Tag: payment

Trust, innovation and interoperability: key insights from AAMVA conference.

10th October 202510th October 2025by Consult HyperionLeave a comment

Phoenix, Arizona – October 2025 – Fime participated in the AAMVA Relying Party Showcase and the AAMVA International Conference, reinforcing its leadership in advancing secure, interoperable, and scalable digital identity solutions.

The Showcase gathered issuers, wallet providers, reader providers, DMVs, and technology companies under one roof to demonstrate real-world mobile driver’s license (mDL) use cases. Fime’s delegation, including Marcelo Bellini, VP Digital Identity at Consult Hyperion, Consulting by Fime, Gregory Tierno, Business Development Director, Jerrin Thomas, Service Line Manager, and Gaurav Manchanda, Product Manager, participated in both the showcase and conference sessions.

Panel: ensuring trust in digital credentials.

As part of the panel “Ensuring Trust in Digital Credentials in North America and Beyond,” moderated by Tim Roufa Portfolio Director for Identity Credentialing at AAMVA, thought leaders came together to share their perspectives on scaling digital identity. Panelists included Luis Felipe Segura, Field CTO at Incode, Christopher Goh, International Advisor at Valid8 Advisory and Marcelo Bellini.

Marcelo emphasized the role of testing and certification in building trust within the mDL ecosystem, drawing lessons from the payments industry, where testing and certification enabled global scale. He highlighted global digital identity deployments across the EU, Japan, and Australia. Marcelo also underlined the importance of a Digital Trust Service (DTS), such as the one operated by AAMVA, in supporting adoption and scalability.

Demo highlight: two taps to trust.

One of the showcase highlights was the collaboration between Consult Hyperion and Zebra Technologies presenting a live demo, which illustrated how identity verification and payments can be seamlessly managed on a single handheld Contactless Payment ready mobile device (COTS).

The demo featured:

Identity verification using a production Georgia mDL stored in Apple and Google Wallets.
Payment transactions with production Mastercard and Visa EMV contactless cards.
Public key retrieval from the AAMVA Digital Trust Service, enabling the relying party to securely trust the mDL.
A COTS contactless payment device that scans product barcodes, triggers an ID check for age restricted items (e.g., alcohol) and processes payment – all in just two taps: one for identity and one for payments.

The demonstration was praised by attendees for its simplicity, practicality, and potential to transform multiple industries, from stadiums and public transport to law enforcement, alcohol retail, and grocery stores.

“This use case really shows the power of convergence between identity and payments,”

said Greg Tierno, Business Development Director at Fime.

“Having both functions on a single, easy-to-use handheld device makes life simpler for merchants, law enforcement, and consumers alike. It’s a practical, scalable solution that lowers friction and raises trust – exactly what the ecosystem needs to accelerate adoption.”

Building ecosystem momentum.

Following the Showcase, Fime also took part in the broader AAMVA International Conference, engaging with issuers, wallet providers, reader providers, biometric solution companies, and technology vendors. The event offered an unparalleled opportunity to network, exchange insights, and accelerate collaboration towards a trusted digital credential future.

“Our successful demonstration with Zebra underscores the transformative potential of combining digital identity and payments in a single, trusted device,”

added Marcelo Bellini, VP Digital Identity at Consult Hyperion, Consulting by Fime.

Acknowledgement

Fime extends its gratitude to AAMVA and its organizers for hosting a world-class event that continues to drive meaningful dialogue, collaboration, and innovation across the digital identity ecosystem.

Work with an expert partner for a secure digital future.

mDLs are moving quickly from pilots to real deployments, and relying parties must be prepared. At Consult Hyperion, we help organizations bridge the gap between initial awareness and production-level implementation.

Our support spans the full journey: from masterclasses and tailored workshops to build understanding, through business case development to justify investment, and market and vertical analysis to identify opportunities. We assist with use case definition, technical requirements, and RFI/RFP support, helping you select the right vendors and solutions and provide implementation support. And through thought leadership collaborations, we share insights that keep you ahead of the curve.

