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"Digital Marketing"

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Conceptual illustration of AI agents engaging in online commerce and payments

Agentic Commerce

Agentic Commerce Series – Part 1

The next customer on the internet may not be human. If AI agents become part of purchasing decisions, the rules of e-commerce, marketing, and payment systems could change.

Contactless NFC payment on an iPhone opened to third-party apps by Apple

Payment Systems

Apple opens NFC payments to third-party apps

Under the EU Digital Markets Act, Apple will let third-party developers in the European Economic Area offer NFC contactless payments inside iOS apps without Apple Pay or Apple Wallet, opening the way for banks and payment services to launch their own tap-to-pay solutions.

Illustration of mobile commerce: shopping and payments made on a smartphone

E-commerce

What Is Mobile Commerce?

In recent years, data exchange over wireless mobile devices has become much faster and more secure. In 2019, mobile devices were used in 54.5 percent of purchases made by e-commerce users. With the steady growth in mobile users, mobile commerce keeps gaining ground.

Portrait photo of a digital banking presentation slide listing the standards for digital banks

Open Banking

Digital Banking Standards are becoming clearer step by step

Digital banking is talked about more every day, and with the BRSA's support in defining its scope, it is about to enter our lives. A 'digital bank' is a credit institution that provides banking services mainly through electronic channels rather than physical branches.

European Payments Initiative (EPI) overview graphic

Payment System Institutions

What is EPI (European Payments Initiative)?

The European Payments Initiative (EPI), formerly known as PEPSI, is an ECB-backed payment integration initiative aiming to build a pan-European payment system and interbank network to rival Mastercard and Visa. Its founding members include BBVA, BNP Paribas, CaixaBank, Commerzbank and others.

Illustration symbolizing the shift from search engines to AI-driven decision engines in online shopping

Payment Systems

Agentic Commerce Series - Part 2

If users start describing their needs instead of searching for products, one of the internet economy's most fundamental habits could change.

Payment card being checked against a card recovery bulletin of problem cards

Merchant & POS

What Is a Card Recovery Bulletin (Card Protection Bulletin)?

A Card Recovery Bulletin is a list of problem cards (lost, stolen, expired, over-limit, counterfeit or otherwise flagged) published by card schemes such as Visa or MasterCard. It shows whether a card number is listed on the date of purchase.

Fintech companies combining finance and technology

Payment Systems

What is Fintech?

Fintech, short for financial technologies, is a term for companies that bring together finance and technology to provide easy and fast financial services, growing rapidly worldwide.

Illustration of embedded finance, with payment, credit, insurance and investment services built into everyday digital platforms

Open Banking

What Is Embedded Finance?

Embedded Finance means integrating financial products and services into non-financial platforms, experiences or business processes. In other words, services offered by financial institutions become part of the product or service flows of non-financial organizations.

Illustration of neuromarketing brain activity analysis techniques

Entrepreneurship

What is Neuromarketing?

Neuromarketing is a technique for developing a marketing strategy from the results of closely examining purchasing perception in the human brain, aiming to understand consumer behavior and the psychology behind it.