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# Moorwand

Be part of the future of payments

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## Posts

- [Moorwand, today announced it's partnership with BnkPro.](https://moorwand.com/bnkpro/) - Moorwand, today announced it's partnership with BnkPro! BnkPro is an award-winning financial hub where Clients can manage their financial needs. With this collaboration, Moorwand and BnkPro will be able to combine their expertise and resources to develop innovative solutions that cater to the needs of businesses and individuals in the financial sector. Kevin Friedrich, CCO
- [Moorwand announces strategic partnership with Cambrist](https://moorwand.com/cambrist/) - Moorwand, today announces a partnership with Cambrist Ltd, an award-winning financial services technology company, to improve foreign exchange card requirements for card programmes, for banks and fintech payment card issuers. The partnership allows banks and fintechs to access everything needed to drive cross-border payment experiences for their customers across new and existing card programmes, while
- [Fyorin selects Moorwand for issuing and digital banking services](https://moorwand.com/fyorin/) - Moorwand has been selected by Fyorin a payments and financial operations platform, to enhance its offering. Fyorin’s new suite of business banking capabilities was first launched in Malta and it is now being rolled out in Europe. Fyorin’s partnership with Moorwand is facilitated by Mastercard’s Fintech Express programme. In today’s digital world, finance teams are
- [Vicki Gladstone steps down as CEO, board unanimously appoints CCO Luc Gueriane](https://moorwand.com/board-changes/) - Moorwand, a payments solutions provider offering BIN sponsorship and issuing services, today announced that Vicki Gladstone has decided to step down as Chief Executive Officer and that the Board of Directors has unanimously appointed Luc Gueriane as CEO, effective immediately. Vicki will remain a member of the board as Non-Executive Director. Luc has been with
- [The FCA’s Dear CEO letter: impact on e-Money & payments institutions?](https://moorwand.com/what-does-the-fcas-recent-dear-ceo-letter-mean-for-e-money-and-payments-institutions/) - Gareth Mahoney, Head of Compliance at Moorwand After uncovering a range of issues during recent visits to over 100 e-Money and payments institutions, the FCA published its latest ‘Dear CEO’ letter. The letter took a completely different approach to usual. Instead of focusing on a single area and then pushing for full compliance, the FCA
- [Moorwand joins Mastercard’s Fintech Express programme to accelerate time to market](https://moorwand.com/moorwand-joins-mastercards-fintech-express-programme-to-accelerate-time-to-market-for-card-products/) - Moorwand, which aims to transform compliance into an enabler of innovation, has joined the Mastercard Fintech Express program. In addition, Moorwand will be providing a new set of BIN sponsorship services to European fintech and payment businesses – particularly early-stage start-ups - which will make it faster and easier for them to develop and launch
- [The EU and fintech in 2022: Which major events could impact firms this year?](https://moorwand.com/the-eu-and-fintech-in-2022-which-major-events-could-impact-firms-this-year/) - So, with this much on the horizon across the 27 member states, what key developments should fintechs be paying attention to? Spain’s crypto regulation Fintech has become one of the most prosperous industries during a time of deep uncertainty. Yet discussions around access to cash, prominent scandals like that of Wirecard and scrutiny of cryptocurrencies
- [Moorwand announces its latest partnership with Payme Swiss and Bourgeois Boheme](https://moorwand.com/moorwand-announces-its-latest-partnership-with-payme-swiss-and-bourgeois-boheme/)
- [Moorwand launches suite of payments compliance services](https://moorwand.com/moorwand-launches-suite-of-payments-compliance-services/) - Moorwand, a payments solutions provider, offering BIN sponsorship and issuing services, today announced the launch of its suite of payments compliance services. The suite aims to improve the financial crime systems and controls for Moorwand clients whilst reducing the administrative burden and improving operational efficiencies. From anti-money laundering (AML) to Know Your Customer regulations financial
- [Moorwand wins Mastercard ‘Market Shaker’ Award](https://moorwand.com/moorwand-wins-mastercard-market-shaker-award/) - Dedicated BIN sponsor, issuer and acquirer wins Mastercard ‘Market Shaker’ and Emerging Payments Association awards London 4th October 2019 – Moorwand, a dedicated BIN sponsor that turns compliance into a competitive advantage, has won Mastercard ‘Market Shaker’ and Emerging Payments Association awards. The company has also been nominated for the Fintech Power 50. Moorwand is a dedicated
- [New appointment of Moorwand Ltd CEO](https://moorwand.com/new-appointment-of-moorwand-ceo-international-payments-business/)
- [Moorwand sponsors February’s EP@Home](https://moorwand.com/moorwand-celebrates-emerging-payments-association-membership-by-sponsoring-februarys-ephome/)
- [Getting More From Moorwand - Sponsoring EP@Home](https://moorwand.com/getting-more-from-moorwand-sponsoring-ephome/)
