The following "white papers" cover a range of topics on technologies, applications, trends and business ideas of relevance to the banking and payments community.

Driven by remarkable advances in technology, we are in an era of outstanding business opportunities (but also threats) for banking and payments. Activities such as on-line banking and e-commerce are now commonplace. The important new EMV chip infrastructure has now reached critical mass in most of the developed world.  And a new world of social media, mobile communications and Web 2.0 is just emerging.  The future is bright for those who correctly interpret the present.