Digital

Ever Wondered? What’s Really Happening When You Tap Your Card at the Store?

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Every time you tap your card or insert it into the terminal, you’re embarking on a fascinating journey through the digital realm. The seemingly mundane act unfolds a series of intricate processes, involving technology, security measures, and a dash of magic. Let’s take a vivid journey through what happens behind the scenes when your card […]

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Is This More Than Just a Gift? Ethical Uncertainty in Business Holiday Season

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A Festive Dilemma in the Corporate World The holiday season, with its spirit of giving, often extends into the workplace. But in the corporate world, this tradition of exchanging gifts can lead to a complex situation. Imagine you’re a corporate account manager or an IT manager, and a client or a team member sends you

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Benjamin Zephaniah: A Trailblazing Voice for Black Britain and Beyond Passes Away at 65

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The extraordinary life and legacy of Benjamin Zephaniah, a revered British poet, musician, actor, and activist, left a profound impact on Black Britain and beyond. Born in Birmingham in 1958, Zephaniah’s journey from a dyslexic, school-leaving teenager to a globally acclaimed poet and performer is nothing short of remarkable. Zephaniah’s early life in Birmingham, which

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The Psychology of Payment: How Consumers Choose Between Cash and Card

Digital /

In a world where digital payment methods are rapidly gaining ground, a study from the University of Notre Dame sheds light on the enduring popularity of traditional payment methods like cash and cards. This research offers a fascinating glimpse into consumer psychology and the strategic decisions behind payment choices. Cash vs. Card: A Global Perspective

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Navigating Card Fees in Retail: A Guide to Interchange Fees and Maximising Savings

Digital /

The Evolving Landscape of AML In the dynamic world of finance, Anti-Money Laundering (AML) stands as a critical frontier in the battle against economic crimes like terrorism financing and drug trafficking. The integration of Artificial Intelligence (AI) into AML strategies marks a pivotal shift, offering transformative solutions to age-old challenges.

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STRIKING THE BALANCE IN CARD PAYMENTS

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Account Managers, Key Account Managers, Hunters, Farmers, and Sales executives are the breadwinners of any organisation.  These so-called “hunters” or “goal scorers” are skilled at converting chances for their team against the backdrop of the “refereeing” or compliance rules.  Whether it is a relentless door knocker of small and medium-sized businesses or a strategic high-profile seller to global Key Accounts, the organisational rules on onboarding are essentially the same.

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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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