- [Moorwand assists with launch of PAYTECH Book](https://moorwand.com/moorwand-assists-with-launch-of-paytech-book/)
- [Moorwand exhibits at PayExpo 2018](https://moorwand.com/moorwand-exhibits-at-payexpo-2018/)
- [Moorwand forms UK partnership with UnionPay](https://moorwand.com/moorwand-exhibits-at-payexpo-2moorwand-forms-uk-partnership-with-unionpay018-2/)
- [Moorwand enters the charity sector with For Good Causes](https://moorwand.com/moorwand-enters-the-charity-sector-with-for-good-causes/)
- [Moorwand selects ClearBank's Banking-as-a-Service solution](https://moorwand.com/moorwand-selects-clearbanks-banking-as-a-service-solution-to-offer-real-time-payments-services/)
- [Moorwand partners with Newcastle based Kani Payments](https://moorwand.com/moorwand-partners-with-kani-payments-to-boost-reconciliation-and-reporting-capabilities/)
- [Moorwand and Rêv Collaborate to Expand SAS EuroBonus Travel Wallet](https://moorwand.com/moorwand-and-rev-collaborate-to-expand-sas-eurobonus-travel-wallet/)
- [JCB now accepted by Moorwand e-commerce and POS merchants](https://moorwand.com/jcb-now-accepted-by-moorwand-e-commerce-and-pos-merchants/)
- [Luc Gueriane joins Moorwand as Chief Commercial Officer](https://moorwand.com/luc-gueriane-joins-moorwand-as-chief-commercial-officer/)
- [Moorwand expands its Digital Banking across EEA with SEPA Transfers](https://moorwand.com/moorwand-expands-its-digital-banking-solutions-across-eea-with-sepa-transfers/)
- [Moorwand share their views at Money2020](https://moorwand.com/moorwand-shares-their-views-at-money2020/)
- [Moorwand launches new payment solution with Sunrate](https://moorwand.com/moorwand-launches-new-payment-solution-with-sunrate/)
- [Moorwand interviewed at LendIt](https://moorwand.com/moorwand-interviewed-at-lendit/)
- [Moorwand comments on 'Why Is Apple Trusted More Than Google?' in Forbes Magazine](https://moorwand.com/moorwands-quoted-in-forbes-magazine/)
- [Moorwand offers Digital Banking Solution for Telleroo](https://moorwand.com/moorwand-offers-digital-banking-solution-for-telleroo/)
- [Moorwand quoted in Raconteur fintech report](https://moorwand.com/moorwand-quoted-in-latest-raconteur-fintech-report/)
- [Moorwand discusses mixing compliance with user experience](https://moorwand.com/moorwand-shares-their-view-on-mixing-compliance-with-user-experience/)
- [Moorwand Welcomes New Board Director Vicki Gladstone](https://moorwand.com/moorwand-welcomes-new-board-director-vicki-gladstone/) - Moorwand is delighted to announce that they have expanded the Executive Board with Vicki Gladstone being appointed as a new Director as of January 2020. Vicki has been with the company since June 2018 and has been at the forefront of end-to-end implementation of Moorwand programmes as part of her role as Chief Operations Officer.
- [Moorwand CEO speaks about hotly debated central bank digital currencies](https://moorwand.com/moorwands-ceo-interviewed-about-hotly-debated-central-bank-digital-currencies/)
- [New Head of Compliance joins Moorwand’s compliance team](https://moorwand.com/new-head-of-compliance-joins-moorwands-expanding-compliance-team/) - Gareth Mahoney has been appointed by Moorwand as its new Head of Compliance in London. Moorwand is a dedicated BIN sponsor, issuer and acquirer that provides Electronic Money Services and access to Mastercard, JCB, UnionPay and VISA card schemes to payment providers. Mahoney will lead and further develop Moorwand’s compliance and risk teams and will
- [Luc Gueriane promoted to Moorwand Board following company growth](https://moorwand.com/luc-gueriane-promoted-to-moorwand-board-following-company-growth/)
- [Vaziva chooses Moorwand to digitise the French employee benefits market](https://moorwand.com/vaziva-chooses-moorwand-to-help-digitise-the-french-employee-benefits-market/) - Moorwand to support Vaziva with BIN sponsorship and settlement services for their pre-paid card solution. Moorwand, the BIN sponsor and Issuer that transforms compliance into an enabler of innovation, has today announced that is has been chosen to provide BIN sponsorship and settlement services for Vaziva, the French fintech specialising in employee benefits. At a
- [K Wearables chooses Moorwand to power its contactless payments ring](https://moorwand.com/k-wearables-chooses-moorwand-to-power-its-contactless-payments-ring/)
- [K Wearables and Moorwand partner to give away 300 K Rings to NHS staff](https://moorwand.com/moorwand-and-k-wearables-partner-to-give-away-300-free-k-rings-to-fearless-nhs-staff/) - Free contactless payment ring giveaway for NHS staff Payment providers, Moorwand and K Wearables, have today announced a giveaway of 300 K Rings for NHS staff as a show of appreciation for their hard work fighting the coronavirus pandemic. After recently migrating to Moorwand for issuing, bin sponsorship and digital banking services, K Wearables, the
- [COVID-19: will fintechs crash, survive or get bought?](https://moorwand.com/covid-19-will-fintechs-crash-survive-or-get-bought/)
- [Coronavirus & a cashless society: We can't leave the most vulnerable behind](https://moorwand.com/coronavirus-and-a-cashless-society-we-cant-leave-the-most-vulnerable-behind/)
- [Starling Bank wins Covid with a shed](https://moorwand.com/starling-bank-wins-covid-with-a-shed/)
