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Business Models

Welcome to Paymentology’s Issuer Academy! We understand what it takes to launch a bank or 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 program, while continuing to innovate with new products that attract and retain customers.

Articles

Nauman Hassan Shares His Experience in How Banks Can Improve Consumer Satisfaction With Adaptive Learning

Nauman Hassan Shares His Experience in How Banks Can Improve Consumer Satisfaction With Adaptive Learning

Nauman Hassan shares his experience in how banks can improve consumer satisfaction with adaptive learning:
Why Legacy Tech Won’t Power Saudi Arabia’s Future

Why Legacy Tech Won’t Power Saudi Arabia’s Future

Saudi Arabia’s Vision 2030 is an ambitious roadmap designed to transform the Kingdom into a global economic powerhouse. A key pillar of this vision...
Protecting UAE SMEs: Combating Fraud in Expense Management Systems

Protecting UAE SMEs: Combating Fraud in Expense Management Systems

With fraud on the rise, it is only natural to seek the best-in-class solution to protect your SME. Isn’t that what every business strives for? In the...
Inside UAE Banking: Growth & Digital Trends

Inside UAE Banking: Growth & Digital Trends

After more than a decade leading businesses through transformation across global markets, I’ve seen the industry go through many cycles of...
The Lunar New Year Spending Boom

The Lunar New Year Spending Boom

The Lunar New Year, also known as Chinese New Year, is more than just a cultural celebration. It’s a massive driver of travel, consumer spending and...
Singles’ Day - APAC's Ecommerce Boom

Singles’ Day - APAC's Ecommerce Boom

Singles’ Day, which is celebrated annually on November 11 (11/11), has become the world’s largest shopping event, significantly impacting the retail...
Card Payments and Fraud Prevention in the Netherlands: Opportunities and Threats

Card Payments and Fraud Prevention in the Netherlands: Opportunities and Threats

While the card payment industry in the Netherlands presents strong opportunities for local banks, issuers should also be cautious of potential...
When Interchange is Capped, Infrastructure Matters More

When Interchange is Capped, Infrastructure Matters More

The UK High Court’s recent decision to uphold the Payment Systems Regulator’s (PSR) powers to regulate payment systems marks an important moment for...
The Rise of Tokenization-based Payment Solutions

The Rise of Tokenization-based Payment Solutions

The way that card payments work has evolved several times since the first credit cards arrived in the 1950s. Manual checks carried out by bank...
Beyond the Sales: What Black Friday & Cyber Monday Reveal About the Modern Payments Ecosystem

Beyond the Sales: What Black Friday & Cyber Monday Reveal About the Modern Payments Ecosystem

Throughout Black Friday and Cyber Monday, we gain a glimpse into consumer behaviour and the resilience of global payment systems. While consumers...
Why Legacy Tech Can’t Keep Up With Modern-Day Needs

Why Legacy Tech Can’t Keep Up With Modern-Day Needs

As technological advances continue to drive innovation, legacy systems are increasingly ill-equipped to meet modern requirements. Once considered the...
The Rise in Ecommerce Spending in Colombia

The Rise in Ecommerce Spending in Colombia

Globally, ecommerce saw massive growth during the Covid-19 pandemic, and since then the momentum has largely continued. This is especially evident in...
How BIN Sponsors Drive Speed to Market for Colombian Issuers

How BIN Sponsors Drive Speed to Market for Colombian Issuers

In Colombia’s vibrant financial sector, issuers are racing to deliver innovative payment solutions to meet the growing demands of consumers. However,...
The Future of Remittances in Latin America

The Future of Remittances in Latin America

It’s impossible to understate the importance of remittance payments for the LATAM region. World Bank figures show that inbound remittances for Latin...
Why Mobile Card Management Matters - Introducing PayoCard

Why Mobile Card Management Matters - Introducing PayoCard

Expectations around card experiences are rising rapidly worldwide—particularly in emerging markets like South Africa, where mobile-first behaviour is...
5 Ways South African Shopping Malls Can Benefit From Gift Card Programmes

5 Ways South African Shopping Malls Can Benefit From Gift Card Programmes

Shopping malls are always on the lookout for innovative strategies to attract and retain customers while boosting daily footfall. One such strategy...
Transforming the Payouts Process in Africa

Transforming the Payouts Process in Africa

The payments landscape in Africa is changing quickly. A continent of 54 countries and more than 1.5 billion people, GDP is projected to reach almost...
Fraud in a Mobile Money Powerhouse - Kenya’s Next Phase of Digital Security

Fraud in a Mobile Money Powerhouse - Kenya’s Next Phase of Digital Security

Kenya has built one of the most advanced mobile money ecosystems in the world. Digital payments are embedded in daily life, from small retail...
The Rise of Crypto Cards in APAC - Turning Digital Assets into Everyday Payments

