Betaaljournaal 9

Newsletter Dutch Payments Association

Piet Mallekoote was both Managing Director of the Dutch Payments Association and CEO of Currence. As of 1 March, I succeeded him as Director ad interim of the Dutch Payments Association. Daniel van Delft accepted the the position of CEO at Currence. There is a lot going on in both organisations and for clarity we now operate as two distinct organisations with our own tasks and responsibilities. While our colleagues at Currence focus on the ambitious iDEAL 2.0 programme, we at the Dutch Payments Association focus on three key topics: tackling fraud, future-proof funding of the payment infrastructure and reducing the cost of cash and card fallback. We will return to these topics regularly in the next months.

In this Betaaljournaal, you can read about the growth of online purchases in 2020, standardization, tackling smishing and doorstep-banking scams and other topics. I recommend to watch the videos about fighting tech support scams and checking in and out with a debit or credit card in public transport. Colleague Robert Renskers talks about his work at de Volksbank. Enjoy!
Gijs Boudewijn, Director ad interim

 

In this edition:

 

Over a quarter more Dutch online purchases in 2020

Dutch consumers spent €26.6 billion at web shops in 2020, up 7% compared to a year earlier. The number of online purchases increased by 27% to 335 million. This growth was mainly caused by the corona crisis and related government measures. Before corona, in 2019, e-commerce growth was still levelling off. Read our full report in Dutch…

 

Cooperating against tech support scams pays off

film samenwerking tegen helpdeskfraudeIntensive public-private cooperation pays off in fighting tech support scams. Tech support scams, also known as helpdesk fraud, claimed many victims some years ago, in the Netherlands and abroad. The victim is contacted by an imposter offering technical support or receives a fake message from a helpdesk, supposedly at a well known IT company. Ads from scammers are shown at the top of online search results. The aim is always to steal money or to convince the victim to make payments. Watch the video about the successful cooperation against tech support scams (in Dutch) in which Marco Doeland, CISO Manager Risk management & Fraude prevention at the Dutch Payments Association, was interviewed.

 

Update on the public transport project – Renate de Vree

On March 10 a trial was launched in Lelystad where passengers in Arriva buses can check in and out with their debit or credit card. Traveling with a payment card in public transport sounds simple, but there were quite a few steps to take before the first traveler could travel with his debit or credit card. Renate de Vree works in the Products and Standards team of the Dutch Payments Association and tells us about the project (in Dutch).

 

Doorstep-banking scam

A scammer calls and pretends to be a bank employee. The phone number of the scammer appears to be the real number of that bank, but it is not. This is called phone number spoofing. The fake bank employee scares the victim by saying, for example, that the victim seems to have made a suspiciously large payment, that his or her computer is no longer secure, or that the victim’s debit card or login device needs to be replaced. Next the scammer says that someone from the bank must come to the victim’s home to solve the problem or to collect the debit card or login device. Don’t be fooled: a bank never asks for a PIN number, debit card or login device and never offers to come to your home. On our website veiligbankieren.nl we pay extensive attention to this latest scam. We have also conducted a campaign to warn consumers.

 

Success against smishing

Phishing affects an increasing number of people and has become a social problem in a relatively short time. It undermines the trust that people and businesses have in organizations such as banks, tax authorities and telecom providers. The immediate financial damage is considerable and now runs into millions of euros.

Good news from the telecom industry
A specific form of phishing is smishing (sms phishing). Consumers receive fake text messages that mislead them to make online payments to scammers. Many parties are involved in combating smishing as it cannot be solved by anyone on its own. In addition to bank customers, the telecom industry, tax authorities, the financial industry, the Ministry of Economic Affairs and the Dutch Authority for Consumers & Markets and, of course, the police and public prosecutors are all involved in this combat. Read the full article (in Dutch)…

 

Digital accessibility

MKB-Nederland (representing SMEs) recently organized the online event ‘Here comes the future’ to share knowledge and insights among various industry associations and expert groups such as the Alliance for Inclusion. Web accessibility is nothing new, but the international accessibility guidelines for people with disabilities are increasingly strict. The guidelines already apply by law to municipal agencies and governments and they may also become mandatory for businesses in the near future.

Presentation by Michel van Bommel
At this event, Michel van Bommel, Senior Policy Advisor at the Dutch Payments Association, explained the challenges facing our members, what members are already doing in practice for digital accessibility and how the association is raising the level of knowledge and the willingness to take action among members. Michel mentioned the Accessibility and Inclusiveness Working Group, established in 2020, and its activities.

The audience consisted of representatives from various trade organizations, including INRetail, NVOB, KNS (butchers), KHN (hospitality), Techniek Nederland (engineering), VVV Nederland (tourism) and Thuiswinkel.org(e-commerce). For more information about the Accessibility Program at MKB-Nederland, please visit www.mkbtoegankelijk.nl(in Dutch).

 

Figures

More figures? Visit factsheet.betaalvereniging.nl

Checking in with Robert Renskers

Robert Renskers is Product Manager Payments at de Volksbank. He talks about his involvement in the development of all kinds of payment products, from digital processing of paper transfers to Instant Payments (in Dutch).

 

Standardization

New technologies, including biometrics, blockchain and QR codes, require good standards for secure and efficient new applications in collective payments. The Dutch payment infrastructure is based on good collective agreements, procedures and product specifications. These are in line with (technical) standards and international agreements. Without these standards, collective payments would not be possible. We have listed the organizations that play an important role in standardization in the payment system (in Dutch).

 

Point-of-sale payments in 2020

Corona increases PIN use in 2020: for the first time, consumers in all industries paid more often with PIN than cash. In 2020, consumers in the Netherlands bought 79% of their purchases in stores and restaurants with their debit card, smartphone or wearable. This is a substantial increase compared to 2019. These substantial shifts in payment behavior mean that in 2020, for the first time in all industries, consumers paid more often with debit cards than with cash. Read the full press release (in Dutch).

 

More events and activities (in Dutch)

 

Agenda

 

Association news

 

Member Bulletins

In addition to this Betaaljournaal, the Dutch Payments Association also issues Member Bulletins. The bulletins usually appear a few times a month and relate to a specific topic. If you are a member and you do not yet receive these bulletins, you can subscribe to the mailing list via secretariaat@betaalvereniging.nl.

 

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