- [Will COVID-19 be the catalyst for the UK to fully embrace digital payments?](https://moorwand.com/will-covid-19-be-the-catalyst-for-the-uk-to-fully-embrace-digital-payments/)
- [Will cashlessness prompt a rise in business banking for merchants?](https://moorwand.com/will-cashlessness-prompt-a-rise-in-business-banking-for-merchants/) - Cashless payments were on the rise way before the pandemic. However, COVID-19 has forced consumers to abandon notes and coins in favour of mobile and contactless card payments. Recently, Nationwide revealed that, in a poll of 2,000 Brits, more than a quarter have gone two or more months without using cash. In addition, the usage
- [FCA needs intense safeguarding revisal, say UK PSPs](https://moorwand.com/fca-needs-intense-safeguarding-revisal-say-uk-psps/)
- [Moorwand’s Luc Gueriane on balancing cashless and inclusion](https://moorwand.com/moorwands-luc-gueriane-on-balancing-cashless-and-inclusion/)
- [In a rush to contactless pay, cash should be protected](https://moorwand.com/in-a-rush-to-contactless-pay-cash-should-be-protected/) - As global economies continue to emerge from the COVID-19 pandemic and businesses adapt to the new normal, the acceleration of cashless transactions presents a host of questions. Luc Gueriane, Chief Commercial Officer at Moorwand spoke to Payment Expert, emphasising the key role of fintechs and the importance of financial inclusion. Payment Expert: Firstly, can you
- [How COVID is turning the UK cashless](https://moorwand.com/how-covid-is-turning-the-uk-cashless/) - The UK has slowly been moving away from using cash over the last decade. London is also the fintech capital of the world, so it’s not surprising that more and more people are exposed to and becoming comfortable with digital payments. From contactless cards to contactless payment rings, even before the global pandemic having cash
- [Open Banking is falling behind its objectives as adoption remains low](https://moorwand.com/open-banking-is-falling-behind-its-objectives-as-adoption-remains-low/)
- [The seven payments trends to pay attention to post-Coronavirus](https://moorwand.com/the-seven-payments-trends-to-pay-attention-to-post-coronavirus/) - During Covid-19, payments giants like Stripe ($36 billion) and Square ($55 billion) have watched their valuations soar to dizzying heights. Smaller payments start-ups like Checkout.com, which almost tripled its valuation to $5.5 billion in June, have experienced burgeoning growth too, riding the wave of a lockdown-induced e-commerce boom. Whilst global payment revenues are set to
- [DeVere Group taps Moorwand to issue its multi-currency card Vault](https://moorwand.com/devere-group-taps-moorwand-to-issue-its-multi-currency-card-vault/) - Moorwand, a BIN sponsor and issuer that transforms compliance into an enabler of innovation, today announced that it has been selected by deVere Group to provide issuing services and BIN Sponsorship for Vault, its multi-currency Mastercard, across 14 different European markets. deVere Vault, one of the digital banking products offered by the deVere Group, is
- [Moorwand partners with TradeCore to ignite fintech innovation across Europe](https://moorwand.com/moorwand-partners-with-tradecore-to-ignite-fintech-innovation-across-europe/) - We’ve recently partnered with fast growing fintech firm, TradeCore, to provide issuing services for its one-stop shop fintech platform, with a view to accelerating new and innovative fintech use-cases to market across Europe. Many of TradeCore’s customers need to launch innovative, digital wallet and card programmes. By partnering with Moorwand TradeCore can provide best of
- [How is open banking progressing in the UK?](https://moorwand.com/how-is-open-banking-progressing-in-the-uk/)
- [How can fintechs build more trust with users after COVID-19?](https://moorwand.com/how-can-fintechs-build-more-trust-with-users-after-covid-19/) - It’s been a trying time for fintechs and incumbents alike during the COVID-19 pandemic. Both sets of players have tried to fight off its economic reverberations, though not always successfully. This month, German challenger N26 became the first banking service in Ireland to charge negative interest rates on large savings. And there’s talk, following the
- [Why fintech firms must avoid becoming a jack of all trades and master of none](https://moorwand.com/why-fintech-firms-must-avoid-becoming-a-jack-of-all-trades-and-master-of-none/) - The fintech industry was driven by the financial crisis of 2008 with a view to changing financial services through new technologies and business models. Billions of dollars of VC money has been channelled into ‘challengers’ seeking to deliver better, more digital services, at competitive price points that gain mass consumer adoption. The pandemic and accelerated
- [Open banking has struggled to take off in the UK, but could this change?](https://moorwand.com/open-banking-has-struggled-to-take-off-in-the-uk-but-could-this-change/) - It’s been nearly three years since the Second Payment Services Directive (PSD2) came into force in the UK. Back in September, the country hit two million open banking users among the big nine high street banks, increasing from one million in January. Of the 66.65 million people living in the UK, at least 3% now
