May 2, 2018

‘One Button Checkout’: Where does it fit in the world of online payments?

Two of the leading payment schemes recently made headlines by announcing their intent to do away with their proprietary online “checkout buttons” and instead combine their online checkout solutions into one single button.

April 9, 2018

eID proofing applications are mandatory for accurate identity verification - but can they be trusted?

Electronic Identification
March 28, 2018

Automated Border Control in airports: eGates or kiosks are increasingly used, but can they be trusted?

Electronic Identification
March 13, 2018

Secure Card Reader: PIN

February 28, 2018

PCI PIN on COTS – Digging into The Details

January 25, 2018

PCI PIN on COTS - Changing the Paradigm for PIN Acceptance

PCI has released the security requirements for their new standard - learn what it is and how it'll affect you and your business.

November 27, 2017

New release of the EMV® 3-D Secure Protocol and Core Functions Specification

What has changed within a year?

October 4, 2017

A world without PINs?

Are we driving big changes in the POS market for a future without PINs?

September 19, 2017

To switch or not to switch: The impact of eUICC on End-User Behaviours

The impact of Embedded UICC (eUICC) in the Consumer RSP domain may cause several changes throughout the industry, but how will the Consumer RSP domain’s ecosystem evolve and adapt to meet and address these changes? Will End-Users be switching eUICC profiles every day to get the best rates? How will the MNOs try to prevent this, or will they actually encourage it?

August 21, 2017

EMV in transit: What are these 'EMV Level 1, 2, 3' certifications?

When it comes to EMV in transit certifications, it is often unclear what certifications apply, which parties have which role to obtain the certifications, what the certification requirements are, how long the process takes, when a re-certification is required, and which are the typical certification pitfalls.

July 21, 2017

How to ensure Third Party SIM Applications on the eUICC are always available?

Might there already be solutions available for third party applications installed on an Embedded UICC (eUICC) profile to be always available when the profile is switched?

July 21, 2017

Cardless ATMs – The Wave of the Future?

Exploring how consumers can access their accounts at ATMs without a physical card

July 12, 2017

EMV in transit: Painkillers for the PCI predicament

EMV in transit, it is coming!

July 6, 2017

W3C Payments API and Consumer Authentication

A more consumer-friendly checkout experience

June 22, 2017

Rise of the Virtual SIM

As the telecoms industry prepares to adopt embedded SIM (eUICC) in M2M and the Consumer devices, the Virtual SIM is a new contender in this domain. It raises some key questions: how will the MNOs will deal with this new technology? What does it mean for the OEMs? How much will it compete with eUICC technologies? Will it ‘kill off’ SIM and ultimately eUICC? UL will attempt to address these and other key questions raised by this new technology.

June 19, 2017

Third Party SIM Applications: Now eUICC me - now you don’t!

Now eUICC me - now you don’t!

June 9, 2017

The big M2M to Consumer RSP migration debate!

Exploring the best option

June 6, 2017

EMV 3-D Secure 2.0 Beyond Payments

Non-Payment use cases in EMV 3D Secure 2.0.

May 31, 2017

In the world of M2M “How Many MNOs does it take to change a light bulb”?

Will IoT amplify rollout of eUICC?

May 19, 2017

Is PSD2 not for commerce?

During Money 20/20 Europe UL is delighted to be moderating 3 of the panel discussions; one of which is "PSD3 – this time we mean business".

May 12, 2017

Technolab's Willie Wortel Wedstrijd

UL helps judge the semi-finals of the Willie Wortel Wedstrijd, organized by Technolab in Leiden, the Netherlands.

Acceptance Testing
March 29, 2017

The Future of Payments at the Secure Technology Alliance

This week, the Secure Technology Alliance (erstwhile Smartcard Alliance) is organizing its annual Payments Summit in Orlando and UL is sponsoring the ‘Future of Payments’ Track on Thursday, March 30. Here, UL's Principal Advisor, Srinath Sitaraman shares his thoughts on the trends shaping up the future of payments.

