Consult Hyperion Data & Privacy Policies 

Unaware, unprepared and paralysed: Retailer readiness for PSD2
The impending shift to “open banking” through the implementation of the Second Payment Services Directive (PSD2) in Europe and, even sooner, the implementation of the Competition and Markets Authority (CMA) “remedies” in the UK, means radical change and not just in banking. For the whole retail sector, this revolution presents a wonderful opportunity to both reduce the costs of doing business and to deliver new and better services to customers.
Read the full report here

The Economic Impact of Digital Identity in Canada
Digital identity is critical to the development of the Canadian digital economy. It is a key tool in making digital services safe, secure, efficient and accessible. Without it, many of the issues Canadians encounter will be magnified by the rapid increase in high-connected digital services.
Read the full whitepaper here

Whitepaper: AMLD4/AMLD5 – Know Your Compliance Costs
The overhaul of the anti-money laundering legislation, in the fourth and fifth EU Anti-Money Laundering directives (referred to hereafter as 4AMLD and 5AMLD), will significantly increase the frequency with which financial institutions will need to conduct ‘Know Your Customer’ (KYC) checks.
Read the full whitepaper here

Whitepaper: Cut high KYC costs and reduce fraud risk: A blockchain-based solution
The current costs of know your customer (KYC) are exorbitant. It has been estimated that an average bank will spend $60 million annually on KYC and related due diligence activities. One reason for such high costs is duplication of the same KYC checks across – and sometimes within – financial institutions.
Read the full whitepaper here

Discussion paper: HCE and Tokenisation for Payment Services discussion paper

In July 2014, to help understand the opportunities and challenges between SIM secure element (SE) and host card emulation (HCE) services, the GSMA commissioned Consult Hyperion to produce a guide, HCE and SIM Secure Element: It’s not Black and White, comparing the approaches.
Read the full discussion paper here

A view from Consult Hyperion: The Future of Payments

Are you reading this on a screen? In 2015, the odds are high that the answer is ‘yes’. With PCs, tablets, smartphones and wearables becoming increasingly ubiquitous, technology is touching every area of our lives.
Read the full report here

Fraud Risk Management for Mobile Money: An Overview

Mobile money (MM) is a new sector that has yet to gain the standards and best practices common to more established financial services. It is therefore subject to significant risk, especially fraud risk.
Read the full overview here

Blockchains, Distributed Ledgers and Funds Transfer: An Overview

In the past decade, the financial services industry has developed significantly across the emerging markets. Since the introduction of mobile money schemes such as M-PESA, we have seen a steady stream of change towards more inclusive financial markets.
Read the full overview here

Blockchains, Distributed Ledgers and Funds Transfer: An Overview

This paper presents the results of a focussed, independent analysis of biometric technologies, and considers their application and acceptance for retail payments and conventional financial services for people in emerging economies.
Read the full overview here

Digital Identity: Issue Analysis Report

Digital identity is widely recognised as being of strategic importance to the future of digital services. It has the potential to enable inclusive access to services that can be delivered in
personalised and convenient ways.
Read the full report here

Digital Identity: Issue Analysis Executive Summary

Digital identity is emerging as a cross–cutting issue for many organisations including Omidyar Network (ON). For example, the growing recognition of the importance of identity for socio–economic development has resulted in identity becoming a key component of the United Nation’s Sustainable Development Goals (SDGs).
Read the full report here

Discussion paper: HCE and SIM Secure Element

The recent inclusion of Host Card Emulation (HCE) into Android 4.4 KitKat opens up the possibility of performing mobile NFC payments without using a SIM Secure Element (SIM SE). HCE may potentially remove a lot of the complexity associated with SIM SE-based NFC payments and reduce the need for mobile network operator (MNO) involvement.
Read the full discussion paper here

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