- [Stocard selects Moorwand’s issuing services for European expansion of Stocard Pay](https://moorwand.com/stocard-selects-moorwands-issuing-services-for-european-expansion-of-stocard-pay/) - Moorwand, which aims to transform compliance into an enabler of innovation, today announced that it has been selected by German fintech Stocard for issuing and BIN sponsorship services in the UK, France, Germany, Netherlands and Italy. Stocard allows consumers to manage all loyalty cards, coupons and offers from their favorite brands in one app and save money with
- [From Open Banking to contactless payments, what will shape the fintech industry in 2021?](https://moorwand.com/from-open-banking-to-contactless-payments-what-will-shape-the-fintech-industry-in-2021/) - 2021 predictions from Luc Gueriane, Chief Commercial Officer at Moorwand 2020 has been dramatic to say the least. In the fintech industry there has been a monumental shift towards digital payments. The mix of shop closures, lockdown measures and the booming ecommerce sector have made fintech products more relevant, and more important, than ever. And
- [Moorwand strengthens client offering with growth of its Account Management team](https://moorwand.com/moorwand-strengthens-client-offering-with-growth-of-its-account-management-team/) - With the continued development of the business throughout 2020, Moorwand has grown its Account Management team to provide a consistent and ongoing level of support for its programme managers once they go to market. Kevin Friedrich, has joined Moorwand as Head of Client Relations, a new position designed to ensure Moorwand’s clients have access to
- [Let's look back at 2020’s 12 days of payments](https://moorwand.com/lets-look-back-at-2020s-12-days-of-payments/) - It’s no secret that COVID-19 has disrupted payment firms’ transaction volumes this year. Particularly those who rely heavily on brick and mortar customers or international travel, as opposed to e-commerce-based merchants. When the UK lockdown began, Revolut saw a dramatic 40% dip in revenues due to its reliance on interchange fees. But eight months later,
- [Mobile wallets aren't going anywhere, and here's why...](https://moorwand.com/mobile-wallets-arent-going-anywhere-and-heres-why/) - In a pre-pandemic world, mobile wallets struggled to compete with the penetration rates of alternative - more embedded - payment methods. According to Capgemini’s World Payments Report, there were 708.5 billion non-cash transactions in 2019 globally. But just one billion of these were via mobile wallets. Whilst a staggering 81% of Chinese consumers were using
- [Luc Gueriane joins EPA Project Banking Access team](https://moorwand.com/luc-gueriane-joins-epa-project-banking-access-team/) - Moorwand is pleased to announce that Luc Gueriane, CCO, has joined a group of other industry figures to support the Emerging Payments Association Project Banking Access group. The purpose of the group is to help the payments industry support EMIs, PIs, digital banks, and merchants to open and keep open bank accounts for safeguarding funds
- [What do customers want from their banking products?](https://moorwand.com/what-do-customers-want-from-their-banking-products/) - The UK is already a crowded market when it comes to banking. And it has been for some time now. An Accenture report from 2018 found new entrants accounted for an “eye-popping” 63% of companies operating in the UK’s banking and payments industry. “It’s a pretty saturated market as things stand, with some very big
- [The History of Payments: The rise of Prepaid Cards](https://moorwand.com/the-history-of-payments-prepaid-cards/) - The industry often talks about payments as if it’s one, homogeneous group. But in actual fact, that couldn’t be further from the truth. A ‘payment’ is simply the action of paying or being paid. But the method this action chooses in order to complete itself is completely variable. Today, customers are presented with a wealth
- [Vialet selects Moorwand as Issuer and BIN Sponsor for new credit launch](https://moorwand.com/vialet-selects-moorwand-as-issuer-and-bin-sponsor-for-new-credit-launch/)
- [Dear Luc: The free ATM conundrum](https://moorwand.com/dear-luc-the-free-atm-conundrum/) - Dear Luc, I often hear about consumers over-using costly features like free ATM withdrawals. How can I put some controls around what customers are doing with my cards? Although giving a user access to ATM withdrawals is standard for a banking proposition, it doesn’t necessarily mean you want withdrawals to be one of the main
- [Moorwand CEO Vicki Gladstone selected for Top 100 Women In Fintech](https://moorwand.com/moorwand-ceo-vicki-gladstone-selected-for-top-100-women-in-fintech/)
- [Gender equality: how to make finance more inclusive](https://moorwand.com/how-to-make-finance-more-inclusive/)
- [What makes a fintech startup a success?](https://moorwand.com/what-makes-a-fintech-startup-a-success/)
- [Dear Luc: When is the best time to expand my fintech abroad?](https://moorwand.com/dear-luc-when-is-the-best-time-to-expand-my-fintech-abroad/) - Confession #2: Not ready to go global Dear Luc, My team is pushing for us to move into new markets, but I’m not sure we’re ready. When is the right time for a fintech to go beyond our domestic market (the UK)? Moving into a new market is no mean feat – especially in fintech.
