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Editorial

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The entire world has, for some time now, been going digital, so we've decided it was time to take a look at how digitalization is affecting the financial industry. 




Renata Devčić

Head of Marketing 


Welcome to the 10th issue of the InPayments Magazine! A nice round number for our magazine in general, but also our third digital issue! 

It is September, the time of year when people feel that they can start anew, with a clean slate. The summer heat has finally let up, we're back from our holidays and it really does feel like a new beginning. 

So let's get to it! The Feature theme for this issue is actually very apt for a digital magazine: digitalization. The entire world has, for some time now, been going digital, so we've decided it was time to take a look at how digitalization is affecting the financial industry. 

We talk about omnichannel payments and the currently very popular trend going under that simple but promising word: "frictionless". We've also dug into the current developments and have provided you with some information about the current methods of fraud detection. 

Not so long ago, waving your mobile phone (if you even had one!) at an in-store terminal to pay for what you bought was considered just a flight of fancy! And yet here we are, having problems finding stores that don't have an mPOS terminal. Wallets, we believed (and hoped!), would always be large and full of cash and cards. Well, in this issue we bring an overview of mobile wallets and the various benefits they offer. We may still carry a physical wallet but we certainly aren't fully dependent on one anymore! 

In our Industry news, it's still all about the GDPR. The regulation which has managed to cause more than its share of worries might not bring such a bleak future or affect the Open Banking initiative in adverse ways. Despite all the fear that the two might be incompatible, there seems to be a mutually beneficial solution and you can read all about it in our pages. 

Security is at the top of both customers’ and service providers' lists of priorities. Encryption is therefore a must-have and in this issue you can find out about the current state of data encryption and its security. 

Speaking of advancements and benefits, our own team has another feather in their cap. They've launched G Pay in Croatia and have the distinction of being the first "VTS Processor Aggregator to go commercially live in Europe". Find out all the juicy details in our Company news. Needless to say, we're both very excited and very proud of this achievement, and the project team's work is a true inspiration to us all. 

Developing and launching innovative solutions is not all we do: we also talk, listen and share our knowledge and experience with our clients, which is why we will be organizing a Fraud Forum event in September, with a long list of interesting speakers, including experts on AI or application UX/UI.