Thoughts & News

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The success of a consultancy, regardless of which market they operate in, depends on the quality of its people. And high-quality people thrive where they feel respected, valued, and trusted. The Great Place To Work certification is built on those pillars; and because the award is granted only when a team rates its company accordingly, it serves as strong evidence of having a high-quality workforce.

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Payment disputes remain one of the most complex and costly challenges in payment networks today. At Explicit Selection, we help our clients cut through these complexities and build unified, efficient dispute operations.

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For any payment network, Dynamic Currency Conversion (DCC) is a complex feature. It touches authorization, settlement, disputes, compliance, user experience, and operational processes. Our client was implementing DCC in their region and needed end-to-end guidance across all of these areas. We conducted a three-dimensional benchmarking review covering: • use cases • policy requirements • technical specifications and solution architecture As a result, they received clear, actionable guidance to align their solution with market standards.

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Without centralized MCC guidance, the payment network faced operational inconsistencies across their ecosystem. Lack of unified MCC guidance caused friction, inefficiency, and compliance risk across partners and internal teams. The industry needed a definitive reference point.

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A global payment network was struggling to manage and evolve its operating regulations, and needed the help from our consultants.

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Explicit Selection recognized as one of the fast growing companies of The Netherlands by Dutch financial newspaper

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We are very happy to share that we have again been nominated by the Dutch financial paper 'Financieel Dagblad' to receive the Gazalle 2025 award.

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Tap on Phone turns an NFC-enabled smartphone or tablet into a certified payment terminal. This allows merchants to take in-person payments directly on their device.

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They are different acronyms for the security code (or more widely used: 𝐜𝐚𝐫𝐝 𝐯𝐞𝐫𝐢𝐟𝐢𝐜𝐚𝐭𝐢𝐨𝐧 𝐜𝐨𝐝𝐞) connected to credit or debit card delivering the same security functionality for the different payment card brands.

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With CoF, future transactions can be processed without you having to re-enter your card details

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We're excited to join industry leaders for the US Payments Forum Fall Member Meeting on the 12th and 13th of November in Minneapolis,

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Digital wallets are the default way many consumers pay. The fight for banks to keep customers now happens on their phones, not in bank branches, because third-party digital wallets and apps (Apple Pay for example) offer a simpler daily experience that most users prefer.

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Disputes in payments are a complex landscape managed by a lot of guidelines, policies and processes. Rules controlling disputes can be divided into several types:

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HDN is the Dutch industry standard and central platform for the secure, digital exchange of all information related to mortgages.

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Single Credential Access enables users to customize their payment preferences, choosing between debit, credit and installment payments based on the type of purchase. It provides a simple approach to managing financial transactions.

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3-DSecure (3DS) is a global messaging protocol developed by EMVCo and enablesissuers to authenticate cardholders during online (CNP) transactions. Ithelps to prevent fraud and ensures regulatory compliance (e.g., PSD2 SCA) whilepreserving a frictionless user experience.

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Looking at payment network products/capabilities: VisaPay‍‍. Visa Pay is designed to allow consumers to use their local digital wallets and account-to-account (A2A) payment apps to make NFC payments at Visa-accepting merchants around the world. The solution leverages the network provided Host Card Emulation (HCE) SDK.

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Tap to Everything is used bycardholders to perform a range of convenient actions using their card and their mobile phone.

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Agentic commerce enables AI agents to autonomously shop on behalf of cardholders by connecting/leveraging a payment network’s infrastructure and services.

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An interesting whitepaper on the future of EV fleet payments, with contributions from Explicit Selection.

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An MIT is initiated by the merchant without the cardholder actively participating at the time of authorization.

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Taking a closer look at pre-authorization, one of many payment network capabilities. How does this work, what use does it have and why is it important?

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Payment networks have many products and capabilities to manage. Here we are taking a look at the Account Updater and how this is offered by various networks.

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The worlds of digital identity and payments are converging faster than ever. The European Commission has officially requested EMVCo to integrate the European Digital Identity Wallet (EUDIW) into the EMV® 3-D Secure (3DS) framework.

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We recently supported a client in implementing a more effective ALP program. But what exactly is ALP?

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A Merchant Category Code (MCC) is a four-digit number used by payment networks to classify businesses based on the type of goods or services they provide.

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Money20/20 will offer us a great opportunity to network with payment industry stakeholders and learn about the latest payment topics that are keeping the industry busy.

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Something looks a bit odd on this receipt. And sparked a little discussion in our office the other day. Specifically the mention of the Z3 code.

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Although technology has drastically changed, we still rely on passwords in the same way we did in the very beginning of computing. Can you recognize yourself in what this comedian is saying?

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The use of tokenization is the common denominator in payments made by AI agents. What does this mean for the payments industry? How should we use tokenization in the context of AI generated payments?

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Thinking about moving your bank's infrastructure from data centers to the cloud? It might sound like a great idea. But make sure to look at the whole picture.

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The Fintech world was buzzing with news last week. Global Payments paying billions to aquire Worldpay, Adyen down by a DDOS attack and Circle announced to offer faster international transactions via its USDC stablecoin.