- [UK Budget & Kalifa Review: A fintech breakdown](https://moorwand.com/uk-budget-kalifa-review-a-fintech-breakdown/) - These past few weeks have, for much of the UK fintech sector, been hotly anticipated. Not only have they seen the UK publish a first-of-its-kind independent, government-backed Kalifa fintech review, they’ve also welcomed Chancellor Rishi Sunak’s 2021 Budget. Whilst some may feel caught-up on their contents and implications for the wider industry, others may still
- [The end of universal banking: why success in fintech relies on specialists](https://moorwand.com/the-end-of-universal-banking-why-success-in-fintech-relies-on-specialists/) - For a long time, universal banking dominated the financial services sector—a handful of banks, enabled by a handful of monolith technology providers, offered a plethora of services to all. The lack of competition in the market resulted in a lack of innovation—an absence which continues to plague legacy banks. David Brear, CEO at 11:FS, puts
- [A History of Payments: The Evolution of Credit Cards](https://moorwand.com/a-history-of-payments-the-evolution-of-credit-cards/) - It’s easy to club different types of payments and cards together. But once you scratch the surface, it becomes clear just how varied the payments industry can be. At its bare bones, a ‘payment’ is just the action of paying or being paid. Which means how a payment is completed, and what comes with it,
- [Dear Luc: What marketing pitfalls should I avoid?](https://moorwand.com/dear-luc-what-marketing-pitfalls-should-i-avoid/) - Confession #3: Avoiding the jargon busters Dear Luc, Some fintechs are getting caught out by the regulators when using terms like “banking” or overstating a product’s benefits. What marketing pitfalls should I avoid? The lines between the different fintech and payments businesses a consumer may interact with are often blurred. Yet each has a very
- [Dear Luc: To give my customers cards I just need an issuer – right?](https://moorwand.com/dear-luc-to-give-my-customers-cards-i-just-need-an-issuer-right/) - Confession #4: Issuing Issues Dear Luc, If I need to provide my customers with cards, I just need an issuer – right? Wrong, I’m afraid. Unfortunately, launching and scaling a payment card isn’t quite that simple. The payments ecosystem can be a complex space to navigate. However, working with the right partners will help you
- [Resilience, differentiation and scalability - why you need specialists](https://moorwand.com/resilience-differentiation-and-scalability-why-you-need-specialist-partners-to-succeed/)
- [Dear Luc: I want to offer Apple Pay, how easy is mobile wallet integration?](https://moorwand.com/dear-luc-i-want-to-offer-apple-pay-how-easy-is-mobile-wallet-integration/) - Confession #5: Insert “Pay” here Dear Luc, I want to offer Apple Pay and Google Pay, but don’t know how to integrate them. How easy is it to build these into my offering? It is no surprise that there is great demand from fintechs to add mobile wallets to their programmes. In part because of
- [A History of Payments: The Growth of the Debit Card](https://moorwand.com/a-history-of-payments-the-growth-of-the-debit-card/) - ‘Payment’ might be one word, but it takes a multitude of forms. At its core, a payment is just the action of paying or being paid. But there are tonnes of ways in which this action can happen, depending on the method, as well as the parties involved. According to Chargebee, there are more than
- [Dear Luc: Should I offer multi-currency accounts to cover post-pandemic travel?](https://moorwand.com/dear-luc-should-i-offer-multi-currency-accounts-to-cover-post-pandemic-travel/) - Confession #6: Going multi-currency Dear Luc, “With the world opening up again, do I need to start offering multi-currency to my customers?” We’re still a long way from a pre-pandemic “normal” but many countries do seem to be on the road to recovery thanks to the success of vaccination programmes. As such, it makes sense
- [Dear Luc: The payments agony uncle with Fintech Futures](https://moorwand.com/dear-luc-the-payments-agony-uncle-a-new-segment-with-fintech-futures/) - Moorwand, the payments solution provider which aims to transform compliance into an enabler of innovation, has today announced the launch of a new segment with Fintech Futures. 'Dear Luc', the new payments agony uncle column, will appear online once a month and will be answering industry founders' difficult questions. From regulation readiness to technology teething
- [A History of Payments: The emergence of wearable payments](https://moorwand.com/a-history-of-payments-the-emergence-of-wearable-payments/) - When we think of payment ‘types’, our minds often jump to the ones which have been in circulation the longest - cash and cards being the main ones. But exponential leaps in technology over the last two decades have meant emerging methods are beginning to gain ground, and fast. As we’ve mentioned previously, the world
