get('text_top_button', JText::_('DEFAULT_GOTO_TOP_TEXT'))*/?>
get('text_bottom_button', JText::_('DEFAULT_GOTO_BOTTOM'))*/?>
POSITION PAPERS

THE DIGITAL OPERATIONAL RESILIENCE ACT (DORA) SPA’s Position on Physical Payment Card Personalization - November 2024

Continue reading

THE CYBER RESILIENCE ACT (CRA) IN THE LIGHT OF EXISTING PAYMENT CARD CERTIFICATIONS - NOVEMBER 2024

Continue reading

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

 

Continue reading

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

Continue reading

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

Continue reading

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

 

Continue reading

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

Continue reading

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

Continue reading

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

Continue reading

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

 

Continue reading

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

 
spa wearables payments3
 
Continue reading

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

spa mass transit web

 

Continue reading

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

inst pay spa web

Continue reading

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

psd2 open banking tpp spa W.jpg

Continue reading

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

 Instant Payments Forecourt s

Continue reading

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

 financial markets integration

Continue reading

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

 Biometrics Payments GDPR 2

Continue reading

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

Iot payments security s

Continue reading

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

frictionless retail journey

Continue reading

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

Biometrics-Payment-Card.jpg

Continue reading

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

 strong customer authentication

Continue reading

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

 

Smart payment association - article blog

Continue reading

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

Continue reading

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

Fintech

Continue reading

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

shutterstock 515729116

Continue reading

Instant Payment Systems Security - An SPA Paper - April 2017

shutterstock 514764796

Continue reading

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

Cashless World
Continue reading

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

RTS SPA postion

Continue reading

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

Smart payment association - article blog
Continue reading

Contactless Payment Benefits & Worldwide Deployments - Food for thought for US issuers - April 2016

Smart payment association - article blog
Continue reading

Strengthening Card Authentication: a migration to DDA - An White Paper by SPA - July 2015

Smart payment association - article blog
Continue reading

Biometrics for Financial Services - A White Paper by SPA - December 2013

Smart payment association - article blog
Continue reading

Instant Issuance - A White Paper by SPA - December 2013

Smart payment association - article blog
Continue reading

PIN by SMS - A White Paper by SPA - December 2011

Smart payment association - article blog
Continue reading

Business Continuity Management in the Payment Card Industry - A White Paper by SPA - December 2011

Smart payment association - article blog
Continue reading

Private Label Payment Solutions - A White Paper by SPA - November 2011

Smart payment association - article blog
Continue reading

Investigating the myths and realities of contactless payment fraud - An SPA Paper - April 2016

Smart payment association - article blog
Continue reading

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

Smart payment association - article blog
Continue reading

PSD2 - The SPA Position - January 2016

Smart payment association - article blog
Continue reading

MIF Regulation: have you paid attention to article 10? - December 2015

Smart payment association - article blog
Continue reading

Is Host Card Emulation (HCE) the big enabler for Mobile Contactless Payments? - December 2015

Smart payment association - article blog
Continue reading

Creating a competitive market for interoperable Mobile Wallets* - An SPA Position Paper - Feb 2015

Smart payment association - article blog
Continue reading

Driving Forward with Tokenization and HCE - An SPA Position Paper - October 2014

Smart payment association - article blog
Continue reading

Tokenization and Protection of Card Data for Online Payments - An SPA Position Paper - May 2014

Smart payment association - article blog
Continue reading

Cloud Computing Versus Card - An SPA Position Paper - November 2013

Smart payment association - article blog
Continue reading

Managing the UICC Certification Lifecycle - An SPA Position Paper - November 2013

Smart payment association - article blog
Continue reading

The New European Directive on Payments (PSD2) - SPA’s Position - September 2013

Smart payment association - article blog
Continue reading

Fallback to Chip Payment Application - The SPA Position - July 2013

Smart payment association - article blog
Continue reading

Certification on Mobile Payment Platforms - The SPA Position - April 2013

Smart payment association - article blog
Continue reading

Security for Mobile Payments - The SPA Position - February 2012

Smart payment association - article blog
Continue reading

Electrostatic Discharge (ESD) in Payment Terminals - The SPA Position - February 2012

Smart payment association - article blog
Continue reading

EMV is neither a 20-years-old nor an obsolete technology but simply the best solution

Smart payment association - article blog
Continue reading