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POSITION PAPERS

The key EU Digital Markets Act (DMA) changes set to impact the payments industry. An SPA Insight - March 2024

 

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Payment Card Sustainability - Learnings from the new 2023 Payment Card Collection and Recycling Report - July 2023

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Phasing out Magstripe: the need for collaboration and conversation - June 2023

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Cyber Resilience Act (CRA) - SPA's Response to the EC Consultation - January 2023

 

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The Security of Card Payment Systems in a Post-Quantum World - October 2022

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Eco-Friendly Payment Cards: Putting Sustainability at the Heart of Payment - January 2022

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BIOMETRIC PAYMENT CARDS - The Next Evolution in Secure Contactless Transactions - An SPA paper - December 2021

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EBA Guidelines on Outsourcing and PCI CPP - An SPA Analysis - October 2021

 

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Wearable Tech 2021: The Future Is Now - An SPA Insight Paper - April 2021

 
spa wearables payments3
 
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Why offline authentication still matters in today’s online payments world - An SPA Insight - January 2021

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The Instant Payment Card: Initiating a SEPA Credit Transfer at the Point of Sale - April 2020

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Do TPP Services Represent a Worrying Factor for The Retail Payments Market? November 2019

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Instant Payments at the Point of Sale - Looking at opportunities for the Forecourt Retailer - October 2019

 Instant Payments Forecourt s

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Quantifying the Potential of Utilizing Technology to Integrate EU Financial Markets - An SPA Insights Paper - April 2019

 financial markets integration

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Biometrics, Payment & GDPR, An SPA Analysis - March 2019

 Biometrics Payments GDPR 2

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IoT Payments: addressing the protection problem - An SPA Paper - February 2019

Iot payments security s

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Fast, Frictionless and Secure – Seamless and Strong Authentication Experiences for Successful Consumer Retail Journeys - An SPA Paper - January 2019

frictionless retail journey

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Biometrics in Payment - New SPA Analysis and Position Paper - May 2018

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Regulatory Technical Standard on Strong Customer Authentication - New SPA Analysis and Position Paper - May 2018

 strong customer authentication

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The Role of Identity in Digital and Virtual Currency Schemes - January 2018

 

Smart payment association - article blog

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SPA's Position on the European Banking Authority (EBA)'s Consultation on the Draft recommendations on outsourcing to cloud service providers under Article 16 of Regulation (EU) No 1093/20101 - October 2017

Smart payment association - article blog

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Could Cooperative Competition Offer a Way Forward for Banks and Fintechs? October 2017

Fintech

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Wearable Tech: A Growing Payment Opportunity - An SPA White Paper - July 2017

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Instant Payment Systems Security - An SPA Paper - April 2017

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Transitioning to a Cashless World – the Current State of Play - January 2017

Cashless World
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RTS ON STRONG CUSTOMER AUTHENTICATION - The SPA Position - December 2016

RTS SPA postion

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Is there a case for the regulation of tokenization services - An SPA Paper - May 2016

Smart payment association - article blog
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Contactless Payment Benefits & Worldwide Deployments - Food for thought for US issuers - April 2016

Smart payment association - article blog
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Strengthening Card Authentication: a migration to DDA - An White Paper by SPA - July 2015

Smart payment association - article blog
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Biometrics for Financial Services - A White Paper by SPA - December 2013

Smart payment association - article blog
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Instant Issuance - A White Paper by SPA - December 2013

Smart payment association - article blog
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PIN by SMS - A White Paper by SPA - December 2011

Smart payment association - article blog
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Business Continuity Management in the Payment Card Industry - A White Paper by SPA - December 2011

Smart payment association - article blog
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Private Label Payment Solutions - A White Paper by SPA - November 2011

Smart payment association - article blog
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Investigating the myths and realities of contactless payment fraud - An SPA Paper - April 2016

Smart payment association - article blog
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Investigating the myths and realities of contactless payment fraud - A Q&A by SPA - April 2016

Smart payment association - article blog
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PSD2 - The SPA Position - January 2016

Smart payment association - article blog
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MIF Regulation: have you paid attention to article 10? - December 2015

Smart payment association - article blog
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Is Host Card Emulation (HCE) the big enabler for Mobile Contactless Payments? - December 2015

Smart payment association - article blog
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Creating a competitive market for interoperable Mobile Wallets* - An SPA Position Paper - Feb 2015

Smart payment association - article blog
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Driving Forward with Tokenization and HCE - An SPA Position Paper - October 2014

Smart payment association - article blog
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Tokenization and Protection of Card Data for Online Payments - An SPA Position Paper - May 2014

Smart payment association - article blog
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Cloud Computing Versus Card - An SPA Position Paper - November 2013

Smart payment association - article blog
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Managing the UICC Certification Lifecycle - An SPA Position Paper - November 2013

Smart payment association - article blog
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The New European Directive on Payments (PSD2) - SPA’s Position - September 2013

Smart payment association - article blog
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Fallback to Chip Payment Application - The SPA Position - July 2013

Smart payment association - article blog
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Certification on Mobile Payment Platforms - The SPA Position - April 2013

Smart payment association - article blog
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Security for Mobile Payments - The SPA Position - February 2012

Smart payment association - article blog
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Electrostatic Discharge (ESD) in Payment Terminals - The SPA Position - February 2012

Smart payment association - article blog
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EMV is neither a 20-years-old nor an obsolete technology but simply the best solution

Smart payment association - article blog
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