- [Dear Luc: Does my fintech firm need ex-bankers to succeed?](https://moorwand.com/dear-luc-does-my-fintech-firm-need-ex-bankers-to-succeed/) - Confession #7: Boring bankers? Dear Luc, I want to build out my executive leadership team. Should I be looking at ex-bankers, or would that be too boring? Former bankers can offer the right mix of experience to new firms Getting to a stage where you want to grow your business by adding to your executive
- [Fintech Alliance Interview: A day in the life of Luc Gueriane](https://moorwand.com/fintech-alliance-interview-a-day-in-the-life-of-luc-gueriane/) - Fintech Alliance interview with Moorwand CCO Luc Gueriane Moorwand is a payments solution provider offering issuing, digital banking and acquiring services. Founded in 2013 in London, over the past three years the business has been working with challenger banks and FinTechs, offering support in bringing digital banking experiences to life. Chief Commercial Officer Luc Gueriane
- [Moorwand CEO talks payments after the pandemic](https://moorwand.com/moorwand-ceo-talks-payments-after-the-pandemic/) - For some time, it felt like the pandemic would never end. But now, with vaccines being rolled out en masse across the UK and pubs back open in full swing, it’s finally starting to feel like a post-pandemic world is in sight. As the CEO of a scaling payments start-up, it’s my job to ask:
- [Dear Luc: Should we ditch the plastic bank card?](https://moorwand.com/dear-luc-should-we-ditch-the-plastic-bank-card/) - Confession #8: Time to ditch the plastic? Dear Luc, As mobile wallets overtake cards and we strive for a more environmentally friendly industry, is plastic still needed? Sustainability is a big topic in payments and with the increasing adoption of mobile wallets it’s understandable why people might think that digital or sustainable payment methods are
- [Post-Pandemic Sustainability Opportunities for the Finance Industry](https://moorwand.com/the-post-pandemic-sustainability-opportunities-for-the-finance-industry/) - In partnership with Ecolytiq Normalcy. A word that has eluded us this past year and has caused a sense of longing towards something familiar. With vaccine campaigns around the world ramping up, many discussions around reopening and returning to life as it was are taking place. Therein lies a problem. We can’t go back to
- [Dear Luc: Can my start-up succeed while working from home?](https://moorwand.com/dear-luc-can-my-start-up-succeed-while-working-from-home/) - Confession #9: Home working blues? Dear Luc, Could I run my year one start-up whilst working from home? Do I need a London address? If you had asked me pre-March 2020 I might have given you a different response; however, COVID really has changed everything. Having been in the industry for a long time and
- [Dear Luc: Should I prepare for a wearable payments comeback post-COVID?](https://moorwand.com/dear-luc-should-i-prepare-for-a-wearable-payments-comeback-post-covid/) - Confession #10: Are wearables coming back? Dear Luc, As social distancing will soon end, should I start to think about wearable capabilities for my service? There is no denying that announcements of national and regional lockdowns have impacted consumer behaviour with in-person shopping taking the biggest hit. Lockdowns and additional fears of Coronavirus possibly being
- [Moorwand partners with Payme Swiss to revolutionise card and wearable payments](https://moorwand.com/moorwand-partners-with-payme-swiss-to-revolutionise-card-and-wearable-payments/) - We’re providing issuing, BIN Sponsorship, and digital banking services to Payme Swiss, to help revolutionise card and wearable payments, across Europe, for predominantly affluent and high-net-worth individuals (HNWI). Payme Swiss is an experienced programme manager, offering white label and custom-made solutions to B2B clients . By partnering with Moorwand, Payme Swiss will provide digital wallet
- [Dear Luc: What’s the deal with embedded finance?](https://moorwand.com/dear-luc-whats-the-deal-with-embedded-finance/) - Confession #11: Waking up on the wrong side of embedded Dear Luc, Everyone is talking about embedded finance and payments. What should I do? Embedded finance has become one of the most discussed terms in the fintech and payments space in the year. However, despite all the recent attention, the concept has in fact been
- [Moorwand launches new report: Specialists vs. Generalists: How do fintechs fuel growth?](https://moorwand.com/moorwand-launches-new-report-specialists-vs-generalist-how-do-fintechs-fuel-growth/) - Nearly £1m in additional revenue generated by fintechs who outsource to specialists Report from Moorwand explores the impact of outsourcing to either specialist or generalist providers on fintech growth Moorwand, a payments solution provider, today launched a report that reveals fintechs who outsource to specialist partners generate nearly £1m in additional revenue. The report ‘Specialists
