All articles by David Sears

David Sears

Making a difference

The world of payments has evolved rapidly since the 1990s, driven in no small part by the emergence of the payments institution as a major challenger to banks.The likes of PayPal, Netella and WorldPay came to market with innovative and flexible service offerings which reflected the changing nature of consumer needs. Banks have arguably struggled to keep pace with these younger, more nimble and flexible competitors.Within the European market place there are some key differentiators that mark the generalist bank out from the payments specialist.