March 24, 2017

EMV for Automated Fuel Dispensers: Challenges and Implementation Strategies

UL explores the challenges and implementation strategies of EMV for automated fuel dispensers

March 23, 2017

PTOs, are you ready for MaaS?

Why is Mobility as a Service (MaaS) interesting for PTOs, and are PTOs ready?

March 20, 2017

Exploring the latest innovations in electronic payment technologies at Seamless Africa 2017

Exploring the latest innovations in electronic payment technologies at Seamless Africa 2017

March 6, 2017

SHA-1 has been broken in practice, now what?

SHA-1 has been broken in practice, now what? UL provides recommendations for moving to safer hashing algorithms.

Data Security
March 1, 2017

PSD2 Regulatory Technical Standards. What has changed?

Discussing the Regulatory Technical Standards (RTS) on Strong Customer Authentication (SCA) and Common and Secure Communication (CSC), formulated by the European Banking Authority (EBA), as part of the second Payment Services Directive (PSD2).

February 16, 2017

Merchant Tokenization Strategy

Discussing the relative merits and risks of different merchant strategies used to implement tokenization.

February 13, 2017

Doing business in an old fashioned way… Talking!

Exploring conversational commerce

Electronic Identification
January 4, 2017

EMV 3-D Secure 2.0

What's new and what are the advantages?

January 2, 2017

An Introduction to Open Banking APIs

An introduction into APIs, intended to people who do not come from a software development background.

December 12, 2016

Amazon Go

How does Amazon Go work? And how does Amazon make their check-out process completely invisible and frictionless?

November 22, 2016

Exploring the Why, What and How of biometrics in transit

How can PTOs and PTAs leverage biometric implementations

November 7, 2016

Digital onboarding

Digital Onboarding is becoming more important as banks and fintech companies are more and more becoming mobile-first companies. What is the background and the impact of this trend?

November 3, 2016

IoT Security Top 20

When making an IoT device here are the ‘top 20’ things to keep in mind.

Data Security
October 26, 2016

UL Innovation Seminars 2016 | Top 20 Insights

Last month we hosted our 6th annual series of Innovation Seminars in Santa Clara, Shanghai, Singapore, Sao Paulo, and Leiden. Here are the Top 20 of most interesting insights that we took note of.

October 11, 2016

What is the Average Speed of an EMV Transaction in the US?

A deep-dive into trends in transaction speed at a variety of merchants across North America.

September 30, 2016

EMV in transit: migration in a nutshell

Three steps to EMV in transit

September 23, 2016

Analysis of the PSD2 Draft Regulatory Technical Standards. What does it mean for the market?

Answering the ten questions posed by the EBA

September 6, 2016

Host-based Card Emulation: the magstripe of mobile payments?

The impact of the Android QuadRooter attack on the security of HCE

September 1, 2016

Tokenization beyond payment

Tokenization: Is there a bigger buzzword in the payment industry nowadays?

August 31, 2016

Increasing Issuer Identification Number (IIN) to 8-digits in the Payment Industry

Exploring the challenges and impacts for increasing Issuer Identification Number (IIN) to 8-digits in the Payment Industry.

August 17, 2016

NIST to deprecate SMS for out of band authentication. What is the impact?

Exploring the impact of the NIST publication for parties using or considering the use of SMS authentication.

Electronic Identification
July 18, 2016

The Embedded SIM: only a simple form-factor change, or is there more to it?

What is the impact of the new embedded SIM?

July 13, 2016

What’s new in the eIDAS Regulation, who will it impact and how?

Authentication, trust services and eID

Electronic Identification
July 8, 2016

A rundown through UL's first Hackathon

Breaking biometrics operations, safeguarding security

Electronic Identification
July 5, 2016

Future of Authentication in Banking

How do you define a winning authentication strategy?

June 14, 2016

The EU General Data Protection Regulation: Key takeaways

Discussing the most important consequences which are new to the the EU General Data Protection Regulation.

Data Security
June 2, 2016

Blockchains in Transit?

Is there a role for blockchain technology in transit? David Bakker has the answer.

May 24, 2016

Electronic card identifier - one more step for MIF compliance

Honor all cards electronically