- [Dear Luc: Should I pick a fintech specialist or a jack-of-all-trades?](https://moorwand.com/dear-luc-should-i-pick-a-fintech-specialist-or-a-jack-of-all-trades/) - Confession #12: Master of none? Dear Luc, I’m building out a new product offering, should I pick specialist fintech partners or a jack-of-all-trades? This is a question we hear a lot. When you’re starting out in the fintech space the various ecosystems you need to plug into to get your business going – whether your
- [Dear Luc: Should I use influencers to target Gen Z?](https://moorwand.com/dear-luc-should-i-use-influencers-to-target-gen-z/) - Confession #13: Hashtag Ad Dear Luc, We’re looking to target Gen Z, how can we utilise our spend on marketing and influencers? To clarify, ‘Gen Z’ is the name given to anyone born between 1997 to 2012. This group are some of the youngest in the workplace and are now at an age where finances
- [Infographic: How do fintechs fuel growth?](https://moorwand.com/infographic-how-do-fintechs-fuel-growth/) - Report from Moorwand explores the impact of outsourcing to either specialist or generalist providers on fintech growth Moorwand's new report has revealed that fintechs who outsource to specialist partners generate nearly £1m in additional revenue. The report ‘Specialists vs. generalists: How do fintechs fuel growth?’ explores why and how fintechs outsource to third parties,
- [Issuing tops the list of services fintechs outsource](https://moorwand.com/issuing-tops-the-list-of-services-fintechs-outsource/) - Fintechs increasingly turning to third parties to boost UX, accelerate time to market, and plug gaps in existing capabilities Moorwand, a payments solution provider, today revealed that issuing tops the list of services that fintechs outsource, with mobile wallets and customer communications coming second and third respectively. With the rise of Open Banking, Banking-as-a-Service and
- [[Webinar] How do fintechs fuel growth? Moorwand partners with PIF to host webinar](https://moorwand.com/webinar-how-do-fintechs-fuel-growth-moorwand-partners-with-pif-to-host-webinar/) - Register your place The growing prevalence of fintech has been driven by competition in every sector it touches, from institutional banking to consumer wearables and everything in between. As the fintech industry matures, collaboration has become the new competition. Fintech companies big and small are increasingly outsourcing capabilities to third parties in order to accelerate
- [What can Regtech learn from the fintech eco-system?](https://moorwand.com/what-can-regtech-learn-from-the-fintech-eco-system/)
- [Money 2020 Europe: 15 talks to look forward to](https://moorwand.com/money-2020-europe-15-talks-to-look-forward-to/) - Money 2020 Europe is just around the corner, and after being cancelled last year because of COVID-19, the industry is more excited than ever to see what is in store. Although not everyone will be attending this year, payments and fintech professionals all over Europe will be waiting to hear what speakers are predicting for
- [Dear Luc: How do I get a slice of the BNPL pie?](https://moorwand.com/dear-luc-how-do-i-get-a-slice-of-the-bnpl-pie/) - Confession #14: Grabbing the BNPL opportunity Dear Luc, I want to add credit capabilities like buy now, pay later (BNPL) to my service, what do I need to consider? BNPL has seen rapid growth in the last few years, with fintech experts quoted by Forbes predicting $100 billion in sales across 2021. Not only has it fundamentally
- [Why not every company will be a fintech company](https://moorwand.com/why-not-every-company-will-be-a-fintech-company/)
- [OneFor partners with Moorwand to launch new remittance service ](https://moorwand.com/onefor-partners-with-moorwand-to-launch-new-european-wide-remittance-service/) - OneFor has selected Moorwand’s to provide issuing and digital banking services, and BPC for processing. Moorwand, a BIN sponsor and issuer that transforms compliance into an enabler of innovation, has been selected by OneFor, a digital wallet and money transfer and payments solution for the remittance market. Moorwand is providing issuing and digital banking services that
- [Dear Luc: Why are people so divided about the £100 contactless limit?](https://moorwand.com/dear-luc-why-are-people-so-divided-about-the-100-contactless-limit/) - Confession #15: Contactless concerns Dear Luc, With the contactless limit increasing to £100, why are people so divided? Contactless card payments have boomed since the onset of Covid-19 and 15 October marks yet another milestone with shoppers able to spend £100 per transaction with a tap of their card. At first, an initial increase from
