme distils the multi-layered world of card issuing into a clear, actionable framework. Readers will walk away with a step-by-step plan to design, launch and scale a card programme that meets market needs and drives long-term value.


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Getting started

How to build a profitable digital bank? Digital Banking in Asia Pacific in 2024

This guide explores what sets winning digital banks apart in APAC. Readers will gain region-specific insights into monetisation strategies, regulatory trends and the tech stacks driving sustainable growth and profitability.

Embracing globalisation

Expanding into new markets without local payment and compliance insights can slow down your growth.
These articles give you the knowledge and tools to activate markets quickly, compliantly, and at scale.

Your step by step guide to issuing


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Getting Started

What are the different roles and duties within a card programme?

This article breaks down the key players from issuer processors to BIN sponsors and addresses what each one does. Readers will gain clarity on the ecosystem, responsibilities and how to choose the right partners for a card programme rollout.


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Technology

How does card programme management work?

This article demystifies the end-to-end process of running a successful card programme. Readers will learn how the right programme management strategy ensures efficiency, scalability and a standout cardholder experience.


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Inspiration

From Cash to Cards - Transforming Payroll in South Africa

From Cash to Cards explores how digital payroll solutions are transforming financial inclusion and ensuring efficiency for workers in South Africa. Readers will learn how card-based payroll models help employers streamline operations while empowering underbanked employees with secure, modern payment access.

How Telcos expand with financial services 


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Getting Started

Unlocking Financial Services for telcos

This guide explores how telecommunications companies can become powerful fintech enablers. Readers will discover strategic models, use cases and learn about the infrastructure required to successfully launch and scale financial services within their mobile ecosystems.


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Business Models

Telcos’ roles in mobile banking: The top 4 business models and best practices

Telcos’ Roles in Mobile Banking breaks down the four leading business models telecom operators are using to enter financial services. Readers will gain actionable insights into each model’s advantages, risks and the best practices for telcos to build trust, drive adoption and scale sustainably.


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Inspiration

Telcos in finance – The key to success

Telcos in Finance – The Key to Success uncovers what truly sets successful telecom-led financial ventures apart. Readers will learn about the critical factors from infrastructure choices to user trust, that drive long-term growth and profitability in the telco-fintech space.

The new wave of SME Payment Experiences 


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Getting started

Empowering SME in the digital economy

Empowering SME in the digital economy examines the complex payment needs of small and medium-sized enterprises in today’s digital economy. Readers will uncover key challenges, emerging solutions and what issuers and fintechs must do to better serve this underserved yet high-potential segment.


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Business Models

SMEs must have access to better payment solutions

The State of SME Payments delves into the pressing need for modern, flexible payment solutions tailored to small and medium-sized enterprises. Readers will explore the gaps in today’s offerings and discover what issuers and fintechs can do to empower SMEs with faster, smarter and more affordable ways to pay and get paid.


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Inspiration

Giving SMEs the tools to grow – case studies

Giving SMEs the Tools to Grow is an example of real-a world case study where innovative payment solutions helped small and medium-sized businesses scale efficiently. Readers will discover how tailored financial tools from virtual cards to spend management, are driving growth and digital transformation for SMEs.

Remittances


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Getting started

The Remittance Revolution: How to Win in Cross-Border Money Movement

The Remittance Revolution explores the seismic shifts around cross-border money movement from digital disruptors to real-time rails. Readers will learn how issuers, fintechs and partners can build competitive, compliant and customer-centric remittance offerings in a high-growth market.


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Business Models

Traditional vs New-Age Remittances

Traditional vs New-Age Remittances compares legacy remittance systems with fast, digital-first alternatives. Readers will uncover the key differences in cost, speed, and accessibility.


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Inspiration

Client story M-PESA

M-PESA x Paymentology highlights how Safaricom partnered with Paymentology to launch the GlobalPay Virtual Visa Card, enabling 30 million M-PESA users to transact globally. Readers will discover how this collaboration enhanced financial inclusion by integrating secure, scalable virtual card solutions into the M-PESA ecosystem.

Cool Card Experiences Report (5 experiences from 11:FS)


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Getting started

Card journeys we love

The Cool Card Experiences Report showcases five standout card innovations curated by 11:FS that are showing what great cardholder experiences look like. Readers will gain inspiration and practical ideas to elevate their own card programmes with smarter features, personalisation and digital integration.


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Business Models

How Smart Cards are Changing Business Spending

How Smart Cards Are Changing Business Spending explores the shift from traditional corporate payments to intelligent, data-rich card solutions. Readers will learn how features like real-time controls, spend insights and automation are helping businesses streamline expenses and boost financial accountability.


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Inspiration

Building Mox: Scaling a Next-Gen Bank for Hong Kong

The story of how Mox Bank rapidly scaled a fully digital, next-gen bank tailored to Hong Kong’s ecosystem. Readers will gain insights into the technology, partnerships and strategic decisions that enabled Mox to deliver seamless, mobile-first banking at scale.

Card Management Solutions Overview by Quadrant

 

Spark Matric Card Management System Diagram

The Card Management Solutions guide provides a strategic comparison of leading platforms, mapping key players across capability and innovation dimensions. Readers will understand how to evaluate card management solutions based on functionality, scalability and fit for modern issuer needs.