/payments

News and resources on payments systems, innovations and initiatives worldwide.

Discussion
UK open banking hits 10 million users
Jeremy Light

Jeremy Light

  The OBL website shows (for June 2024) 6.1m payments users and 5.17m account information users, presumably about 1m users use both. These figures respectively were 2.15m and 4.2m users in June last year, so payments is the main driver of OB user growth. While the 10m user milestone is a great one to highlight, what really matters is usage. Payment txns are increasing each month, but the payments per user has been stuck for over two years at 2 - 3 per month. For account information, no usage stats are published other than API calls, perhaps a metric such as data megabytes/month would be useful? However, although open banking is supposed to be about data, the growth story shows it is more about payments than data and that increasing the payments per user through increasing business acceptance of OB payments is the main challenge for OBL.
Brazil delays launch of recurring Pix payments
Albert Morales

Albert Morales

  Just to clarify for the audience, Recurring Pix is already available via Open Finance (PISPs already offering such solution). The recurring Pix available is limited to fix amounts, suitable for the use-cases mentioned in this article: school fees, gym or any kind of subscripion, loan installments, etc. What has been delayed is the implementation of Variable Recurring Payments (VRP). Which will will include other use-cases that require to charge variable amount e.g: e-commerce, variable utility bills, etc.
Creating operational efficiency for banks through process mining
Ketharaman Swaminathan

Ketharaman Swaminathan

  TY Steve M!  If that be the case, is a Process Mining tool somewhat similar to BPM Modeling & Optimization tools like ARIS and SAP Signavio that are used during ERP implementations?
QR Code Payments: What Exactly Are They?
Ketharaman Swaminathan

Ketharaman Swaminathan

  Wish QR codes also had an embedded link that I can tap and go wherever scanning it would take me. This would be especially useful for making payments.  Many people send invoices with QR code via e.g.  WhatsApp. When I open the invoice on my smartphone, I cannot scan the QR code with the same smartphone. Right now, I either (1) Scan the QR on somebody else's smartphone, pay from their account, settle with them later, OR (2) Open the invoice message on Desktop WhatsApp on my laptop, and scan the QR with my smartphone.  (People who don't have a laptop cannot use the second workaround.)  If the QR had an embedded link, everyone can simply tap it on their smartphone and complete the payment without resorting to these clumsy workarounds.