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EE to Launch New Experience Store in Westfield Stratford City with Michael Dapaah

Leave a Comment / Retail /

EE is preparing to open its second Experience store in London at Westfield Stratford City, continuing its mission to support the local community with the latest in connected technology. This new store, set to open at 11am on July 17th, follows the launch of EE’s flagship Studio in Westfield London last June and is part […]

EE to Launch New Experience Store in Westfield Stratford City with Michael Dapaah Read More »

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Open Banking’s Global Surge – Lessons from Early Adopters

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Open banking has transformed the financial sector by enabling customers to share their transaction data with various financial service providers, including both traditional banks and new fintech entrants. This shift fosters competition, drives innovation, and promotes financial inclusion. However, open banking also brings concerns about privacy, especially for consumers who are cautious about sharing their

Open Banking’s Global Surge – Lessons from Early Adopters Read More »

Mastercard Partners with Kalabash54 to Launch Travel Card in Nigeria and Ghana

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Mastercard and Kalabash54, the fintech arm of Wakanow Group, a prominent West African online travel company, have partnered to introduce a cutting-edge travel card for customers in Nigeria and Ghana. This collaboration is designed to deliver a secure and convenient digital payment solution tailored to meet the unique needs of travelers in the region. The

Mastercard Partners with Kalabash54 to Launch Travel Card in Nigeria and Ghana Read More »

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170 Payone Employees Laid Off While Worldline Subsidiary Pursues Costly Litigation Against Whistleblower

Leave a Comment / Fintech, Payments /

Frankfurt-based payment service provider Payone GmbH, a subsidiary of French multinational Worldline SA, recently announced an 11% reduction of its workforce, resulting in the loss of nearly 170 jobs. According to an article at the renowned payments expert Finanz Szene, released on 14 July 2024, this agreed measure, surpasses the 8% cut at its parent

170 Payone Employees Laid Off While Worldline Subsidiary Pursues Costly Litigation Against Whistleblower Read More »

Cash Rules Everything Around Me? Re-evaluating Payment Reliability in the Wake of Worldline’s System Failure

Leave a Comment / Fintech, Payments, Retail /

The recent Worldline outage that paralysed card payments at major UK supermarkets like Sainsbury’s and Asda has exposed a critical vulnerability in our increasingly digital payment landscape. While the convenience of mobile payments like Apple Pay and Google Pay is undeniable, their susceptibility to technical glitches and network failures raises important questions about the future

Cash Rules Everything Around Me? Re-evaluating Payment Reliability in the Wake of Worldline’s System Failure Read More »

Worldline Payment Failure Leaves Sainsbury and Asda Stores Cash-Only

Leave a Comment / Payments, Retail /

A nationwide card payment outage on Thursday morning, attributed to a service disruption at Worldline, left shoppers across the UK frustrated and unable to pay for their groceries. The outage, which lasted for approximately an hour, impacted major supermarkets like Sainsbury’s and Asda, forcing some stores to temporarily accept only cash payments. The incident may

Worldline Payment Failure Leaves Sainsbury and Asda Stores Cash-Only Read More »

Unzer Makes Shopping a Breeze with Twint Integration

Leave a Comment / Fintech, Payments, Retail /

Unzer, a prominent player in the payments industry, is expanding its offerings in Switzerland by incorporating Twint, the widely used mobile payment system. This integration enables retailers to seamlessly incorporate Twint into their online checkout processes, providing Swiss consumers with a preferred payment method. Twint is known for its secure payment capabilities both online and

Unzer Makes Shopping a Breeze with Twint Integration Read More »

UnionPay International Expands Global Reach with Summer Promotion Campaign

Leave a Comment / Digital, Fintech, General, Payments, Retail /

UnionPay International, a leading global payment provider, is bolstering its international presence with an extensive summer campaign designed to attract Chinese travelers venturing abroad. The campaign, spanning 25 countries and regions, offers cardholders a wide array of benefits, including discounts of up to 33% at participating merchants, favorable exchange rates, and cashback rewards of up

UnionPay International Expands Global Reach with Summer Promotion Campaign Read More »

Gossip In The Workplace, Mental Health And TK MAXX

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Gossip, of course in any form, doesn’t serve any true purpose. Sure, tabloids have built a career on it but if you listen to any celebrity interview and they’ll quickly confirm that their least favorite thing to do is Google themselves. Why? Because even though you and those around you may know the truth, realising that not everyone else around you does is a hard pill to swallow.

