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Laings Introduces Exclusive Patek Philippe Section in Glasgow Boutique

Leave a Comment / Retail /

The Luxury Jeweller Celebrates a Long-standing Partnership with the Swiss Watchmaker Laings, the esteemed family-owned jeweller, has revealed a newly dedicated Patek Philippe section within its flagship store in Glasgow, Scotland reflecting the luxury and sophistication synonymous with the Swiss watch brand. Situated on the ground floor of the store, this new space epitomises the […]

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Revolut Secures UK Banking Licence

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

Revolut, a leading global fintech company with over nine million customers in the UK and 45 million worldwide, has received its UK banking licence from the Prudential Regulation Authority (PRA). This development marks a significant milestone in Revolut’s expansion into the UK banking sector. Upon receiving the licence, Revolut has entered the ‘mobilisation’ stage, also

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Paysafe and Alchemy Pay Collaborate to Enhance Payment Options for Crypto Purchases

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

A renowned global payments platform, has formed a strategic alliance with Alchemy Pay, a leading provider of fiat-crypto payment solutions. This partnership aims to broaden the spectrum of payment options available to consumers, making it easier for them to use fiat currency to purchase cryptocurrencies across 130 global markets. Initial Integration and Benefits The initial

Paysafe and Alchemy Pay Collaborate to Enhance Payment Options for Crypto Purchases Read More »

Payone vs. Adyen – Who Offers Better Value for ecommerce Visa, Mastercard, Alipay and Setup Fees?

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

In the evolving landscape of e-commerce payment solutions, small andmedium ecommerce businesses must navigate a maze of fees and pricing structures to find the most cost-effective solution for their needs. This article provides a straightforward comparison between two prominent payment service providers, Payone and Adyen, based solely on their publicly advertised website pricing. We will

Payone vs. Adyen – Who Offers Better Value for ecommerce Visa, Mastercard, Alipay and Setup Fees? Read More »

Worldline Waves Goodbye to Self-Service Vending Hassle with Tap-and-Go Tech

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

Worldline, a leading global payment services provider, has partnered with Antenor, a provider of modular payment solutions, and Selfly Store, a developer of self-service retail technology, to introduce an advanced contactless payment system for vending machines. Selfly Store’s vending machines, known as “smart fridges,” come in three models (Ambient, Fridge, and Freezer) and utilize RFID

Worldline Waves Goodbye to Self-Service Vending Hassle with Tap-and-Go Tech Read More »

Digital Remittance Market Sales Projected to Reach US$ 83.2 Billion by 2034

Leave a Comment / Fintech, General, Payments /

The global digital remittance market is set to experience substantial growth over the next decade, with its value expected to surge from US$ 23.4 billion in 2024 to an impressive US$ 83.2 billion by 2034. This represents a robust compound annual growth rate (CAGR) of 13.5%, according to a recent report from Fact.MR. The COVID-19

Digital Remittance Market Sales Projected to Reach US$ 83.2 Billion by 2034 Read More »

Navigating the Cashless Crisis – GPRS Devices to Combat CrowdStrike Global Payment Disruptions

Leave a Comment / Fintech, Payments, Retail /

Today’s global web outage has brought card payments to a standstill, affecting retailers, theatres, and visitor attractions. The disruption underscores the vulnerability of our increasingly cashless society. Retailers, in particular, faced significant challenges, with many forced to revert to cash-only transactions, leading to long queues at ATMs and disgruntled customers. To mitigate the impact of

Navigating the Cashless Crisis – GPRS Devices to Combat CrowdStrike Global Payment Disruptions Read More »

Wero – The Future of European Payments

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Wero, a cutting-edge European payment platform developed by the European Payments Initiative (EPI), is poised to revolutionize digital transactions. With a focus on speed, security, and user-friendliness, Wero aims to become the go-to choice for both consumers and businesses across Europe. What is Wero? Wero is an innovative mobile payment solution designed to simplify and

Wero – The Future of European Payments Read More »

India’s Digital Payment Surge – Soaring to $7 Trillion

Leave a Comment / Fintech, Payments, Retail /

India’s digital payment sector is gearing up for a monumental leap, with forecasts indicating a dramatic increase to $7 trillion by 2030. This predicted growth, a doubling of current figures, reflects the country’s burgeoning digital payment ecosystem across both online and offline platforms. Digital Payment Transformation: A New Norm Recent findings from Kearney and Amazon

India’s Digital Payment Surge – Soaring to $7 Trillion 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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