Central Bank Digital Currencies in Europe

Consult Hyperion and Norfico were commissioned by EACHA – The European Automated Clearing House Association to produce this in-depth whitepaper on Central Bank Digital Currencies.
The whitepaper is based on research, insights from EACHA’s members and from hands-on experience from ongoing CBDC projects.

The Paypers Financial Crime and Fraud Report 2022

The Financial Crime and Fraud Report 2022 showcases the innovation and development of the best practices and instruments used by financial institutions in their fraud prevention activities, to improve the digital onboarding process of their customers while fighting against financial crime.

Mobile Voting enabled by technology

This paper explores how technological developments will enable more secure remote electronic voting systems, and specifically mobile voting systems to be built.

The European Payments Landscape in 2030

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Implants, embedded ethics and a ‘post-payments’ world – can technology help create a more equitable future for all?

Payments are hard


Payments platforms sit at the core of a financial institution’s business; a financial institution’s ability to compete by offering new products and services is determined by the flexibility and extensibility of its payments platform.

Technical Due Diligence – Evaluating People, Processes and Technology

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Consult Hyperion has long been advising some of the world’s largest and most prestigious payment
and digital identity companies on technical capabilities and innovation.

Compass Plus – Future Ready Payments Platforms

Payments platforms sit at the core of a financial institution’s business; a financial institution’s ability to compete by offering new products and services is determined by the flexibility and extensibility of its payments platform.

DIACC Making Sense of Identity Networks

This DIACC white paper is based on research performed by DIACC member Consult Hyperion and developed in consultation with DIACC through a community review process, provides an objective and impartial comparison of identity networks. Considering the different types of identity networks that currently exist or are being developed, and using ‘Mary’ as an example, the paper presents a high-level framework with which to understand and assess them, offering guidance to those who are considering participating in such a network.

RCS and Payments

Whitepaper from GSMA, discussing RCS as a payments channel and its potential under PSD2 Strong Customer Authentication.

Digital Identity, 3DID: A model for Digital Identity

Digital identity is an area of strategic importance to many organisations. More people than ever are connected through multiple devices to the Internet. Higher value services, such as banking and healthcare, are being delivered digitally.

Digital Commerce: Understanding the need for security and convenience in online payments

Digital commerce has seen significant growth over the last decade and continues to expand as more businesses create opportunities to interact with their customers in a digital channel.

MaaS Payments: A Billion Dollar Opportunity

Across the globe, populations are migrating to cities, resulting in congestion and increased pollution. Overall we are travelling a lot less than we did 10 or 20 years ago, but the travel we are undertaking is mostly within cities.

Open Banking lessons from PSD2: From Compliance to Innovation

PSD2 has been dogged by delays for multiple reasons but the original rationale – to improve competition and innovation – remains tantalisingly out of reach. To move beyond the first stage – compliance – to the second stage – innovation – we need to learn the lessons of existing payment schemes to determine what works and what doesn’t.

Unleashing the Potential of Open Banking: An analysis of opportunities for payments in open banking and strategies for realising them

The Emerging Payments Association passionately believes that open banking will be a force for good and a driver of innovation, value and positive change in the payments industry.

The EPA’s Guidebook to Digital Identification and Authentication: A guidebook to help keep you and your customers safe in the digital world

Identification and Authentication are important processes that help to keep you and your customers safe in the digital world. They enable you to be confident that you know who your customer is, ensuring that they are entitled to access your service and can continue to do so securely and confidently.

Structured Risk Analysis (SRA) whitepaper

Structured Risk Analysis (SRA) whitepaper

Decisions concerning the security of information are frequently taken on a different basis to other business decisions. Necessary investments may not take place on the grounds that the returns are not easily quantifiable, when compared with other investments, or in the blithe hope that “it will never happen to us”. Conversely, “fear, uncertainty and doubt” can lead organisations to divert funds towards information security that might be better spent elsewhere. This paper presents Structured Risk Analysis (SRA), a method to help organisations take rational steps to improve their information security.

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