Gossip In The Workplace, Mental Health And TK MAXX Read More »

Biometric Payment Cards Set to Transform Brazil’s Retail Payments Landscape

Leave a Comment / Digital, Fintech, Payments, Retail /

The partnership between Fingerprint Cards (FPC) and Valid represents a significant development in Brazil’s payment sector. Their collaboration to introduce biometric payment cards aims to redefine the security, convenience, and hygiene of contactless transactions, establishing a new benchmark for the industry. The integration of Fingerprint Cards’ second-generation T-Shape (T2) sensor module and sophisticated software platform

Biometric Payment Cards Set to Transform Brazil’s Retail Payments Landscape Read More »

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Post-Brexit: data protection
Card processor sends sensitive data to wrong address
24 August 2022

Worldline SA subsidiary Payone GmbH has been accused of breaching data protection rules after it sent sensitive employee payroll information to the wrong address by accident. The Worldline Group holdS a 60% stake in the Frankfurt based company who have a small UK market presence.

In June 2021, one of Payone GmbH’s ex UK employees (the data subject) received a “potential data breach notification” from the firm advising him that his salary, National Insurance data, nationality (Special Category Data) was amongst various bits of information sent to an incorrect home address.

This included personal information such as the former employees name, age and address.  It also included details such as the date of birth and the amount of annual work bonus he received in his bank account amongst other identifiable data.

Payone GmbH confirmed that this document was sent out in error following an employee making a mistake when re-entering data processed by their third-party payroll provider.  The error arose when the employee was fulfilling an Article 15 GDPR request. The error was spotted by the data subject when he noticed in an email version of the document that the postal address was incorrect. An attempt to notify Payone GmbH of the error went in vain as the document was already irretrievably despatched.

The data subject was alarmed with the incident which exposed him to the possibility of fraudulent activity, amidst reasonable fears his data could end up on the dark web and used by criminals.  Habitually resident in the UK he complained to the Information Commissioner’s Office (ICO) in June 2021. He similarly raised the concern in Germany via The Hessian Commissioner for Data Protection and Freedom of Information (HBDI).

The ICO reprimanded Payone GmbH for the error in their final decision letter.
Similarly, the HBDI cited a violation of Article 5(f) of the General Data Protection Regulation (GDPR) relating to integrity and confidentiality.

The ICO stated in their July 2021 findings that Payone GmbH, “should take steps to ensure that all personal data records are accurate and up to date. Holding inaccurate information, such as addresses, does increase the risk of personal data breaches and poses risks to the security of information”.

The HBDI confirmed in their October 2021 findings that Payone GmbH had taken remedial action. They concluded that a monetary fine would not be imposed on Payone GmbH as they had taken technical and organisational steps in response to the data breach. Data subjects could now request their data in an autonomous portal.

The GDPR, which came into effect in 2018, gave the Information Commissioner’s Office greater powers to tackle data breaches. The new ‘UK GDPR’ charts its own course after Brexit whilst seeking to maintain EU GDPR adequacy.  In extreme scenarios, organisations face penalties of up to £20m or 4 per cent of their global worldwide turnover, whichever is more.

In the years prior to GDPR, the ICO fines were capped at £500,000.

The data subject said: “I am just glad I spotted it; they were going to resend the document again to another wrong address. Prior to Brexit the process would have been commenced via the ICO who in turn would liaise with the HBDI on the data subjects’ behalf; but I found myself communicating with both authorities separately which was an additional step but in the end was surprisingly
effective. Unfortunately, Payone GmbH again sent my incorrect address to the
Workers Pension Trust in January 2022, and documents yet again went to the wrong address. In my opinion they have not learned from the first time and my complaint is sitting with the ICO yet again”.

The former employee is pursuing a remedy under Article 82 UK GDPR via
the Court’s of England & Wales.

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