Our goal is simple: to give you a clear strategy, a strong business case, and a trusted path to deploy mDLs with confidence.

Learn more about Digital identity: a new frontier for payment terminal vendors.

Zapp could be a window into a “third scheme”

2nd June 2015by Consult Hyperion1 Comment

Down at Cards and Payments Australia in Melbourne I sat in on some interesting discussions about the coming Aussie immediate settlement system, the New Payments Platform (NPP, their more advanced version of the UK’s Faster Payment Service, FPS) and the kind of “overlay services” that might be built on top of it.

While I was listening to this discussion, I remembered that a couple of years ago at a Smart Payment Forum in the UK, my old chum Adrian Cannon gave an update on the state of the UK FPS and said that in his opinion there would be an FPS point-of-sale service in the UK within five years. I agreed with him and referred to something I wrote back in 2007.

The mobile handset is the obvious means to implement secure, authenticated payments. I go to a shop, buy something, wave my phone over the POS, the bill shows up on my phone, I enter my PIN to pay it and my phones instructs an FPS transfer.

[From Digital Money: Changes to the card payments landscape in Europe]

Now, as Adrian predicted, there is an FPS-at-retail scheme under development in the UK and I am very interested to see how this develops because I have long thought that payments in general will be subject to a shift from pull to push. There are a great many reasons why a push-only payment solution is much better suited to the modern world, doing away with the 1970s hacks of direct debits and standing orders. With ubiquitous networks, smart devices and strong authentication we don’t need these any more.

Pingit and Zapp are both examples of “push” payment systems, ultimately controlled by the payer, in contrast to direct debits, which “pull” payments from your bank account. “It reverses the system,” says Mr Yates, “and puts the payer in control.”

[From Mobile apps boost payment security – FT.com]

The retail venture, Zapp, will launch this year (Before I get any e-mails on the topic: Consult Hyperion has provided paid professional services with the last year) and there is some pretty serious money behind it.

VocaLink – owned by the banks – has invested heavily its venture, recently putting in another £17 million on top of an initial outlay of £16 million. However, Zapp says that it is still hoping to attract outside investment as it bids to secure a total of around £100 million to bring the service to launch, with much of the money earmarked for an aggressive marketing campaign.

[From Finextra: M-commerce start-up Zapp vows to take on Visa and MasterCard]

So why is this so important? Well, as I heard several people say in the context of the Australian discussion, an immediate settlement overlay is a new and very different proposition for retail payments and rather than be used simply to emulate existing infrastructure (potentially at lower cost) it ought to be used to enable new products and services, to create transactional infrastructure that does not currently exist.

Furthermore, if a mass market mobile payments initiative takes place which does not use the traditional rails, and is instead based on the Faster Payments system, it will have considerable ramifications for the UK payments market at large.

[From Zapp Vs Pingit – the creation of the UK’s 3rd debit scheme? – Payments Cards & Mobile]

Actually, I would say the ramifications are for Europe at large, because the idea of a European “third scheme” might well make more sense as a layer on top of a pan-European immediate settlement service (perhaps an evolution of MyBank) rather than a derivative four-party Visa/MC lookalike. The idea of a super-simplified push-only instant payment service is appealing to many stakeholders (I’ll blog about this some more in the near future) and it seems to me that from the European Commission perspective this sort of service – based on what we at Consult Hyperion have been calling the “triple-A play” of authentication, apps and APIs – it could be an attractive platform for innovation.

Time and amazonisation in payments

7th October 2014by Consult HyperionLeave a comment

I had a lovely time at the Payments Forward afternoon tea discussion on “When do you build, buy or partner to innovate in payments”. But in payments, new services are more likely to “assembled” aren’t they?

Continue reading “Time and amazonisation in payments”