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What's more important for players in the payments industry, payment processing volume or access to customer data? And do you really have to choose?

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Digital onboarding for mortgage providers and regulated industries is enhancing efficiency and customer experience.

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The world of payments is all about volume. This volume historically has largely been processed by the established payment networks. In Europe, the arrival of Wero might affect the current revenue streams and market positioning of the big networks.

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We are happy to share that we received our fourth award in a row by Dutch Financial newspaper in the category 'fastest growing company'.

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Did you know that impersonation scams, advance fee scams and romance/friendship scams were reported as the top rising scams during Q1 2025, collectively accounting for nearly £3.5 million stolen from customers.

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Is 'digital DNA' really going to become the new currency? We're seeing our digital identity used a lot these days, everything from opening accounts smoothly and using biometrics to log in, to proving our age and authorizing payments.

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In the ever-evolving payments landscape, fraud prevention is critical. Protecting data, maintaining trust, ensuring business continuity, and meeting regulatory requirements demands continuous investment and expertise.

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From seamless account opening and secure token provisioning to robust payment authentication and age verification for restricted purchases, the need to bridge identity and payment functionalities is becoming undeniable.

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Click to Pay is a solution developed by major payment networks that allows customers to securely store their payment information and check out with a single "click".

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The European payments landscape is seeing a rise in Account-to-Account (A2A) payment systems, with initiatives like Wero aiming to unify this space.

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The ongoing debate about decentralized currencies had to be answered with a centralized options from the Central Bank at some point. And here they are, the Central Bank Digital Currencies (CBDCs). How are they reshaping the financial landscape?

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The EU Digital Identity Wallet is a digital tool that allows European citizens to securely store and share their identity data, including personal information, credentials, and payment details. It enables seamless access to online services, both public and private, across the European Union.

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Banking as a Service (BaaS) can offer a wide range of opportunities for traditional financial institutions. And they should gain a clear view of how BaaS could benefit or affect their payment strategy. Especially since neobanks, fintechs, and regulators are already paying close attention.

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The EV charging industry is rapidly evolving, and payment networks need to keep pace. We recently assisted a regional network by analyzing their capabilities, identifying policy gaps, and providing actionable recommendations.

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The lines are blurring and digital banking is rapidly becoming the only way we do our banking business. We've moved beyond apps and websites; now, it's about embedded finance, instant approvals, and 'invisible' transactions—think loans offered at the point of purchase, or seamless payments within social media platforms.

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We'd like to reflect on last week's STA (Secure Technology Alliance) Identity and Payment Summit, held in San Diego, where we hosted a panel session about convergence of digital identities and payments. The event proved to be a pivotal event for professionals in the identity, access, and payments sectors. Here are some of the key takeaways

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Online merchants integrate 3D Secure into their checkout processes to add an additional layer of security to card transactions. The benefit of 3D Secure is significant: if an authenticated transaction turns out to be fraudulent, liability shifts from the merchant to the card issuer.

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We are moderating a panel at STA Summit in San Diego about payments and digital identity, lessons learnt from abroad.

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Our team guided a card issuer through 3-D Secure (3DS) implementation, offering training, integration support, and maintenance, ensuring secure and compliant online transactions.

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The EU’s Instant Payments Regulation mandates 24/7 instant payments, requiring banks and PSPs to upgrade systems by 2025 to stay compliant and competitive.

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Check out our latest mini-guide, explaining the Delegated Authentication registration flow and the interactions between the key participants!

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One of the use cases for the new EU Digital Wallet (EUDIW) is (strong) customer authentication in payment transactions.

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This prestigious recognition is awarded to businesses that have demonstrated exceptional success beyond their home borders.

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We're honored to present our case study, showcasing the collaboration between Allianz Benelux, a global leader in financial services, and Explicit Selection.

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Did you know that nearly 65% of consumers are eager to use card-linked offers for everyday essentials like groceries and commuting?

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The 2025 Identity & Payments Summit in Tucson, AZ is happening soon.

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Our guide explains the use of MCC 5552 for EV Charging services and the nuances of transaction processing.

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We are starting the new year with this little guide: Payment Methods in EV Charging.

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Take on our Delegated Authentication basics Q&A! It's the perfect opportunity to challenge and enlighten yourself.

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Recently we supported Knab with being the first bank on the Dutch market to launch the new Debit Mastercard.

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We are proud to be one of the fastest growing companies in the category.

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Despite various SoftPOS terminology, payment solution providers seem to settle on a typical SoftPOS architecture, which in turn leads to a clear identification of tasks, roles and responsibilities among the ecosystem players.

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Want to know how to prepare your payment infrastructure for EV charging? Reach out, we are happy to discuss!

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Our newest SoftPOS vocabulary infographic is here to be your guide, linking the terminology to the rightful owner.

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We are thrilled to announce that we have achieved a remarkable milestone and have officially been recognized as an FD Gazelle 2023.

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Many believe that AI is a game-changer in the ongoing fight against fraud.