- [Dear Luc: What fintech trends should I prepare to see in 2022?](https://moorwand.com/dear-luc-what-fintech-trends-should-i-prepare-to-see-in-2022/) - Dear Luc, With the new year fast approaching, what fintech trends should I prepare to see? The fintech sector, always a dynamic space, has undergone a rapid influx of developments in the last two years. First, with the pandemic, we saw a huge increase in e-commerce and a shift towards contactless payments. This year, not
- [M&As, Open Banking and the War on Talent: What will Fintech look like in 2022?](https://moorwand.com/moorwand-fintech-predictions-for-2022/) - In our 2021 fintech predictions, we said that Open Banking would finally start fulfilling its promise, that the world would go contactless and that with the travel industry on ice, fintechs would diversify away from travel as a revenue source. One year later, the number of Open Banking UK users increased from two to four
- [Fintech Connect: 10 talks to look forward to](https://moorwand.com/fintech-connect-10-talks-to-look-forward-to/) - Fintech Connect takes place Wednesday and Thursday this week, and although it is being held virtually this year because of COVID-19, the agenda is filled with insightful sessions from some of the best in the industry. To get ready for what is set to be two content-packed days, we asked our team at Moorwand to
- [Dear Luc: When is the best time to go fundraising?](https://moorwand.com/dear-luc-when-is-the-best-time-to-go-fundraising/) - Dear Luc, I’m feeling the pressure, seeing all the funding rounds lately for fintechs so early on in development. When is the best time to search for backing? I get it, it’s hard to concentrate on your own business growth when there’s articles being published almost weekly with headlines such as “UK fintech investment reaches
- [Moorwand CEO speaks to Bobsguide about 2022 payment predictions](https://moorwand.com/moorwand-ceo-speaks-to-bobsguide-about-2022-payment-predictions/)
- [Seven biggest fintech predictions for 2022 - FinExtra Exclusive](https://moorwand.com/seven-biggest-fintech-predictions-for-2022-finextra-exclusive/)
- [Fintech Predictions: What's Next for Payments in 2022?](https://moorwand.com/fintech-predictions-whats-next-for-payments-in-2022/) - Five experts from fintech companies, including Mollie, Moorwand, Branch, OpenPayd, and Tribe Payments, offer their payments-related insights for 2022

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- [The benefits of starting a card programme for your customers](https://moorwand.com/resources/guides/the-benefits-of-starting-a-card-programme-for-your-customers/) - With more and more fintech start-ups cropping up with shiny new card programmes, it’d be all too easy to assume launching one yourself would be counterproductive. But owning a card programme comes with a whole host of benefits, regardless of the competition, and it’s never been easier to launch one. Not least because the industry
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- [What is included on the front and back of your payment card?](https://moorwand.com/resources/guides/what-is-included-on-the-front-and-back-of-your-payment-card/) - Working in such a fast moving payments business means we fully appreciate the amount of work that goes into creating a card programme. However, we understand that it is very easy to forget the incredible amount of information that is packed into a single payment card. Whether you want your user to take money out
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- [What is BIN Sponsorship?](https://moorwand.com/resources/guides/what-is-bin-sponsorship/) - What is BIN Sponsorship? Let's start by looking at the two words: BIN stands for Banking Identification Number. The Banking Identification Number refers to the initial set of four - six numbers within the long card number shown on the front of a payment card. This set of numbers helps to identify the
- [Should I pick specialist fintech partners or a jack-of-all-trades?](https://moorwand.com/resources/guides/should-i-pick-specialist-fintech-partners-or-a-jack-of-all-trades/)
- [Three key payments regulations you should know about when launching your business in Europe](https://moorwand.com/resources/guides/three-key-regulations-you-should-know-about-when-launching-your-payments-business-in-europe/) - Launching a payments business in Europe requires every founder to understand their market. That means doing customer research, scoping out competitors, and - perhaps the trickiest of them all - navigating the regulatory environment. Whilst certain regulations will differ country-to-country, the EU’s 27 member states are bound by overarching European regulation. Even the UK,
- [Specialists vs. Generalists: how do fintechs fuel growth?](https://moorwand.com/specialists-vs-generalists/)
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## Tags

- [Industry trends](https://moorwand.com/topic/industry-trends/)
- [Partnerships](https://moorwand.com/topic/partnerships/)
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