Card Issuers don’t refer for the fun of it

Both of the international card schemes Visa and MasterCard, include in their impressive array of member fee tariffs an assessment fee for Issuers that breach a percentage threshold of authorisation referral responses to authorisation requests received.  The percentage is 0.5% but that is incidental. Both

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Do Legacy Systems not allow for the ‘Intelligence’ of ATMs?

As part of the recent migration programme I was on, a significant part of that programme was to migrate and upgrade the ATM estate for a UK Banking group.  The ATM estate had to be upgraded due to its age, outdated communications, and the need

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