Laura Bedborough

Recent Posts

How to Remain PSD2 Compliant in the Modern Banking Era

Posted by Laura Bedborough on 01-Apr-2020 12:17:23

In today’s fast-changing digital payments space, how can you ensure that you stay compliant with new rules and regulations for payment data sharing and processing? Real-time payments, Open Banking, PSD2, SCA - there are a lot of factors impacting the Financial Services sector. In this blog, we look at how to remain PSD2 compliant in this modern banking era.

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Topics: PSD2

How Validate Data Manager Helps Businesses to Comply with Payment Services Regulations

Posted by Laura Bedborough on 30-Jan-2020 14:23:23

In today’s modern payments space and Open Banking era, businesses need to ensure that they remain compliant with new payment services regulations. The new Directive on payment services (PSD2) was introduced to standardise communication between banks and third-party service providers (PISPs and AISP) while harmonising and bolstering the authentication process.

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Topics: Payment Validation, Validate API, API integration, payment validation API, Compliance, Payment services regulations, PSD2, Validate Data Manager

How our Validate API Integration with Franx Enables Seamless Global Transactions for its Clients

Posted by Laura Bedborough on 22-Nov-2019 10:53:40

In a fast-evolving Financial Services industry, APIs are becoming the go-to solution for many banks and payment service providers. FinTech companies are developing APIs for various purposes, but with the overall mission of improving the speed, efficiency and accuracy of the payment experience. With Validate API, Apply Financial offers next-gen payment validation solutions which support these improvements, whilst bolstering compliance with global payment regulations.

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Topics: Validate API, API integration, payment validation API

Apply Financial’s Partnership with Currencycloud: A FinTech Collaboration Using Cloud-Based Payment Solutions

Posted by Laura Bedborough on 05-Nov-2019 09:40:29

As anyone who was at Sibos 2019 in London will testify, it is an exciting time to be in FinTech, especially as a service provider in the UK. London, in particular, has become a leading hub of FinTech innovation. FinTech collaboration is key, and we recently partnered with fellow London-based payment technology provider Currencycloud. In this blog, we discuss how our cloud-based solutions combine to help improve cross-border payments.

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Topics: Cloud-based payment solutions, FinTech collaboration

Sibos 2019: Preview of the Sibos Conference in London

Posted by Laura Bedborough on 15-Aug-2019 15:07:00

At Apply Financial, we’re really excited that Sibos is coming to the UK this year. Sibos is the world’s premier annual Financial Services conference and networking event, organised by SWIFT. For the first time, the Sibos conference will be hosted in London, in the ExCel Centre. The Apply team will be there. Here’s our preview of Sibos 2019.

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Topics: Sibos London 2019

Meet Apply Financial at ACT Annual Conference 2019

Posted by Laura Bedborough on 16-May-2019 13:43:09

Next week is the ACT Annual Conference 2019 in Manchester and the Apply Financial Team is looking forward to another action-packed event. This key topic for ACT 2019 is “Embracing Disruption - Dare to Think Differently”, and within an ever-changing digital landscape, it’s not surprising that the focus is on innovation and change.

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Topics: ACT Annual Conference

B2B Instant Payment Opportunities & Challenges

Posted by Laura Bedborough on 27-Mar-2019 19:15:47

Round Table Report – Challenges, disruption and opportunities in an instant payments world

Discussion hosted by Inbound FinTech, led by Apply Financial, Ebury Group, Form3 and Railsbank, on 28th February 2019

To the end-user, the advent of instant payments is an overdue recognition by banks and the broader payments industry of new realities and expectations in the digital economy. To payments providers, especially long-established players, the pros and cons are less clear cut. Instant payments can be viewed as both an exciting opportunity to deliver new services and a potentially terrifying existential threat.  

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Topics: Payment Processing

Why B2B Faster Payments Demands Quick Thinking from Providers

Posted by Laura Bedborough on 18-Feb-2019 12:25:34

When the digital age gives us the power to make every-day commercial and financial decisions at the touch of a screen, we expect payments to be executed in real time too.

At the retail level, great strides are being made to deliver a truly seamless real-time user experience. In the B2B payments space, the needs and challenges are slightly different, with transparency and security often regarded as important as speed. But the opportunities are no less exciting and transformational – if the industry can work together to put the necessary building blocks in place.


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Topics: Payment Processing

How To Reduce SEPA Payment Errors And Rejection Costs

Posted by Laura Bedborough on 18-May-2018 10:58:01


What does SEPA stand for?

The Single Euro Payments Area allows people and businesses throughout Europe to process and receive credit transfers, Direct Debits, and card payments just as easily as they would domestically.

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Topics: Payment Processing

How Your Business Can Process Mobile Payments Seamlessly

Posted by Laura Bedborough on 24-Apr-2018 21:01:30


80% of internet users own a smartphone, which means a large portion of online activity happens on a smaller screen. This doesn’t just mean ecommerce sites need to make sure they’re catering to mobile customers, banks are also focusing more on this particular part of their customers’ experience.

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Topics: Payment Processing, Mobile payments



We can validate BIC's for over 220 countries In addition in over 170 countries we can validate domestic and International payment details and suggest changes to help you and your customers stay up to date and compliant with the evolving world of payment legislation and rules.

Most of all we continue to add more countries to our Validate solution to present you with the de-facto standard in payment validation.

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