The Rise of Crypto Cards in APAC - Turning Digital Assets into Everyday Payments

Across Asia-Pacific (APAC), crypto cards are quietly moving from niche experimentation to real-world utility. What was once widely viewed as...
Google Pay Officially Lands in the Philippines

Google Pay Officially Lands in the Philippines

On November 18, 2025, Google Pay officially launched in the Philippines, marking an important milestone in the country’s digital payments journey....
How BIN Sponsorship Can Help Issuers in the Philippines and Across APAC Make the Most of New Payment Opportunities

How BIN Sponsorship Can Help Issuers in the Philippines and Across APAC Make the Most of New Payment Opportunities

The Philippines' payment landscape is changing fast. With a population of more than 110 million and spread over 7,000 islands, it's a highly diverse...
From Cash to Cards - Transforming Payroll in South Africa

From Cash to Cards - Transforming Payroll in South Africa

Did you know that payroll fraud accounts for nearly 10% of organisational fraud cases globally? In South Africa, where cash payments are still common...
Click to Pay: How This Digital Wallet is Changing Online Payments

Click to Pay: How This Digital Wallet is Changing Online Payments

The digital age has brought new levels of convenience to consumers the world over. Ecommerce with next-day delivery has revolutionised the way we...
Kenya’s Remittance Lifeline

Kenya’s Remittance Lifeline

Did you know that in 2024, Kenyans living abroad sent home an approximate USD 4.4 billion in remittances? Yes, this is correct, marking an increase...
The Role of Strategic Partnerships in Cards-as-a-Service

The Role of Strategic Partnerships in Cards-as-a-Service

Cards-as-a-Service (CaaS) has opened the door for businesses to launch and scale card programmes faster than ever. However behind the simplicity of...
Who should consider Cards-as-a-Service?

Who should consider Cards-as-a-Service?

Launching a card programme has traditionally been a slow and costly process, often limited to large banks or well-funded fintechs; but with...
The Benefits of Cards-as-a-Service

The Benefits of Cards-as-a-Service

Launching a card programme has traditionally been a long, expensive and complex process, as businesses needed to build banking infrastructure,...
How Cards-as-a-Service Works

How Cards-as-a-Service Works

Launching a card programme has traditionally been a long, expensive and complex process. To get started, businesses needed to build banking...
What is Cards-as-a-Service (CaaS)?

What is Cards-as-a-Service (CaaS)?

Cards-as-a-Service (CaaS) allows businesses to offer their own payment cards, whether debit, credit or prepaid, without having to build the...
The Issuer’s Roadmap to Successful Card Issuance

The Issuer’s Roadmap to Successful Card Issuance

Every card in circulation is the result of multiple players working behind the scenes, from banks and fintechs to payment networks and processors....
Technology as a Driver for Customer Engagement in the Remittance Market

Technology as a Driver for Customer Engagement in the Remittance Market

The remittance industry is experiencing intensified competition due to downward pressure on fees, the entry of innovative competitors and an increase...
Traditional vs New-Age Remittances

Traditional vs New-Age Remittances

The remittance industry, long dominated by traditional banks and major money transfer agencies, is undergoing a significant transformation....
Remittance Reimagined - How fintechs are changing the game

Remittance Reimagined - How fintechs are changing the game

The journey of the remittance industry has been long and transformative, adapting to new technologies and societal shifts to facilitate the movement...
How does card programme management work?

How does card programme management work?

In a series of recent blogs, we've covered some of the broad principles of card programme management. If you need a reminder, we've explained what...
The Basics of Card Programme Management

The Basics of Card Programme Management

Moving away from legacy payment methods such as cash and cheques should be a priority for all businesses right now. For payments to suppliers, staff,...
What are the features and requirements of a mobile wallet?

What are the features and requirements of a mobile wallet?

What are the differenBanks and financial institutions that haven’t yet launched a mobile wallet solution can’t afford to hang around. The convenience...
How to launch a mobile wallet

How to launch a mobile wallet

If your financial institution is thinking about launching a mobile wallet solution, you’ll need to plan the project very carefully. But don’t worry,...
What are the different types of mobile wallet?

What are the different types of mobile wallet?

For financial institutions that are considering a mobile wallet solution, there are a number of factors that need to be thought through ahead of the...
Telcos in finance – The key to success

Telcos in finance – The key to success

Welcome to the fourth and final instalment of our blog series on Telcos in the financial space based on our extensive report co-produced with Fincog:...
How to acquire financial services knowledge as a telco

How to acquire financial services knowledge as a telco

Welcome to the third instalment in our mini-series on the role of telcos in financial services. Our previous post covered four different business...
Telcos’ roles in mobile banking – The top 4 business models and best practisesnd best practices

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

In the previous article, we talked about the opportunities the world of financial markets offers to telcos. Today, as there are several avenues to...
Financial Services: A World of Opportunity for Telcos

Financial Services: A World of Opportunity for Telcos

It's no exaggeration to say that telecommunication companies have played a key role in transforming the world since the early 2000s. The subsequent...
Why Mobile Wallets Are So Popular

Why Mobile Wallets Are So Popular

Mobile wallets are on the rise. The use of these smartphone-based payment tools is growing at such a rate that the number of people using them is...
Who Needs a Card Programme Manager?

