Journal of Payments Strategy & Systems

2006 - 2025

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Volume 19, issue 2, 2025

Editorial pp. 100-102

Gerard Hartsink

A retrospective: Looking back at ‘A Vision for the Future of Cross-border Payments’ pp. 103-113

Philip Bruno, Olivier Denecker and Gottfried Leibbrandt

Bank-led innovation: The expansion of the Zelle network in the US — key drivers, market impact and future outlook pp. 114-123

Vidit Maniyar

Strategic liquidity management: Driving financial flexibility with modern payment solutions pp. 124-132

Sunny Gutta

A framework for digital currencies for financial inclusion in Latin America and the Caribbean pp. 133-153

Gabriel R. Bizama, Bernardo Paniagua, Alex Wu and Max Mitre

Design and implementation of Peru’s retail central bank digital currency pilot pp. 154-169

Milton Vega, Elmer Sánchez and Arturo Andía

The Brazilian payments landscape: Regulation, recent developments, and challenges pp. 170-184

Breno Lobo, Ricardo Mourão and Angelo Duarte

The payments industry in Colombia: Status and future developments pp. 185-196

Joaquín F. Bernal-Ramirez, Carlos A. Arango-Arango, Andrea M. Duarte-Carreño and Estela Martínez-Herrera

Volume 19, issue 1, 2025

Editorial pp. 4-7

Gerard Hartsink

Bringing European retailer reality to the payments conversation pp. 8-18

Atze Faas

Integrating payment transaction data, direct from source: Opportunities and limitations for large merchants pp. 19-26

Sam Langsford

The strategic importance of payment data for merchants in the fuel retail industry pp. 27-41

Peter Lambrechts

Strengthening the core: What is next in banking to combat fraud? pp. 42-53

Mats Van Rijn

The role of instant payments and central bank digital currencies in transforming merchant cash management pp. 54-62

Vidit Maniyar

From theory to reality: The varied and often unintended consequences of card payment surcharging pp. 63-71

Maja Milosavljević

Agentic commerce and payments: Exploring the implications of robots paying robots pp. 72-84

David G. W. Birch and Debbie Gamble

From cash to gigabytes: The European evolution in payment technology from a merchant perspective pp. 85-93

Gert Huizinga

Volume 18, issue 4, 2024

Editorial pp. 324-326

Gerard Hartsink

The future of European payments: Faster, cheaper, more digital and more European; with no one left behind pp. 327-341

Emanuel Van Praag

Can paying become too easy? Questions regarding frictionless payments at the crossroads of public policy objectives pp. 342-356

Ellen Naudts and Jorgen Eijlander

The importance of data management for the payments industry pp. 357-365

John Bottega

The design and adoption of fast payments pp. 366-380

José Aurazo, Cecilia Franco, Jon Frost, Priscilla Koo Wilkens, Anneke Kosse, Vatsala Shreeti and Carolina Velásquez

A conceptual model for point-of-sale payment with retail central bank digital currency pp. 381-394

Lars Hupel

Introducing a framework for measuring the quantitative benefits of privacy enhancing technologies pp. 395-405

Ken Isaacson

The SEPA Payment Account Access scheme is driving ‘open banking’ in the EU beyond the revised Payments Services Directive pp. 406-417

Christophe Godefroi and Niels Pranger

Volume 18, issue 3, 2024

Editorial pp. 208-212

Gerard Hartsink

Navigating the data economy: Key considerations for decision makers in banking pp. 213-229

Mounaim Cortet, Douwe Lycklama and Pepijn Groen

Clarifying to whom, where, and when payments are made: Recommendations from the ERPB Working Group on Transparency for Retail Payment End Users pp. 230-238

Diederik Bruggink

Harmonising data standards for cross-border trade documents and cross-border payments to enable further digitisation of the financial and physical business processes of international trade pp. 239-252

Gerard Hartsink

The power of data: Transforming compliance with anti-money laundering measures in domestic and cross-border payments pp. 253-260

Alexander G. Rozman

Harnessing synthetic data to address fraud in cross-border payments pp. 261-275

Johan Bryssinck, Tom Jacobs, Filippo Simini, Ravi Doddasomayajula, Martin Koder, Francisco Curbera, Venkatram Vishwanath and Chalapathy Neti

The application of non-Latin language data in traditional cross-border payments: A discussion pp. 276-281

Yi Zhang

Why government should encourage and defer to, rather than compete with, private sector payment systems pp. 282-290

Eric Grover

The role of public-sector-led inclusive instant payment systems for growing the digital payments industry in Africa pp. 291-308

Sabine Mensah

Can cash and mobile pay co-exist? What the data tell us pp. 309-318

Kevin Foster, Claire Greene and Joanna Stavins

Everything you need to know about letters of credit — A comprehensive guide to document credit pp. 319-320

Lynn Ng

Volume 18, issue 2, 2024

Editorial pp. 112-115

Gerard Hartsink

The Indo–Russian payments corridor: Exploring and evaluating cross-border payment alternatives pp. 116-126

Neha Vivek Dharurkar, Kanchan Patil, Ameya Makarand Lonkar and Sonali Dharmadhikari

Think globally, settle locally? Multilateral platforms for cross-border payments based on distributed ledger technology pp. 127-138

David Ballaschk, Constantin Drott and Stefan Mitzlaff

Reserve-backed tokens: A money for the future? pp. 139-158

Tirupam Goel

The role of the ISO 20022 messaging standard in improving payment transactions utilising participants’ data pp. 159-166

Hari Prasad Josyula

Declined card transactions: How online merchants can address the potential €15bn revenue hole caused by declines pp. 167-178

Tom Hay and Nick Saywell

Explainability and operational resilience in the design of central bank digital currencies: A new generation of money-laundering deterrence software pp. 179-191

Israel Cedillo Lazcano

The impact of migration and digitisation on global remittance volumes and socioeconomic development pp. 192-201

Sachin Shah

Volume 18, issue 1, 2024

Editorial pp. 4-8

Gerard Hartsink

Speed at the expense of safety? Economic crime security concerns in the implementation of the G20 Roadmap for Enhancing Cross-border Payments pp. 9-19

Nick J. Maxwell

Compliance requirements in the future EU Anti-Money Laundering and Countering the Financing of Terrorism Framework pp. 20-29

Roger Kaiser

Know your customer: Unravelling the challenges pp. 30-38

Hans-Joachim Von Haenisch and Thomas Egner

Leveraging the Legal Entity Identifier to mitigate the risk of financial crime and enhance fraud prevention in cross-border payments pp. 39-50

Clare Rowley

Transaction Monitoring Netherlands: Fighting financial crime through data collaboration and advanced analytics pp. 51-60

Norbert Siegers

A pan-European fraud taxonomy: Do you speak fraud? pp. 61-72

Annick Moes and Meral Ruesing

The imperative of building and fostering a strong compliance culture in the evolving cross-border payments space pp. 73-79

Michele M. Fleming

A model of decentralised oversight for the digital asset industry with an example antimoney laundering/know-your-customer standard pp. 80-95

Ben Van Vliet

Instant payments: Providing the rails for new payment solutions pp. 96-108

Niels M. Pranger