Thought Leadership

Expert perspectives from Rivero on the future of scheme compliance, dispute management, and how technology is reshaping issuer operations. Gain insights into the evolving world of card payments.

Payment network fees explained: Trends, changes, and what to know

Payment network fees are a core part of the card ecosystem, and as they continue to evolve in structure and scale, understanding how they work and what drives them is key to managing costs effectively. Without clear ownership and active governance, organisations risk rising costs and missed opportunities to reduce unnecessary fees.

APR 24, 2026

Revenue models: Making money in the card payment ecosystem

Every card transaction triggers a precise redistribution of value across parties in the payment network ecosystem. This article unpacks how money flows between issuers, acquirers, networks, cardholders, and merchants and what drives profitability for each.

APR 9, 2026

Wero, EPI & the UK National Payments Vision: Preparing payment operations for a multi-rail future

As initiatives like Wero, EPI, and the UK's National Payments Vision gain momentum, the payments landscape is shifting from a two-network world to a multi-rail reality. Banks that design their operations around scheme-agnostic workflows, rather than treating each new rail as a standalone project, will be best positioned to adapt faster.

MAR 12, 2026

Build vs. Buy AI for banks: 3 hidden risks of in-house LLMs projects in payments (and what to do)

Many banks think payment network compliance is the perfect place to build their first AI tool, but the risks are bigger than they look. Discover the three hidden pitfalls that derail in-house LLM projects, and what to do instead.

NOV 14, 2025

The banking complaints conundrum: Are UK banks losing the trust battle?

FCA data reveals business-critical trust issues in UK banking: 49% of complaints are payment-related, 56% upheld, and nearly half take weeks to resolve. Explore how banks can rebuild consumer confidence.

SEP 3, 2025

When a job application becomes a fraud attack

This blog explores how fake job postings are being used as a new fraud pipeline, where scammers harvest personal data under the guise of recruitment and then convert it into Authorised Push Payment (APP) fraud. We unpack how the scam unfolds, why it represents a dangerous shift in fraud tactics, and what banks, platforms, and individuals must do to stay protected.

SEP 1, 2025

What happens when your customer isn't human anymore?

AI-powered agents are transforming shopping from a human decision-making process into a machine-driven transaction flow. Traditional marketing, checkout, and fraud models weren't built for this. This article explores how agentic commerce is changing the rules for merchants, issuers, and PSPs and what leaders can do now to stay in the flow.

AUG 19, 2025

Mastercard dispute tools explained: Ethoca, Mastercom & more

Explore how Ethoca, Consumer Clarity, and Mastercom empower issuing banks to reduce chargebacks, automate disputes, and enhance customer experience.

JUL 18, 2025

An interview with Srii Srinivasan, former CEO of Chargeback Gurus

For decades, financial institutions have viewed customer disputes and chargebacks as inevitable or a cost of doing business. Opinions have changed in recent years, however, as advanced technology solutions can help banks and enterprises reduce caseloads, resolve disputes, and improve the customer experience.

JUL 9, 2025

1 2 3 Next