Who Needs a Card Programme Manager?

Any business that decides to run its own card programme would need to invest in the right financial licensing, scheme membership and have internal...
What Are the Different Roles and Duties Within a Card Programme?

What Are the Different Roles and Duties Within a Card Programme?

Many businesses are looking to streamline their payment processes as they seek better ways to manage expenses, pay suppliers and distributors, pay...
Card Payment Fraud Trends in the UK: What Banks Need to Know

Card Payment Fraud Trends in the UK: What Banks Need to Know

Those of us working in the payments industry need to be aware of the shifting trends in fraud. These crimes affect our customers and our institutions...

Downloads

Selecting a Next-Generation Issuing Platform
Getting Started Business Models

Selecting a Next-Generation Issuing Platform

The 3-Step Blueprint for Building a Successful Card Programme
Business Models

The 3-Step Blueprint for Building a Successful Card Programme

Cards as a Service
Business Models

Cards as a Service

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

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

Empowering SMEs in the Digital Economy
Getting Started Business Models

Empowering SMEs in the Digital Economy

The Paymentology guide to card programme management.
Business Models

The Paymentology guide to card programme management.

How to get started with mobile wallets
Getting Started Business Models

How to get started with mobile wallets

The future of fintech in the Middle East 2023
Business Models

The future of fintech in the Middle East 2023

Unlocking Financial Services for Telcos
Getting Started Business Models

Unlocking Financial Services for Telcos

Employees with Benefits
Business Models Inspiration

Employees with Benefits

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Podcast episodes

How Chikwama Pay Is Building a Borderless Bank on WhatsApp
Business Models

How Chikwama Pay Is Building a Borderless Bank on WhatsApp

March 10, 2026

Embedded Finance and Earned Wage Access: How Payroll Is Redefining Financial Welness
Business Models

Embedded Finance and Earned Wage Access: How Payroll Is Redefining Financial Welness

February 24, 2026

Dignity by Design: How UnDosTres is Expanding Access to Credit Across Latin America
Business Models

Dignity by Design: How UnDosTres is Expanding Access to Credit Across Latin America

February 11, 2026

How Stablecoins Are Powering Everyday Payments
Inspiration | Business Models

How Stablecoins Are Powering Everyday Payments

January 21, 2026

Why Credit Is the Next Big Battleground for Digital Banks
Inspiration | Business Models

Why Credit Is the Next Big Battleground for Digital Banks

December 3, 2025

Fintech Built for Saudi, Connected to the World
Inspiration | Business Models

Fintech Built for Saudi, Connected to the World

October 8, 2025

Innovation, Inclusion, and Impact: The Future of MENA Finance
Inspiration | Business Models

Innovation, Inclusion, and Impact: The Future of MENA Finance

September 18, 2025

Fraud vs Innovation: The Thin Line in Digital Banking
Business Models

Fraud vs Innovation: The Thin Line in Digital Banking

September 10, 2025

How Word-of-Mouth Built South Africa's First Black-Owned Unicorn Bank
Inspiration | Business Models

How Word-of-Mouth Built South Africa's First Black-Owned Unicorn Bank

August 27, 2025

Go Global, Think Local: Why Winning in Payments Is a Regional Game
Getting Started | Business Models

Go Global, Think Local: Why Winning in Payments Is a Regional Game

August 13, 2025

The Rise of the Companion Card: Empowering Africa's Mobile-First Economy
Inspiration | Business Models

The Rise of the Companion Card: Empowering Africa's Mobile-First Economy

July 30, 2025

Smarter Cards, Simpler Stacks: Innovating at the Infrastructure Layer
Business Models | Technology

Smarter Cards, Simpler Stacks: Innovating at the Infrastructure Layer

July 1, 2025

In the AI Stampede, Who’s Stopping to Ask the Right Questions?
Technology | Business Models

In the AI Stampede, Who’s Stopping to Ask the Right Questions?

June 11, 2025

Wallets Are Being Rewritten: Tokenization, Embedded Finance & the Future of Payments
Business Models | Technology

Wallets Are Being Rewritten: Tokenization, Embedded Finance & the Future of Payments

May 13, 2025

Forget Cards—Here's What You'll Be Using to Pay in 2030
Business Models | Technology

Forget Cards—Here's What You'll Be Using to Pay in 2030

April 9, 2025

Videos

Zand, enabling the digital assets community
Business Models

Zand, enabling the digital assets community

2025 Predictions: Profitability
Technology | Business Models

2025 Predictions: Profitability

Gotyme, A
Business Models

Gotyme, A "phy-gital" banking experience with instant card issuing from retail kiosks.